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Letter portraitLegal landscapeQuarterYTD

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

5.42%Q2 ’245.29%Q2 ’254.99%Q2 ’26+4%-1%

Non-interest income vs. expense

1.75%Q2 ’241.62%Q2 ’251.57%Q2 ’26-7%-4%

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 1.12%, down 12 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 0.28% of loans (-14 bps YoY), with net charge-offs at 0.15%.
  • 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 (quarter, annualized)

1.12%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.03%-3 bps YoY

Efficiency Ratio (quarter, annualized)

47.73%-116 bps YoY

Tier 1 Leverage Ratio

8.82%-11 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%0.96%1.06%1.28%1.12%-12 bps
Return on Equity14.56%11.27%12.22%14.74%13.19%-138 bps
Net Interest Margin3.06%3.03%3.08%3.15%3.03%-3 bps
Efficiency Ratio48.90%47.99%48.91%47.71%47.73%-116 bps
Non-Interest Burden1.36%1.32%1.38%1.37%1.30%-6 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 / Loans0.07%0.10%0.22%0.36%0.15%+8 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