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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

5.94%Q2 ’245.73%Q2 ’255.38%Q2 ’26+0%-1%

Non-interest income vs. expense

3.04%Q2 ’243.22%Q2 ’253.33%Q2 ’26+6%-2%

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 1.35%, unchanged from a year ago; NIM at 3.54%.
  • Asset quality: problem loans at 0.40% of loans (-27 bps YoY), with net charge-offs at 0.07%.
  • 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 (quarter, annualized)

1.35%0 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-4 bps YoY

Efficiency Ratio (quarter, annualized)

61.71%+101 bps YoY

Tier 1 Leverage Ratio

9.91%-18 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.08%1.90%1.89%1.35%0 bps
Return on Equity13.16%10.49%18.26%18.33%13.46%+29 bps
Net Interest Margin3.58%3.48%3.61%3.55%3.54%-4 bps
Efficiency Ratio60.69%61.69%59.86%54.42%61.71%+101 bps
Non-Interest Burden1.48%1.44%1.39%0.89%1.45%-2 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 / Loans0.09%0.66%0.44%0.51%0.07%-2 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