PackageTrendsPeer
Letter portraitLegal landscape

Beverly Bank & Trust Company, National Association

Chicago, IL · Cert 57701 · Wintrust Financial Corp.

National charter · OCC · 8 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

44

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

60

Q2 2024Q2 2026peer median

Efficiency

35

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

Beverly Bank & Trust Company, National Association

Chicago, IL · Cert 57701 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 8 branches (213 in holding)

Q2 2026

$2.7BAssets
$2.1BLoans
$2.3BDeposits
$265.5MEquity
Loan mix
40%RE $728.1M52%C&I $954.2M8%Consumer $154.9MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $1.9B18%Noninterest $0.4BQ2 2025Q2 2026

NIM

5.75%Q2 ’245.72%Q2 ’255.28%Q2 ’26+3%-3%

Non-interest income vs. expense

2.96%Q2 ’243.12%Q2 ’253.19%Q2 ’26+3%-18%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.4% share · #32 of 147 inst. · $2.3B of $630.7B

Executive Summary

  • Earnings: ROA of 1.62%, up 18 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.40% of loans (-27 bps YoY), with net charge-offs at 0.29%.
  • Capital: tier 1 leverage ratio of 9.91%, down 18 bps from a year ago.
  • Funding: loans stand at 91.05% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-10 bps YoY

Efficiency Ratio (YTD, annualized)

57.99%-125 bps YoY

Tier 1 Leverage Ratio

9.91%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.33%1.47%1.89%1.62%+18 bps
Return on Equity14.09%12.90%14.25%18.33%15.97%+187 bps
Net Interest Margin3.59%3.56%3.58%3.55%3.49%-10 bps
Efficiency Ratio59.23%60.05%60.00%54.42%57.99%-125 bps
Non-Interest Burden1.42%1.43%1.42%0.89%1.16%-26 bps
Growth
Asset Growth (YoY)3.84%2.00%1.51%7.48%4.58%+73 bps
Loan Growth (YoY)5.44%3.94%0.98%2.64%0.42%-502 bps
Deposit Growth (YoY)3.61%1.82%1.49%7.93%4.04%+44 bps
Asset Quality
Nonperforming Loans / Loans0.67%0.46%0.41%0.35%0.40%-27 bps
Net Charge-Offs / Loans0.11%0.29%0.33%0.51%0.29%+18 bps
Allowance / Loans0.91%0.95%0.73%0.62%0.66%-24 bps
Allowance Coverage of NPLs1.3x2.1x1.8x1.8x1.6x+0.3x
Capital
Tier 1 Leverage Ratio10.09%10.00%10.13%10.44%9.91%-18 bps
Total Risk-Based Capital12.13%12.49%12.60%12.45%12.10%-2 bps
Equity / Assets10.15%10.39%10.40%10.24%9.86%-29 bps
Liquidity & Funding
Loans / Deposits94.34%93.64%92.33%91.45%91.05%-329 bps
Liquid Assets / Assets6.74%5.49%8.51%7.61%7.46%+73 bps
CRE / Total Capitaln/a238%228%209%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

Beverly Bank & Trust Company, National Association

Chicago, IL · Cert 57701 · 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 · 8 branches (213 in holding)

Q2 2026

$2.7BAssets
$2.1BLoans
$2.3BDeposits
$265.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 71% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 9 of 31).
  • Widest gap: net charge-offs / loans trails 87% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 28 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.58%

Rank 9 of 31

Net Interest Margin

3.49%

Rank 13 of 31

Efficiency Ratio

57.99%

Rank 21 of 31

Equity / Assets

9.86%

Rank 20 of 31

Non-interest income vs. expense

$53.1M$83.4MINCOMEEXPENSE
Unfavorable gap of $30.3M · efficiency ratio beats 35% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 57.99%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.58%1.15%1.39%1.64%Beats 71%9 / 31
Return on Equity16.04%11.05%13.35%16.66%Beats 71%9 / 31
Net Interest Margin3.49%3.00%3.28%3.75%Beats 58%13 / 31
Efficiency Ratio57.99%37.25%50.71%61.60%Beats 35%21 / 31
Asset Quality
Nonperforming Loans / Loans0.40%0.18%0.41%1.00%Beats 55%15 / 31
Net Charge-Offs / Loans0.17%0.00%0.04%0.11%Beats 13%28 / 31
Capital
Tier 1 Capital Ratio11.43%10.88%11.50%13.72%Beats 45%17 / 31
Total Risk-Based Capital Ratio12.10%11.53%12.02%14.77%Beats 52%15 / 31
Equity / Assets9.86%8.90%10.15%11.24%Beats 35%20 / 31
Liquidity & Funding
Loans / Deposits91.05%80.56%87.67%94.53%65th pctl11 / 31
Loans / Assets76.85%67.81%73.77%76.85%74th pctl8 / 31
Brokered Deposits / Depositsn/aNot reported for this institution