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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