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Northbrook Bank & Trust Company, National Association

Northbrook, IL · Cert 57082 · Wintrust Financial Corp.

National charter · OCC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

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 $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

30

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

100

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

Northbrook Bank & Trust Company, National Association

Northbrook, IL · Cert 57082 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 7 branches (213 in holding)

Q2 2026

$6.4BAssets
$4.5BLoans
$5.4BDeposits
$531.5MEquity
Loan mix
36%RE $1.5B53%C&I $2.1B11%Consumer $0.4BQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $4.0B26%Noninterest $1.4BQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.8% share · #19 of 147 inst. · $5.4B of $630.7B

1.1% Cook
1.4% Lake

Executive Summary

  • Earnings: ROA of 1.42%, down 1 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.27% of loans (+3 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 9.38%, down 14 bps from a year ago.
  • Funding: loans stand at 83.23% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.42%-1 bps YoY

Net Interest Margin (YTD, annualized)

2.82%+4 bps YoY

Efficiency Ratio (YTD, annualized)

29.17%-434 bps YoY

Tier 1 Leverage Ratio

9.38%-14 bps YoY

NIM

5.44%Q2 ’245.32%Q2 ’255.05%Q2 ’26+2%+1%

Non-interest income vs. expense

1.18%Q2 ’241.08%Q2 ’250.94%Q2 ’26-2%-18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.28%1.51%1.43%1.40%1.50%1.32%1.42%-1 bps
Return on Equity14.98%15.45%18.89%17.53%16.85%17.75%16.31%17.31%-23 bps
Net Interest Margin2.68%2.59%2.81%2.79%2.75%2.78%2.90%2.82%+4 bps
Efficiency Ratio36.19%35.35%33.95%33.51%32.79%31.87%29.14%29.17%-434 bps
Non-Interest Burden0.67%0.63%0.71%0.68%0.65%0.63%0.56%0.56%-12 bps
Growth
Asset Growth (YoY)14.23%27.69%7.49%14.36%9.33%-3.02%25.87%11.49%-287 bps
Loan Growth (YoY)5.71%18.31%12.63%14.26%16.64%9.17%14.10%9.02%-524 bps
Deposit Growth (YoY)11.94%28.93%5.90%15.98%10.31%-5.56%29.30%11.61%-437 bps
Asset Quality
Nonperforming Loans / Loans0.37%0.24%0.26%0.24%0.23%0.25%0.34%0.27%+3 bps
Net Charge-Offs / Loans0.53%0.41%0.01%0.04%0.04%0.05%0.06%0.11%+7 bps
Allowance / Loans0.65%0.63%0.62%0.62%0.69%0.57%0.63%0.61%-2 bps
Allowance Coverage of NPLs1.7x2.6x2.3x2.6x3.0x2.3x1.8x2.2x-0.3x
Capital
Tier 1 Leverage Ratio9.72%9.21%9.56%9.52%9.60%9.66%9.36%9.38%-14 bps
Total Risk-Based Capital12.00%11.25%11.80%11.38%11.99%11.81%11.44%11.84%+46 bps
Equity / Assets8.85%7.30%8.75%8.43%8.93%8.79%7.53%8.35%-8 bps
Liquidity & Funding
Loans / Deposits82.01%74.66%85.28%85.20%86.72%86.31%75.25%83.23%-198 bps
Liquid Assets / Assets15.77%23.56%13.77%13.20%12.93%11.80%19.48%15.62%+242 bps
CRE / Total Capitaln/an/an/an/a218%217%214%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

Northbrook Bank & Trust Company, National Association

Northbrook, IL · Cert 57082 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 7 branches (213 in holding)

Q2 2026

$6.4BAssets
$4.5BLoans
$5.4BDeposits
$531.5MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
  • Widest gap: net interest margin trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.41%

Rank 14 of 31

Net Interest Margin

2.82%

Rank 30 of 31

Efficiency Ratio

29.48%

Rank 1 of 31

Equity / Assets

8.35%

Rank 29 of 31

Non-interest income vs. expense

$22.9M$56.0MINCOMEEXPENSE
Unfavorable gap of $33.1M · efficiency ratio beats 100% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 29.48%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.41%1.15%1.39%1.64%Beats 55%14 / 31
Return on Equity16.92%11.05%13.35%16.66%Beats 81%6 / 31
Net Interest Margin2.82%3.00%3.28%3.75%Beats 3%30 / 31
Efficiency Ratio29.48%37.25%50.71%61.60%Beats 100%1 / 31
Asset Quality
Nonperforming Loans / Loans0.27%0.18%0.41%1.00%Beats 74%9 / 31
Net Charge-Offs / Loans0.07%0.00%0.04%0.11%Beats 35%21 / 31
Capital
Tier 1 Capital Ratio11.16%10.88%11.50%13.72%Beats 42%18 / 31
Total Risk-Based Capital Ratio11.84%11.53%12.02%14.77%Beats 42%18 / 31
Equity / Assets8.35%8.90%10.15%11.24%Beats 6%29 / 31
Liquidity & Funding
Loans / Deposits83.23%80.56%87.67%94.53%32nd pctl21 / 31
Loans / Assets70.06%67.81%73.77%76.85%32nd pctl21 / 31
Brokered Deposits / Depositsn/aNot reported for this institution