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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 $0.4BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $4.0B26%Noninterest $1.4BQ2 2025Q2 2026

NIM

5.55%Q2 ’245.38%Q2 ’255.15%Q2 ’26+2%+3%

Non-interest income vs. expense

1.20%Q2 ’241.08%Q2 ’250.96%Q2 ’26-12%-12%

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 1.46%, up 8 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.27% of loans (+3 bps YoY), with net charge-offs at 0.17%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.46%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.87%+7 bps YoY

Efficiency Ratio (quarter, annualized)

29.20%-388 bps YoY

Tier 1 Leverage Ratio

9.38%-14 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.36%1.78%1.32%1.46%+8 bps
Return on Equity16.08%15.65%20.10%16.31%18.40%+232 bps
Net Interest Margin2.80%2.85%2.91%2.90%2.87%+7 bps
Efficiency Ratio33.08%31.43%29.27%29.14%29.20%-388 bps
Non-Interest Burden0.66%0.63%0.58%0.56%0.58%-8 bps
Growth
Asset Growth (YoY)14.36%9.33%-3.02%25.87%11.49%-287 bps
Loan Growth (YoY)14.26%16.64%9.17%14.10%9.02%-524 bps
Deposit Growth (YoY)15.98%10.31%-5.56%29.30%11.61%-437 bps
Asset Quality
Nonperforming Loans / Loans0.24%0.23%0.25%0.34%0.27%+3 bps
Net Charge-Offs / Loans0.07%0.04%0.10%0.06%0.17%+10 bps
Allowance / Loans0.62%0.69%0.57%0.63%0.61%-2 bps
Allowance Coverage of NPLs2.6x3.0x2.3x1.8x2.2x-0.3x
Capital
Tier 1 Leverage Ratio9.52%9.60%9.66%9.36%9.38%-14 bps
Total Risk-Based Capital11.38%11.99%11.81%11.44%11.84%+46 bps
Equity / Assets8.43%8.93%8.79%7.53%8.35%-8 bps
Liquidity & Funding
Loans / Deposits85.20%86.72%86.31%75.25%83.23%-198 bps
Liquid Assets / Assets13.20%12.93%11.80%19.48%15.62%+242 bps
CRE / Total Capitaln/a218%217%214%n/an/a