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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

5.87%Q2 ’245.60%Q2 ’255.26%Q2 ’260%+6%

Non-interest income vs. expense

1.31%Q2 ’241.21%Q2 ’251.25%Q2 ’26-24%+10%

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 1.67%, down 16 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 0.11% of loans (-3 bps YoY), with net charge-offs at 0.05%.
  • 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 (quarter, annualized)

1.67%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.25%+19 bps YoY

Efficiency Ratio (quarter, annualized)

35.07%-32 bps YoY

Tier 1 Leverage Ratio

9.36%-47 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.64%1.64%1.89%1.67%-16 bps
Return on Equity18.41%16.60%15.87%18.52%17.61%-81 bps
Net Interest Margin3.06%3.17%3.22%3.17%3.25%+19 bps
Efficiency Ratio35.40%33.77%34.09%33.90%35.07%-32 bps
Non-Interest Burden0.84%0.85%0.87%0.80%0.92%+9 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 / Loans0.01%0.08%0.08%0.03%0.05%+4 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