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Old Plank Trail Community Bank, National Association

New Lenox, IL · Cert 58314 · Wintrust Financial Corp.

National charter · OCC · 16 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

13

Q2 2024Q2 2026peer median (50)

Asset Quality

47

Q2 2024Q2 2026peer median (50)

Profitability

32

Q2 2024Q2 2026peer median (50)

Liquidity

44

Q2 2024Q2 2026peer median

Efficiency

55

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

Old Plank Trail Community Bank, National Association

New Lenox, IL · Cert 58314 · Wintrust Financial Corp.

National charter · OCC · 15 affiliate banks · 16 branches (213 in holding)

Q2 2026

$3.5BAssets
$2.5BLoans
$3.1BDeposits
$294.6MEquity
Loan mix
34%RE $0.8B48%C&I $1.1B18%Consumer $0.4BQ2 2025Q2 2026
Deposit mix
85%Interest-bearing $2.6B15%Noninterest $0.5BQ2 2025Q2 2026

NIM

5.29%Q2 ’245.16%Q2 ’254.89%Q2 ’26+2%-1%

Non-interest income vs. expense

1.75%Q2 ’241.59%Q2 ’251.54%Q2 ’26-11%0%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.5% share · #25 of 147 inst. · $3.1B of $630.7B

9.4% Will
0.2% Cook
1.6% Lake

Executive Summary

  • Earnings: ROA of 1.19%, down 12 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 0.28% of loans (-14 bps YoY), with net charge-offs at 0.24%.
  • Capital: tier 1 leverage ratio of 8.82%, down 11 bps from a year ago.
  • Funding: loans stand at 80.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.19%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.00%-4 bps YoY

Efficiency Ratio (YTD, annualized)

47.72%-37 bps YoY

Tier 1 Leverage Ratio

8.82%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.32%1.19%1.16%1.28%1.19%-12 bps
Return on Equity15.54%14.06%13.57%14.74%13.91%-163 bps
Net Interest Margin3.03%2.95%2.98%3.15%3.00%-4 bps
Efficiency Ratio48.09%48.06%48.28%47.71%47.72%-37 bps
Non-Interest Burden1.30%1.27%1.30%1.37%1.30%0 bps
Growth
Asset Growth (YoY)10.26%12.93%13.70%9.67%12.69%+243 bps
Loan Growth (YoY)14.90%13.59%10.33%7.86%9.22%-568 bps
Deposit Growth (YoY)9.98%13.16%11.57%7.82%12.42%+245 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.42%0.52%0.32%0.28%-14 bps
Net Charge-Offs / Loans0.08%0.08%0.12%0.36%0.24%+17 bps
Allowance / Loans0.58%0.66%0.67%0.59%0.62%+4 bps
Allowance Coverage of NPLs1.4x1.6x1.3x1.8x2.2x+0.8x
Capital
Tier 1 Leverage Ratio8.92%8.79%9.06%9.06%8.82%-11 bps
Total Risk-Based Capital11.33%11.47%11.76%11.56%11.46%+13 bps
Equity / Assets8.51%8.54%8.82%8.61%8.34%-17 bps
Liquidity & Funding
Loans / Deposits82.64%81.59%83.22%82.70%80.28%-236 bps
Liquid Assets / Assets11.65%11.37%9.92%9.69%11.45%-20 bps
CRE / Total Capitaln/a175.27%171.38%179.70%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

Old Plank Trail Community Bank, National Association

New Lenox, IL · Cert 58314 · 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 · 16 branches (213 in holding)

Q2 2026

$3.5BAssets
$2.5BLoans
$3.1BDeposits
$294.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 10 of 31).
  • Widest gap: equity / assets trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 26 of 31

Net Interest Margin

3.00%

Rank 23 of 31

Efficiency Ratio

47.74%

Rank 15 of 31

Equity / Assets

8.34%

Rank 30 of 31

Non-interest income vs. expense

$8.5M$53.3MINCOMEEXPENSE
Unfavorable gap of $44.7M · efficiency ratio beats 55% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 47.74%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%1.15%1.39%1.64%Beats 16%26 / 31
Return on Equity13.69%11.05%13.35%16.66%Beats 55%14 / 31
Net Interest Margin3.00%3.00%3.28%3.75%Beats 26%23 / 31
Efficiency Ratio47.74%37.25%50.71%61.60%Beats 55%15 / 31
Asset Quality
Nonperforming Loans / Loans0.28%0.18%0.41%1.00%Beats 71%10 / 31
Net Charge-Offs / Loans0.14%0.00%0.04%0.11%Beats 23%25 / 31
Capital
Tier 1 Capital Ratio10.81%10.88%11.50%13.72%Beats 19%25 / 31
Total Risk-Based Capital Ratio11.46%11.53%12.02%14.77%Beats 16%26 / 31
Equity / Assets8.34%8.90%10.15%11.24%Beats 3%30 / 31
Liquidity & Funding
Loans / Deposits80.28%80.56%87.67%94.53%19th pctl25 / 31
Loans / Assets70.88%67.81%73.77%76.85%35th pctl20 / 31
Brokered Deposits / Depositsn/aNot reported for this institution