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Wintrust Private Trust Company, National Association

Lake Forest, IL · Cert 35063

FDIC

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

99

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

No peer data yet

Efficiency

28

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wintrust Private Trust Company, National Association

Lake Forest, IL · Cert 35063

FDIC

Q2 2026

$139.1MAssets
$0KLoans
$0KDeposits
$136.9MEquity

Executive Summary

  • Earnings: ROA of 4.76%, up 74 bps year over year; NIM at 1.24%.
  • Capital: tier 1 leverage ratio of 99.44%, down 20 bps from a year ago.

Return on Assets (YTD, annualized)

4.76%+74 bps YoY

Net Interest Margin (YTD, annualized)

1.24%0 bps YoY

Efficiency Ratio (YTD, annualized)

70.94%-366 bps YoY

Tier 1 Leverage Ratio

99.44%-20 bps YoY

NIM

1.02%Q2 ’241.22%Q2 ’251.22%Q2 ’26+19%0%

Non-interest income vs. expense

13.08%Q2 ’2415.68%Q2 ’2515.37%Q2 ’26-38%-23%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.87%3.00%3.83%4.02%4.34%4.58%4.40%4.76%+74 bps
Return on Equity2.90%3.03%3.88%4.07%4.40%4.65%4.46%4.83%+76 bps
Net Interest Margin1.08%1.09%1.21%1.24%1.24%1.23%1.24%1.24%0 bps
Efficiency Ratio77.01%76.80%75.68%74.60%72.56%71.38%72.58%70.94%-366 bps
Non-Interest Burden-2.72%-2.87%-3.86%-4.12%-4.51%-4.79%-4.55%-5.08%-96 bps
Growth
Asset Growth (YoY)4.09%3.88%4.05%4.21%4.59%5.37%5.36%5.75%+153 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio99.18%99.29%99.59%99.65%99.09%99.03%99.19%99.44%-20 bps
Total Risk-Based Capital481%477%491%485%469%468%465%460%-2,479 bps
Equity / Assets98.32%98.60%98.87%98.61%98.31%98.38%98.78%98.39%-22 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets11.77%14.75%14.17%15.24%20.44%22.72%23.85%26.38%+1,114 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Wintrust Private Trust Company, National Association

Lake Forest, IL · Cert 35063 · Peer group: banks under $1B in assets in IL (n=151)

FDIC

Q2 2026

$139.1MAssets
$0KLoans
$0KDeposits
$136.9MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks under $1B in assets in IL (rank 2 of 151).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in IL (rank 151 of 151).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

4.69%

Rank 2 of 151

Net Interest Margin

1.24%

Rank 151 of 151

Efficiency Ratio

70.94%

Rank 109 of 151

Equity / Assets

98.39%

Rank 1 of 151

Non-interest income vs. expense

$28.1M$21.2MINCOMEEXPENSE
Favorable gap of $7.0M · efficiency ratio beats 28% of banks under $1B in assets in IL
Bank 70.94%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets4.69%0.70%1.03%1.34%Beats 99%2 / 151
Return on Equity4.77%6.74%9.34%12.94%Beats 15%128 / 151
Net Interest Margin1.24%3.02%3.43%3.83%Beats 0%151 / 151
Efficiency Ratio70.94%54.64%64.89%72.50%Beats 28%109 / 151
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio460%11.83%14.17%18.66%Beats 99%2 / 151
Total Risk-Based Capital Ratio460%12.22%14.54%19.92%Beats 99%2 / 151
Equity / Assets98.39%9.10%10.65%12.40%Beats 99%1 / 151
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%45.91%61.31%68.01%0th pctl150 / 151
Brokered Deposits / Depositsn/aNot reported for this institution