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Schaumburg Bank & Trust Company, National Association

Schaumburg, IL · Cert 57103 · Wintrust Financial Corp.

National charter · OCC · 6 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

78

Q2 2024Q2 2026peer median (50)

Profitability

69

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

84

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

Schaumburg Bank & Trust Company, National Association

Schaumburg, IL · Cert 57103 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 6 branches (213 in holding)

Q2 2026

$2.6BAssets
$1.9BLoans
$2.2BDeposits
$236.9MEquity
Loan mix
36%RE $605.3M43%C&I $724.2M20%Consumer $337.8MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $1.8B20%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.74%Q2 ’245.36%Q2 ’255.07%Q2 ’26-7%+6%

Non-interest income vs. expense

1.28%Q2 ’241.20%Q2 ’251.19%Q2 ’26-21%-4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #34 of 147 inst. · $2.2B of $630.7B

2.3% DuPage
0.2% Cook

Executive Summary

  • Earnings: ROA of 1.77%, up 17 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.11% of loans (-3 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.36%, down 47 bps from a year ago.
  • Funding: loans stand at 84.26% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.77%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+17 bps YoY

Efficiency Ratio (YTD, annualized)

34.50%-227 bps YoY

Tier 1 Leverage Ratio

9.36%-47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.63%1.64%1.89%1.77%+17 bps
Return on Equity15.96%16.18%16.11%18.52%17.97%+201 bps
Net Interest Margin2.95%2.94%3.08%3.17%3.12%+17 bps
Efficiency Ratio36.78%35.71%35.28%33.90%34.50%-227 bps
Non-Interest Burden0.87%0.84%0.87%0.80%0.84%-3 bps
Growth
Asset Growth (YoY)10.68%7.98%7.26%9.52%7.05%-363 bps
Loan Growth (YoY)8.52%4.26%2.10%2.74%2.16%-635 bps
Deposit Growth (YoY)11.49%10.67%8.19%9.32%6.61%-487 bps
Asset Quality
Nonperforming Loans / Loans0.13%0.13%0.18%0.12%0.11%-3 bps
Net Charge-Offs / Loans0.07%0.07%0.08%0.03%0.04%-3 bps
Allowance / Loans0.60%0.60%0.65%0.55%0.51%-9 bps
Allowance Coverage of NPLs4.4x4.7x3.6x4.6x4.8x+0.3x
Capital
Tier 1 Leverage Ratio9.83%9.65%10.13%9.71%9.36%-47 bps
Total Risk-Based Capital11.66%12.04%12.90%11.98%11.62%-5 bps
Equity / Assets9.73%10.06%10.64%9.74%9.26%-47 bps
Liquidity & Funding
Loans / Deposits87.93%87.42%86.58%86.25%84.26%-367 bps
Liquid Assets / Assets9.17%8.30%10.29%7.70%8.81%-36 bps
CRE / Total Capitaln/a193.07%181.38%195.76%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

Schaumburg Bank & Trust Company, National Association

Schaumburg, IL · Cert 57103 · 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 · 6 branches (213 in holding)

Q2 2026

$2.6BAssets
$1.9BLoans
$2.2BDeposits
$236.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 90% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 3 of 31).
  • Widest gap: total risk-based capital ratio trails 74% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 23 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.67%

Rank 6 of 31

Net Interest Margin

3.12%

Rank 20 of 31

Efficiency Ratio

34.53%

Rank 6 of 31

Equity / Assets

9.26%

Rank 22 of 31

Non-interest income vs. expense

$8.7M$29.6MINCOMEEXPENSE
Unfavorable gap of $20.8M · efficiency ratio beats 84% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 34.53%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.67%1.15%1.39%1.64%Beats 81%6 / 31
Return on Equity18.08%11.05%13.35%16.66%Beats 90%3 / 31
Net Interest Margin3.12%3.00%3.28%3.75%Beats 35%20 / 31
Efficiency Ratio34.53%37.25%50.71%61.60%Beats 84%6 / 31
Asset Quality
Nonperforming Loans / Loans0.11%0.18%0.41%1.00%Beats 84%6 / 31
Net Charge-Offs / Loans0.02%0.00%0.04%0.11%Beats 71%10 / 31
Capital
Tier 1 Capital Ratio11.07%10.88%11.50%13.72%Beats 35%20 / 31
Total Risk-Based Capital Ratio11.62%11.53%12.02%14.77%Beats 26%23 / 31
Equity / Assets9.26%8.90%10.15%11.24%Beats 29%22 / 31
Liquidity & Funding
Loans / Deposits84.26%80.56%87.67%94.53%35th pctl20 / 31
Loans / Assets72.69%67.81%73.77%76.85%42nd pctl18 / 31
Brokered Deposits / Depositsn/aNot reported for this institution