Form 8-K

8-K — WINTRUST FINANCIAL CORP

Accession: 0001015328-26-000026

Filed: 2026-10-19

Period: 2026-10-19

CIK: 0001015328

SIC: 6022 (STATE COMMERCIAL BANKS)

Item: Results of Operations and Financial Condition

Item: Financial Statements and Exhibits

Documents

8-K — wtfc-20261019.htm (Primary)

EX-99.1 (exhibit9912026-q3.htm)

EX-99.2 (earningsrelease2026-q3fi.htm)

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8-K

8-K (Primary)

Filename: wtfc-20261019.htm · Sequence: 1

wtfc-20261019

0001015328false00010153282026-10-192026-10-190001015328us-gaap:CommonStockMember2026-10-192026-10-190001015328wtfc:DepositorySharesSeriesFPreferredStockMember2026-10-192026-10-19

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of The

Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 19, 2026

WINTRUST FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)

Illinois 001-35077 36-3873352

(State or other jurisdiction of Incorporation) (Commission File Number) (I.R.S. Employer

Identification No.)

9700 W. Higgins Road, Suite 800

Rosemont Illinois 60018

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code (847) 939-9000

Not Applicable

(Former name or former address, if changed since last year)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Title of Each Class  Ticker Symbol Name of Each Exchange on Which Registered

Common Stock, no par value  WTFC The Nasdaq Global Select Market

Depositary Shares, Each Representing a 1/1,000th Interest in a Share of

WTFCN The Nasdaq Global Select Market

7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company     ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.     ☐

Item 2.02. Results of Operations and Financial Condition

The information in this Current Report is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

On October 19, 2026, Wintrust Financial Corporation (the “Company”) announced earnings for the third quarter of 2026 and posted on its website the Third Quarter 2026 Earnings Release Presentation. Copies of the press release relating to the Company’s earnings results and the related presentation are attached hereto as Exhibit 99.1 and Exhibit 99.2, respectively. Certain supplemental information relating to non-GAAP financial measures reported in the attached press release and presentation is included on pages 33 through 35 of Exhibit 99.1 and pages 29 through 32 of Exhibit 99.2.

Item 9.01. Financial Statements and Exhibits

(d) Exhibits

Exhibit

99.1

Third Quarter 2026 Earnings Release dated October 19, 2026

99.2

Third Quarter 2026 Earnings Release Presentation dated October 19, 2026

2

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

WINTRUST FINANCIAL CORPORATION

(Registrant)

By: /s/ David L. Stoehr

David L. Stoehr

Executive Vice President and

Chief Financial Officer

Date: October 19, 2026

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INDEX TO EXHIBITS

Exhibit

99.1

Third Quarter 2026 Earnings Release dated October 19, 2026

99.2

Third Quarter 2026 Earnings Release Presentation dated October 19, 2026

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EX-99.1

EX-99.1

Filename: exhibit9912026-q3.htm · Sequence: 2

Document

Exhibit 99.1

Wintrust Financial Corporation

9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018

News Release

FOR IMMEDIATE RELEASE    October 19, 2026

FOR MORE INFORMATION CONTACT:

David A. Dykstra, Vice Chairman & Chief Operating Officer

(847) 939-9000

Amy Yuhn, Executive Vice President, Communications

(847) 939-9591

Web site address: www.wintrust.com

Wintrust Financial Corporation Reports Record Net Income

ROSEMONT, ILLINOIS – Wintrust Financial Corporation (“Wintrust”, “the Company”, “we” or “our”) (Nasdaq: WTFC) announced record net income of $700.1 million, or $9.89 per diluted common share, for the first nine months of 2026 compared to net income of $600.8 million, or $8.25 per diluted common share, for the same period of 2025. This represents a year-to-date net income increase of 17% compared to the same period of 2025. Pre-tax, pre-provision income (non-GAAP) for the first nine months of the year totaled a record $1.0 billion, compared to $884.1 million for the first nine months of 2025.

The Company reported record quarterly net income of $239.1 million, or $3.37 per diluted common share, for the third quarter of 2026, compared to net income of $233.7 million, or $3.30 per diluted common share, for the second quarter of 2026. Pre-tax, pre-provision income (non-GAAP) for the third quarter of 2026 totaled $352.2 million, as compared to $341.1 million for the second quarter of 2026.

Timothy S. Crane, President and Chief Executive Officer, commented, “Our strong momentum in the first half of the year continued into the third quarter leading to consistent and record results for the first nine months of 2026. The third quarter of 2026 produced the seventh consecutive quarter of record net income for the Company.”

Additionally, Mr. Crane noted, “Net interest income came in at $621.6 million for the quarter, an increase of $24.2 million, or 16% annualized, from the second quarter of 2026. Net interest margin of 3.51% in the third quarter remained in line with our expectations, and we believe our balance sheet is well positioned to support stable performance through changing interest rate environments.”

Highlights of the third quarter of 2026:

Comparative information to the second quarter of 2026, unless otherwise noted

•Total loans increased by $1.1 billion, or 8% annualized.

•Total deposits increased by $1.3 billion, or 8% annualized.

•Total assets increased by $1.3 billion, or 7% annualized.

•Net interest income increased to $621.6 million in the third quarter of 2026, compared to $597.4 million in the second quarter of 2026, driven by strong average earning asset growth.

◦Net interest margin was 3.49% (3.51% on a fully taxable-equivalent basis, non-GAAP) during the third quarter of 2026 which was in line with our prior guidance.

•Provision for credit losses totaled $25.9 million in the third quarter of 2026, compared to $23.1 million in the second quarter of 2026.

•Net charge-offs totaled $21.0 million, or 15 basis points of average total loans on an annualized basis, in the third quarter of 2026 up from $13.4 million, or 10 basis points of average total loans on an annualized basis, in the second quarter of 2026.

•Non-performing loans totaled $176.9 million and comprised 0.31% of total loans at September 30, 2026, as compared to $179.3 million and 0.32% of total loans at June 30, 2026.

“We are encouraged by our strong third quarter performance and record results year-to-date. We believe we are well-positioned to build on our strong momentum and deliver further revenue growth as we close out the year. Our unique market position and strong customer relationships continue to create long-term franchise value in the markets we serve. We are proud of our latest deposit market share gains in Illinois and remain committed to expanding our market presence in Wisconsin and west Michigan. Our focus remains on delivering consistent balance sheet growth, expanding net interest income while maintaining a disciplined approach to expense management, which should generate positive operating leverage for the year”, Mr. Crane concluded.

* * *

The graphs shown on pages 3-7 illustrate certain financial highlights of the third quarter of 2026 as well as historical financial performance. See “Supplemental Non-GAAP Financial Measures/Ratios” at Table 18 for additional information with respect to non-GAAP financial measures/ratios, including the reconciliations to the corresponding GAAP financial measures/ratios.

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3

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SUMMARY OF RESULTS:

BALANCE SHEET

Total assets increased $1.3 billion in the third quarter of 2026 compared to the second quarter of 2026, driven by a $1.1 billion increase in total loans. The robust loan growth was diversified across all major loan portfolios.

Total liabilities increased by $1.5 billion in the third quarter of 2026 compared to the second quarter of 2026, driven by a $1.3 billion increase in total deposits. Strong organic deposit growth in the third quarter of 2026 was driven by our diverse customer base and product offerings. Non-interest bearing deposit balances represented 19% of total deposits and average non-interest bearing deposit balances have remained stable in recent quarters. The Company's loans-to-deposits ratio ended the quarter at 91.0%.

For more information regarding changes in the Company’s balance sheet, see Consolidated Statements of Condition and Table 1 through Table 3 in this report.

NET INTEREST INCOME

For the third quarter of 2026, net interest income totaled $621.6 million, compared to $597.4 million in the second quarter of 2026. The increase in net interest income in the third quarter of 2026 was driven by strong average earning asset growth of $2.1 billion.

Net interest margin was 3.49% (3.51% on a fully taxable-equivalent basis, non-GAAP) during the third quarter of 2026, down one basis point compared to the second quarter of 2026. The yield on earning assets remained flat during the third quarter of 2026 while loan yields decreased by one basis point. Funding cost on interest-bearing deposits decreased one basis point compared to the second quarter of 2026. The net free funds contribution in the third quarter of 2026 decreased two basis points compared to the second quarter of 2026.

For more information regarding net interest income, see Table 4 through Table 8 in this report.

ASSET QUALITY

The allowance for credit losses totaled $486.1 million as of September 30, 2026, an increase from $481.2 million as of June 30, 2026. A provision for credit losses totaling $25.9 million was recorded for the third quarter of 2026 compared to $23.1 million recorded in the second quarter of 2026. The provision for credit losses recognized in the third quarter of 2026 reflects growth in the portfolio, stable credit quality and a mostly stable macroeconomic forecast. However, given future economic performance remains uncertain, allowance results capture uncertainty related to credit spreads, equity market valuations, consumer & business sentiment, and the job market. For more information regarding the allowance for credit losses and provision for credit losses, see Table 11 in this report.

Management believes the allowance for credit losses is appropriate to account for expected credit losses. The Company is required to estimate expected credit losses over the life of the Company’s financial assets as of the reporting date. There can be no assurances, however, that future losses will not significantly exceed the amounts provided for, thereby affecting future results of operations. A summary of the allowance for credit losses calculated for the loan components in each portfolio as of September 30, 2026, June 30, 2026, and March 31, 2026 is shown on Table 12 of this report.

Net charge-offs totaled $21.0 million in the third quarter of 2026, an increase of $7.6 million compared to $13.4 million of net charge-offs in the second quarter of 2026. Net charge-offs as a percentage of average total loans were 15 basis points in the third quarter of 2026 on an annualized basis compared to 10 basis points on an annualized basis in the second quarter of 2026. For more information regarding net charge-offs, see Table 10 in this report.

The Company’s loan portfolio delinquency rates remain low. For more information regarding past due loans, see Table 13 in this report.

Non-performing assets and non-performing loans were stable compared to prior quarter. Non-performing assets totaled $193.3 million and comprised 0.25% of total assets as of September 30, 2026, as compared to $195.2 million, or 0.26% of total assets, as of June 30, 2026. Non-performing loans totaled $176.9 million and comprised 0.31% of total loans at September 30, 2026, as compared to $179.3 million and 0.32% of total loans at June 30, 2026. For more information regarding non-performing assets, see Table 14 in this report.

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NON-INTEREST INCOME

Non-interest income totaled $136.3 million in the third quarter of 2026, compared to $141.3 million in the second quarter of 2026.

Wealth management revenue increased by approximately $1.1 million in the third quarter of 2026, compared to the second quarter of 2026. The increase in the third quarter of 2026 was primarily driven by increased trust and asset management fees from higher assets under management during the period. Wealth management revenue is comprised of the trust and asset management revenue of Wintrust Private Trust Company and Great Lakes Advisors, the brokerage commissions, managed money fees and insurance product commissions at Wintrust Investments and fees from tax-deferred like-kind exchange services provided by the Chicago Deferred Exchange Company.

Mortgage banking revenue totaled $25.5 million in the third quarter of 2026, compared to $27.4 million in the second quarter of 2026. The decrease in the third quarter of 2026 was primarily attributed to lower mortgage loan originations and related operational revenue. For more information regarding mortgage banking revenue, see Table 16 in this report.

The Company recognized approximately $1.6 million in net losses on investment securities in the third quarter of 2026 compared to approximately $1.8 million in net gains in the second quarter of 2026. The net losses in the third quarter of 2026 were primarily the result of fair value adjustments on the Company’s equity investment securities with a readily determinable fair value.

For more information regarding non-interest income, see Table 15 in this report.

NON-INTEREST EXPENSE

Non-interest expense totaled $405.7 million in the third quarter of 2026, increasing $8.1 million, compared to $397.5 million in the second quarter of 2026. Non-interest expense, as a percent of average assets, decreased to 2.16% in the third quarter of 2026 from 2.21% in the second quarter of 2026.

Salaries and employee benefits expense decreased by approximately $3.5 million in the third quarter of 2026, compared to the second quarter of 2026. This was primarily driven by lower payroll taxes and deferred compensation expense during the third quarter of 2026.

Advertising and marketing expense in the third quarter of 2026 totaled $21.8 million, which was a $1.4 million increase as compared to the second quarter of 2026. The increase in the third quarter was primarily driven by community sponsorship events and media commitments which are historically higher in the second and third quarter of the year. Marketing costs are incurred to promote the Company’s brand, commercial banking capabilities and the Company’s various products, to attract loans and deposits and to announce new branch openings as well as the expansion of the Company’s non-bank businesses. The level of marketing expenditures depends on the timing of sponsorship programs utilized which are determined based on the market area, targeted audience, competition and various other factors. Generally, these expenses are elevated in the second and third quarters of each year.

FDIC insurance totaled $12.1 million in the third quarter of 2026, a $5.5 million increase from the second quarter of 2026. This was primarily the result of the $5.2 million FDIC special assessment reversal recorded in the second quarter of 2026. The special assessments were in response to certain bank failures in 2023 and the reversal was based on the FDIC's final determination of losses to its Deposit Insurance Fund.

For more information regarding non-interest expense, see Table 17 in this report.

INCOME TAXES

The Company recorded income tax expense of $87.3 million in the third quarter of 2026 compared to $84.3 million in the second quarter of 2026. The effective tax rates were 26.7% in the third quarter of 2026 compared to 26.5% in the second quarter of 2026.

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BUSINESS SUMMARY

Community Banking

Through community banking, the Company provides banking and financial services primarily to individuals, small to mid-sized businesses, local governmental units and institutional clients residing primarily in the local areas the Company services. In the third quarter of 2026, community banking increased its commercial, commercial real estate and residential real estate loan portfolios.

Mortgage banking revenue was $25.5 million for the third quarter of 2026, a decrease of $1.9 million compared to the second quarter of 2026. See Table 16 for more detail. Service charges on deposit accounts totaled $22.2 million in the third quarter of 2026 as compared to $21.2 million in the second quarter of 2026. The Company’s gross commercial and commercial real estate loan pipelines remained solid as of September 30, 2026 indicating momentum for expected continued loan growth in the fourth quarter of 2026.

Specialty Finance

Through specialty finance, the Company offers financing of insurance premiums for businesses and individuals, equipment financing through structured loans and lease products to customers in a variety of industries, accounts receivable financing and value-added, out-sourced administrative services and other services. Originations within the insurance premium financing receivables portfolios were approximately $5.4 billion during the third quarter of 2026. Average balances increased by $781.7 million, as compared to the second quarter of 2026. The Company’s leasing divisions’ portfolio balances increased in the third quarter of 2026, with capital leases, loans, and equipment on operating leases of $3.1 billion, $1.3 billion, and $363.2 million as of September 30, 2026, respectively, compared to $3.1 billion, $1.2 billion, and $363.7 million as of June 30, 2026, respectively. Revenues from the Company’s out-sourced administrative services business were $1.4 million in the third quarter of 2026, which was relatively stable compared to the second quarter of 2026.

Wealth Management

Through wealth management, the Company offers a full range of wealth management services, including trust and investment services, tax-deferred like-kind exchange services, asset management, and securities brokerage services. Wealth management revenue totaled $41.0 million in the third quarter of 2026, an increase as compared to the second quarter of 2026. At September 30, 2026, the Company’s wealth management subsidiaries had approximately $51.5 billion of assets under administration, which excludes assets owned by the Company and its subsidiary banks.

ITEMS IMPACTING COMPARATIVE FINANCIAL RESULTS

Business Acquisition

On September 1, 2026, the Company completed its purchase of the guardianship services business that was previously announced (the “business”). The business has approximately $1.2 billion in assets under management. As of September 30, 2026, the Company preliminarily recorded goodwill of approximately $7.5 million. In accordance with generally accepted accounting principles (“GAAP”), the initial purchase accounting for this business acquisition is not finalized and is therefore subject to change.

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WINTRUST FINANCIAL CORPORATION

Key Operating Measures

Wintrust’s key operating measures and growth rates for the third quarter of 2026, as compared to the second quarter of 2026 (sequential quarter) and third quarter of 2025 (linked quarter), are shown in the table below:

% or (1)

basis point  (bp) change from

2nd Quarter

2026

% or

basis point  (bp) change from

3rd Quarter

2025

Three Months Ended

(Dollars in thousands, except per share data) Sep 30, 2026 Jun 30, 2026 Sep 30, 2025

Net income $ 239,054  $ 233,693  $ 216,254  2  %  11  %

Pre-tax income, excluding provision for credit losses (non-GAAP) (2)

352,212  341,098  317,809  3  11

Net income per common share – Diluted 3.37  3.30  2.78  2  21

Cash dividends declared per common share 0.55  0.55  0.50  —  10

Net revenue (3)

757,877  738,635  697,837  3  9

Net interest income 621,604  597,366  567,010  4  10

Net interest margin 3.49  % 3.50  % 3.48  % (1) bps 1  bps

Net interest margin – fully taxable-equivalent (non-GAAP)(2)

3.51  3.52  3.50  (1) 1

Net overhead ratio (4)

1.44  1.42  1.45  2  (1)

Return on average assets 1.27  1.30  1.26  (3) 1

Return on average common equity 12.83  12.82  11.58  1  125

Return on average tangible common equity (non-GAAP) (2)

14.89  14.91  13.74  (2) 115

At end of period

Total assets $ 75,971,620 $ 74,668,135 $ 69,629,638 7  %  9  %

Total loans (5)

56,804,571 55,654,947 52,063,482 8  9

Total deposits 62,435,216 61,141,275 56,711,381 8  10

Total shareholders’ equity 7,289,546 7,525,116 7,045,757 (12) 3

(1)Period-end balance sheet percentage changes are annualized.

(2)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

(3)Net revenue is net interest income plus non-interest income.

(4)The net overhead ratio is calculated by netting total non-interest expense and total non-interest income, annualizing this amount, and dividing by that period’s average total assets. A lower ratio indicates a higher degree of efficiency.

(5)Excludes mortgage loans held-for-sale.

Certain returns, yields, performance ratios, or quarterly growth rates are “annualized” in this presentation to represent an annual time period. This is done for analytical purposes to better discern, for decision-making purposes, underlying performance trends when compared to full-year or year-over-year amounts. For example, a 5% growth rate for a quarter would represent an annualized 20% growth rate.

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WINTRUST FINANCIAL CORPORATION

Selected Financial Highlights

Three Months Ended Nine Months Ended

(Dollars in thousands, except per share data) Sep 30, 2026 Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025 Sep 30, 2026 Sep 30, 2025

Selected Financial Condition Data (at end of period):

Total assets $ 75,971,620 $ 74,668,135 $ 72,157,433 $ 71,142,046 $ 69,629,638

Total loans (1)

56,804,571 55,654,947 54,071,292 53,105,101 52,063,482

Total deposits 62,435,216 61,141,275 58,914,382 57,717,191 56,711,381

Total shareholders’ equity 7,289,546 7,525,116 7,378,100 7,258,715 7,045,757

Selected Statements of Income Data:

Net interest income $ 621,604  $ 597,366  $ 579,024  $ 583,874  $ 567,010  $ 1,797,994  $ 1,640,178

Net revenue (2)

757,877  738,635  713,166  714,264  697,837  2,209,678  2,011,728

Net income 239,054  233,693  227,388  223,024  216,254  700,135  600,820

Pre-tax income, excluding provision for credit losses (non-GAAP) (3)

352,212  341,098  330,534  329,811  317,809  1,023,844  884,149

Net income per common share – Basic 3.42  3.34  3.26  3.21  2.82  10.02  8.37

Net income per common share – Diluted 3.37  3.30  3.22  3.15  2.78  9.89  8.25

Cash dividends declared per common share 0.55  0.55  0.55  0.50  0.50  1.65  1.50

Selected Financial Ratios and Other Data:

Performance Ratios:

Net interest margin 3.49  % 3.50  % 3.54  % 3.52  % 3.48  % 3.51  % 3.51  %

Net interest margin – fully taxable-equivalent (non-GAAP) (3)

3.51  3.52  3.56  3.54  3.50  3.53  3.53

Non-interest income to average assets 0.73  0.79  0.78  0.74  0.76  0.76  0.75

Non-interest expense to average assets 2.16  2.21  2.21  2.19  2.21  2.19  2.28

Net overhead ratio (4)

1.44  1.42  1.44  1.45  1.45  1.43  1.53

Return on average assets 1.27  1.30  1.32  1.27  1.26  1.30  1.22

Return on average common equity 12.83  12.82  12.76  12.63  11.58  12.80  11.94

Return on average tangible common equity (non-GAAP) (3)

14.89  14.91  14.89  14.83  13.74  14.89  14.28

Average total assets $ 74,400,171  $ 72,161,723  $ 70,089,123  $ 69,492,268  $ 68,303,036  $ 72,232,797  $ 66,098,845

Average total shareholders’ equity 7,558,263  7,474,449  7,387,713  7,166,608  6,955,543  7,474,100  6,761,319

Average loans to average deposits ratio 91.8  % 92.6  % 93.1  % 92.4  % 92.5  % 92.5  % 92.6  %

Period-end loans to deposits ratio 91.0  91.0  91.8  92.0  91.8

Common Share Data at end of period:

Market price per common share $ 141.82  $ 160.72  $ 138.94  $ 139.82  $ 132.44

Book value per common share 101.74  105.26  103.10  102.03  98.87

Tangible book value per common share (non-GAAP) (3)

88.18  92.13  89.90  88.66  85.39

Common shares outstanding 67,472,459 67,455,414 67,437,300 66,974,913 66,961,209

Other Data at end of period:

Common equity to assets ratio 9.0  % 9.5  % 9.6  % 9.6  % 9.5  %

Tangible common equity ratio (non-GAAP) (3)

7.9  8.4  8.5  8.5  8.3

Tier 1 leverage ratio (5)

9.8  9.8  9.8  9.6  9.5

Risk-based capital ratios:

Tier 1 capital ratio (5)

11.2  11.1  11.1  11.0  10.9

Common equity tier 1 capital ratio (5)

10.5  10.4  10.4  10.3  10.2

Total capital ratio (5)

12.5  12.4  12.6  12.4  12.4

Allowance for credit losses (6)

$ 486,053  $ 481,189  $ 471,591  $ 460,465  $ 454,586

Allowance for loan and unfunded lending-related commitment losses to total loans 0.86  % 0.86  % 0.87  % 0.87  % 0.87  %

Number of:

Bank subsidiaries 16  16  16  16  16

Banking offices 211  210  209  209  208

(1)Excludes mortgage loans held-for-sale.

(2)Net revenue is net interest income plus non-interest income.

(3)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

(4)The net overhead ratio is calculated by netting total non-interest expense and total non-interest income, annualizing this amount, and dividing by that period’s average total assets. A lower ratio indicates a higher degree of efficiency.

(5)Capital ratios for current quarter-end are estimated.

(6)The allowance for credit losses includes the allowance for loan losses, the allowance for unfunded lending-related commitments and the allowance for held-to-maturity securities losses.

12

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF CONDITION

(Unaudited) (Unaudited) (Unaudited) (Unaudited)

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(In thousands) 2026 2026 2026 2025 2025

Assets

Cash and due from banks $ 635,592  $ 595,790  $ 543,654  $ 467,874  $ 565,406

Federal funds sold and securities purchased under resale agreements 65  65  65  64  63

Interest-bearing deposits with banks 3,557,687  3,573,915  3,051,665  3,180,553  3,422,452

Available-for-sale securities, at fair value 7,569,498  7,587,545  7,244,282  6,236,263  5,274,124

Held-to-maturity securities, at amortized cost 3,120,503  3,196,452  3,270,207  3,343,905  3,438,406

Equity securities with readily determinable fair value 64,811  65,815  63,786  63,770  63,445

Federal Home Loan Bank and Federal Reserve Bank stock 296,171  294,629  292,044  291,881  282,755

Mortgage loans held-for-sale, at fair value 307,748  407,495  383,405  340,745  333,883

Loans, net of unearned income 56,804,571  55,654,947  54,071,292  53,105,101  52,063,482

Allowance for loan losses (401,729) (402,952) (390,651) (379,283) (386,622)

Net loans 56,402,842  55,251,995  53,680,641  52,725,818  51,676,860

Premises, software and equipment, net 792,205  778,958  777,603  781,611  775,425

Lease investments, net 363,243  363,664  362,766  360,646  301,000

Accrued interest receivable and other assets 1,946,561  1,666,474  1,596,617  1,617,682  1,614,674

Receivable on unsettled securities sales —  —  —  835,275  978,209

Goodwill 804,661  797,219  797,658  797,960  797,639

Other acquisition-related intangible assets 110,033  88,119  93,040  97,999  105,297

Total assets $ 75,971,620  $ 74,668,135  $ 72,157,433  $ 71,142,046  $ 69,629,638

Liabilities and Shareholders’ Equity

Deposits:

Non-interest-bearing $ 11,584,695  $ 11,796,736  $ 12,112,891  $ 11,423,701  $ 10,952,146

Interest-bearing 50,850,521  49,344,539  46,801,491  46,293,490  45,759,235

Total deposits 62,435,216  61,141,275  58,914,382  57,717,191  56,711,381

Federal Home Loan Bank advances 3,450,680  3,450,680  3,451,309  3,451,309  3,151,309

Other borrowings 355,554  370,736  340,647  477,966  579,328

Subordinated notes 298,903  298,820  298,717  298,636  298,536

Junior subordinated debentures 253,566  253,566  253,566  253,566  253,566

Accrued interest payable and other liabilities 1,888,155  1,627,942  1,520,712  1,684,663  1,589,761

Total liabilities 68,682,074  67,143,019  64,779,333  63,883,331  62,583,881

Shareholders’ Equity:

Preferred stock 425,000  425,000  425,000  425,000  425,000

Common stock 67,599  67,581  67,563  67,062  67,042

Surplus 2,574,253  2,560,427  2,546,754  2,534,024  2,521,306

Treasury stock (14,897) (14,882) (13,970) (9,156) (9,150)

Retained earnings 5,101,367  4,907,788  4,719,561  4,537,539  4,356,367

Accumulated other comprehensive loss (863,776) (420,798) (366,808) (295,754) (314,808)

Total shareholders’ equity 7,289,546  7,525,116  7,378,100  7,258,715  7,045,757

Total liabilities and shareholders’ equity $ 75,971,620  $ 74,668,135  $ 72,157,433  $ 71,142,046  $ 69,629,638

13

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

Three Months Ended Nine Months Ended

(Dollars in thousands, except per share data) Sep 30,

2026 Jun 30,

2026 Mar 31,

2026 Dec 31,

2025 Sep 30,

2025 Sep 30, 2026 Sep 30, 2025

Interest income

Interest and fees on loans $ 853,299  $ 822,981  $ 797,889  $ 822,494  $ 832,140  $ 2,474,169  $ 2,398,499

Mortgage loans held-for-sale 5,761  6,169  4,615  5,607  4,757  16,545  13,875

Interest-bearing deposits with banks 25,595  20,916  19,150  27,190  34,992  65,661  106,075

Federal funds sold and securities purchased under resale agreements 1  5  64  77  75  70  530

Investment securities 112,273  105,716  100,278  95,461  86,426  318,267  236,495

Trading account securities —  —  —  —  —  —  11

Federal Home Loan Bank and Federal Reserve Bank stock 5,932  5,625  5,564  5,497  5,444  17,121  16,144

Brokerage customer receivables —  —  —  —  —  —  78

Total interest income 1,002,861  961,412  927,560  956,326  963,834  2,891,833  2,771,707

Interest expense

Interest on deposits 341,017  325,033  309,187  332,178  355,846  975,237  1,009,549

Interest on Federal Home Loan Bank advances 29,086  28,218  27,701  26,408  26,007  85,005  77,172

Interest on other borrowings 3,430  3,121  4,026  5,956  6,887  10,577  20,636

Interest on subordinated notes 3,721  3,739  3,719  3,737  3,717  11,179  11,166

Interest on junior subordinated debentures 4,003  3,935  3,903  4,173  4,367  11,841  13,006

Total interest expense 381,257  364,046  348,536  372,452  396,824  1,093,839  1,131,529

Net interest income 621,604  597,366  579,024  583,874  567,010  1,797,994  1,640,178

Provision for credit losses 25,879  23,134  29,594  27,588  21,768  78,607  67,965

Net interest income after provision for credit losses 595,725  574,232  549,430  556,286  545,242  1,719,387  1,572,213

Non-interest income

Wealth management 40,967  39,883  42,059  39,365  37,188  122,909  108,051

Mortgage banking 25,532  27,438  23,396  22,625  24,451  76,366  68,150

Service charges on deposit accounts 22,161  21,240  20,970  20,402  19,825  64,371  58,689

(Losses) gains on investment securities, net (1,621) 1,845  (31) 1,505  2,972  193  6,818

Fees from covered call options 4,585  4,793  4,669  5,992  5,619  14,047  14,689

Trading gains (losses), net 48  70  10  (257) 172  128  259

Operating lease income, net 18,447  18,804  19,154  16,365  15,466  56,405  45,919

Other 26,154  27,196  23,915  24,393  25,134  77,265  68,975

Total non-interest income 136,273  141,269  134,142  130,390  130,827  411,684  371,550

Non-interest expense

Salaries and employee benefits 230,552  234,089  228,447  222,557  219,668  693,088  650,735

Software and equipment 39,179  39,288  35,654  36,096  35,027  114,121  106,266

Operating lease equipment 11,661  11,187  10,987  11,034  10,409  33,835  31,637

Occupancy, net 19,548  21,153  20,566  20,105  20,809  61,267  61,815

Data processing 11,218  10,659  11,266  11,809  11,329  33,143  34,713

Advertising and marketing 21,806  20,432  13,218  13,792  19,027  55,456  50,060

Professional fees 10,687  9,342  7,375  8,280  7,465  27,404  25,752

Amortization of other acquisition-related intangible assets 4,686  4,921  4,958  4,999  5,196  14,565  16,394

FDIC insurance 12,138  6,640  10,990  10,562  11,418  29,768  33,315

Other real estate owned (“OREO”) expenses, net 282  786  207  2,162  262  1,275  1,410

Other 43,908  39,040  38,964  43,057  39,418  121,912  115,482

Total non-interest expense 405,665  397,537  382,632  384,453  380,028  1,185,834  1,127,579

Income before taxes 326,333  317,964  300,940  302,223  296,041  945,237  816,184

Income tax expense 87,279  84,271  73,552  79,199  79,787  245,102  215,364

Net income $ 239,054  $ 233,693  $ 227,388  $ 223,024  $ 216,254  $ 700,135  $ 600,820

Preferred stock dividends 8,367  8,367  8,367  8,367  13,295  25,101  27,277

Preferred stock redemption —  —  —  —  14,046  —  14,046

Net income applicable to common shares $ 230,687  $ 225,326  $ 219,021  $ 214,657  $ 188,913  $ 675,034  $ 559,497

Net income per common share - Basic $ 3.42  $ 3.34  $ 3.26  $ 3.21  $ 2.82  $ 10.02  $ 8.37

Net income per common share - Diluted $ 3.37  $ 3.30  $ 3.22  $ 3.15  $ 2.78  $ 9.89  $ 8.25

Cash dividends declared per common share $ 0.55  $ 0.55  $ 0.55  $ 0.50  $ 0.50  $ 1.65  $ 1.50

Weighted average common shares outstanding 67,467 67,434 67,246 66,970 66,952 67,383 66,871

Dilutive potential common shares 911  852  851  1,143  1,028  876  945

Average common shares and dilutive common shares 68,378  68,286  68,097  68,113  67,980  68,259  67,816

14

TABLE 1: LOAN PORTFOLIO MIX AND GROWTH RATES

% Growth From (1)

(Dollars in thousands) Sep 30, 2026 Jun 30, 2026 Mar 31, 2026 Dec 31,

2025 Sep 30, 2025

Jun 30, 2026 (2)

Sep 30, 2025

Balance:

Mortgage loans held-for-sale, excluding early buy-out exercised loans guaranteed by U.S. government agencies $ 173,773  $ 265,203  $ 249,350  $ 217,136  $ 211,360  NM (18) %

Mortgage loans held-for-sale, early buy-out exercised loans guaranteed by U.S. government agencies 133,975  142,292  134,055  123,609  122,523  (23) 9

Total mortgage loans held-for-sale $ 307,748  $ 407,495  $ 383,405  $ 340,745  $ 333,883  (97) % (8) %

Core loans:

Commercial

Commercial and industrial $ 8,051,117  $ 7,802,625  $ 7,620,239  $ 7,267,505  $ 7,135,083  13  % 13  %

Asset-based lending 1,662,239  1,628,319  1,558,089  1,512,888  1,588,522  8  5

Municipal 858,207  866,012  839,633  868,958  804,986  (4) 7

Leases 3,132,875  3,114,901  3,002,014  2,921,366  2,834,563  2  11

Commercial real estate

Residential construction 51,454  52,590  53,097  54,753  60,923  (9) (16)

Commercial construction 2,300,349  2,294,566  1,959,375  2,013,244  2,273,545  1  1

Land 327,086  308,509  311,470  341,585  323,685  24  1

Office 1,659,530  1,607,275  1,652,482  1,688,614  1,578,208  13  5

Industrial 3,590,562  3,405,641  3,323,977  3,167,768  2,912,547  22  23

Retail 1,510,533  1,475,949  1,469,658  1,436,252  1,478,861  9  2

Multi-family 3,516,050  3,299,607  3,565,419  3,445,507  3,306,597  26  6

Mixed use and other 2,005,047  1,826,470  1,826,808  1,793,013  1,684,841  39  19

Home equity 507,831  491,782  471,264  480,525  484,202  13  5

Residential real estate

Residential real estate loans for investment 4,552,877  4,411,357  4,319,941  4,171,439  4,019,046  13  13

Residential mortgage loans, early buy-out eligible loans guaranteed by U.S. government agencies 86,626  76,334  83,036  84,706  75,088  53  15

Residential mortgage loans, early buy-out exercised loans guaranteed by U.S. government agencies 56,512  55,001  62,189  61,087  49,736  11 14

Total core loans $ 33,868,895  $ 32,716,938  $ 32,118,691  $ 31,309,210  $ 30,610,433  14  % 11  %

Niche loans:

Commercial

Franchise $ 1,256,013  $ 1,300,935  $ 1,293,639  $ 1,298,493  $ 1,298,140  (14) % (3) %

Mortgage warehouse lines of credit 1,749,346  1,897,762  1,800,972  1,515,003  1,204,661  (31) 45

Community Advantage - homeowners association 517,408  516,782  526,274  532,027  537,696  0  (4)

Insurance entity lending 1,114,560  1,153,975  1,122,361  1,128,446  1,140,691  (14) (2)

Premium Finance receivables

U.S. property & casualty insurance 7,805,981  7,744,361  7,127,234  7,308,054  7,502,901  3  4

Canada property & casualty insurance 818,341  867,662  763,097  875,362  863,391  (23) (5)

Life insurance 9,538,863  9,312,521  9,196,382  9,023,642  8,758,553  10  9

Consumer and other 135,164  144,011  122,642  114,864  147,016  (24) (8)

Total niche loans $ 22,935,676  $ 22,938,009  $ 21,952,601  $ 21,795,891  $ 21,453,049  (0) % 7  %

Total loans, net of unearned income $ 56,804,571  $ 55,654,947  $ 54,071,292  $ 53,105,101  $ 52,063,482  8  % 9  %

(1)NM - Not Meaningful.

(2)Annualized.

15

TABLE 2: DEPOSIT PORTFOLIO MIX AND GROWTH RATES

% Growth From

(Dollars in thousands) Sep 30,

2026 Jun 30,

2026 Mar 31,

2026 Dec 31,

2025 Sep 30,

2025

Jun 30,

2026 (1)

Sep 30, 2025

Balance:

Non-interest-bearing $ 11,584,695 $ 11,796,736 $ 12,112,891 $ 11,423,701 $ 10,952,146 (7) % 6  %

NOW and interest-bearing demand deposits 7,253,456 6,742,269 5,987,258 6,233,753 6,710,919 30  8

Wealth management deposits (2)

1,690,496 1,349,949 1,670,620 1,907,647 1,600,735 100  6

Money market 24,174,275 23,083,225 21,714,267 21,368,924 20,270,382 19  19

Savings 6,487,247 6,597,516 6,942,565 6,905,216 6,758,743 (7) (4)

Time certificates of deposit 11,245,047 11,571,580 10,486,781 9,877,950 10,418,456 (11) 8

Total deposits $ 62,435,216 $ 61,141,275 $ 58,914,382 $ 57,717,191 $ 56,711,381 8  % 10  %

Mix:

Non-interest-bearing 19  % 19  % 20  % 20  % 19  %

NOW and interest-bearing demand deposits 11  11  10  11  12

Wealth management deposits (2)

3  2  3  3  3

Money market 39  38  37  37  36

Savings 10  11  12  12  12

Time certificates of deposit 18  19  18  17  18

Total deposits 100  % 100  % 100  % 100  % 100  %

(1)Annualized.

(2)Represents deposit balances of the Company’s subsidiary banks from brokerage customers of Wintrust Investments, Chicago Deferred Exchange Company, LLC (“CDEC”), and trust and asset management customers of the Company.

TABLE 3: TIME CERTIFICATES OF DEPOSIT MATURITY/RE-PRICING ANALYSIS

As of September 30, 2026

(Dollars in thousands) Total Time

Certificates of

Deposit Weighted-Average

Rate of Maturing

Time Certificates

of Deposit

1-3 months $ 3,527,388  3.47  %

4-6 months 2,538,063  3.35

7-9 months 1,526,406  3.33

10-12 months 2,547,872  3.81

13-18 months 956,359  3.59

19-24 months 79,951  2.90

24+ months 69,008  2.51

Total $ 11,245,047  3.50  %

16

TABLE 4: QUARTERLY AVERAGE BALANCES

Average Balance for three months ended,

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(In thousands) 2026 2026 2026 2025 2025

Interest-bearing deposits with banks, securities purchased under resale agreements and cash equivalents (1)

$ 2,853,369  $ 2,412,081  $ 2,247,083  $ 2,842,829  $ 3,276,683

Investment securities (2)

11,073,179  10,832,538  10,616,617  10,084,138  9,377,930

FHLB and FRB stock (3)

294,088  292,325  291,972  284,643  282,338

Liquidity management assets (4)

$ 14,220,636  $ 13,536,944  $ 13,155,672  $ 13,211,610  $ 12,936,951

Mortgage loans held-for-sale 362,329  402,175  317,047  357,672  295,365

Loans, net of unearned income (4) (5)

55,982,688  54,491,469  52,845,685  52,193,637  51,403,566

Total earning assets (4)

$ 70,565,653  $ 68,430,588  $ 66,318,404  $ 65,762,919  $ 64,635,882

Allowance for loan and investment security losses (413,132) (405,743) (391,810) (404,075) (410,681)

Cash and due from banks 539,220  519,586  534,189  517,616  495,292

Other assets 3,708,430  3,617,292  3,628,340  3,615,808  3,582,543

Total assets

$ 74,400,171  $ 72,161,723  $ 70,089,123  $ 69,492,268  $ 68,303,036

NOW and interest-bearing demand deposits $ 7,283,497  $ 6,453,420  $ 6,081,218  $ 6,133,333  $ 6,687,292

Wealth management deposits 1,566,292  1,485,347  1,858,560  1,925,808  1,604,142

Money market accounts 22,860,299  22,000,942  21,156,125  20,475,659  19,431,021

Savings accounts 6,570,130  6,707,916  6,921,251  6,814,263  6,723,325

Time deposits 11,256,456  10,938,312  9,782,112  10,045,136  10,319,719

Interest-bearing deposits $ 49,536,674  $ 47,585,937  $ 45,799,266  $ 45,394,199  $ 44,765,499

FHLB advances (3)

3,450,683  3,450,773  3,451,312  3,203,483  3,151,310

Other borrowings 393,031  358,511  442,200  547,507  614,892

Subordinated notes 298,844  298,757  298,661  298,576  298,481

Junior subordinated debentures 253,566  253,566  253,566  253,566  253,566

Total interest-bearing liabilities

$ 53,932,798  $ 51,947,544  $ 50,245,005  $ 49,697,331  $ 49,083,748

Non-interest-bearing deposits 11,417,869  11,273,344  10,963,887  11,080,254  10,791,709

Other liabilities 1,491,241  1,466,386  1,492,518  1,548,075  1,472,036

Equity 7,558,263  7,474,449  7,387,713  7,166,608  6,955,543

Total liabilities and shareholders’ equity

$ 74,400,171  $ 72,161,723  $ 70,089,123  $ 69,492,268  $ 68,303,036

Net free funds/contribution (6)

$ 16,632,855  $ 16,483,044  $ 16,073,399  $ 16,065,588  $ 15,552,134

(1)Includes interest-bearing deposits from banks and securities purchased under resale agreements with original maturities of greater than three months. Cash equivalents include federal funds sold and securities purchased under resale agreements with original maturities of three months or less.

(2)Investment securities includes investment securities classified as available-for-sale and held-to-maturity, and equity securities with readily determinable fair values. Equity securities without readily determinable fair values are included within other assets.

(3)Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”)

(4)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

(5)Loans, net of unearned income, include non-accrual loans.

(6)Net free funds are the difference between total average earning assets and total average interest-bearing liabilities. The estimated contribution to net interest margin from net free funds is calculated using the rate paid for total interest-bearing liabilities.

17

TABLE 5: QUARTERLY NET INTEREST INCOME

Net Interest Income for three months ended,

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(In thousands) 2026 2026 2026 2025 2025

Interest income:

Interest-bearing deposits with banks, securities purchased under resale agreements and cash equivalents $ 25,595  $ 20,921  $ 19,214  $ 27,267  $ 35,067

Investment securities 112,884  106,346  100,864  96,122  87,101

FHLB and FRB stock (1)

5,932  5,625  5,564  5,497  5,444

Liquidity management assets (2)

$ 144,411  $ 132,892  $ 125,642  $ 128,886  $ 127,612

Mortgage loans held-for-sale 5,761  6,169  4,615  5,607  4,757

Loans, net of unearned income (2)

855,450  825,092  799,915  824,628  834,294

Total interest income $ 1,005,622  $ 964,153  $ 930,172  $ 959,121  $ 966,663

Interest expense:

NOW and interest-bearing demand deposits $ 37,394  $ 32,318  $ 29,666  $ 31,681  $ 40,448

Wealth management deposits 6,895  6,823  8,941  10,011  8,415

Money market accounts 174,404  165,035  155,299  163,585  169,831

Savings accounts 23,197  25,729  30,672  34,371  38,844

Time deposits 99,127  95,128  84,609  92,530  98,308

Interest-bearing deposits $ 341,017  $ 325,033  $ 309,187  $ 332,178  $ 355,846

FHLB advances (1)

29,086  28,218  27,701  26,408  26,007

Other borrowings 3,430  3,121  4,026  5,956  6,887

Subordinated notes 3,721  3,739  3,719  3,737  3,717

Junior subordinated debentures 4,003  3,935  3,903  4,173  4,367

Total interest expense $ 381,257  $ 364,046  $ 348,536  $ 372,452  $ 396,824

Less: Fully taxable-equivalent adjustment (2,761) (2,741) (2,612) (2,795) (2,829)

Net interest income (GAAP) (3)

621,604  597,366  579,024  583,874  567,010

Fully taxable-equivalent adjustment 2,761  2,741  2,612  2,795  2,829

Net interest income, fully taxable-equivalent (non-GAAP) (3)

$ 624,365  $ 600,107  $ 581,636  $ 586,669  $ 569,839

(1)Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”)

(2)Interest income on tax-advantaged loans, trading securities and investment securities reflects a taxable-equivalent adjustment based on the marginal federal corporate tax rate in effect as of the applicable period.

(3)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

18

TABLE 6: QUARTERLY NET INTEREST MARGIN

Net Interest Margin for three months ended,

Sep 30, 2026 Jun 30, 2026 Mar 31,

2026 Dec 31, 2025 Sep 30,

2025

Yield earned on:

Interest-bearing deposits with banks, securities purchased under resale agreements and cash equivalents 3.56  % 3.48  % 3.47  % 3.81  % 4.25  %

Investment securities 4.04  3.94  3.85  3.78  3.68

FHLB and FRB stock (1)

8.00  7.72  7.73  7.66  7.65

Liquidity management assets 4.03  % 3.94  % 3.87  % 3.87  % 3.91  %

Mortgage loans held-for-sale 6.31  6.15  5.90  6.22  6.39

Loans, net of unearned income 6.06  6.07  6.14  6.27  6.44

Total earning assets 5.65  % 5.65  % 5.69  % 5.79  % 5.93  %

Rate paid on:

NOW and interest-bearing demand deposits 2.04  % 2.01  % 1.98  % 2.05  % 2.40  %

Wealth management deposits 1.75  1.84  1.95  2.06  2.08

Money market accounts 3.03  3.01  2.98  3.17  3.47

Savings accounts 1.40  1.54  1.80  2.00  2.29

Time deposits 3.49  3.49  3.51  3.65  3.78

Interest-bearing deposits 2.73  % 2.74  % 2.74  % 2.90  % 3.15  %

FHLB advances 3.34  3.28  3.26  3.27  3.27

Other borrowings 3.46  3.49  3.69  4.32  4.44

Subordinated notes 4.94  5.02  5.05  4.97  4.94

Junior subordinated debentures 6.26  6.22  6.24  6.53  6.83

Total interest-bearing liabilities 2.80  % 2.81  % 2.81  % 2.97  % 3.21  %

Interest rate spread (2) (3)

2.85  % 2.84  % 2.88  % 2.82  % 2.72  %

Less: Fully taxable-equivalent adjustment (0.02) (0.02) (0.02) (0.02) (0.02)

Net free funds/contribution (4)

0.66  0.68  0.68  0.72  0.78

Net interest margin (GAAP) (3)

3.49  % 3.50  % 3.54  % 3.52  % 3.48  %

Fully taxable-equivalent adjustment 0.02  0.02  0.02  0.02  0.02

Net interest margin, fully taxable-equivalent (non-GAAP) (3)

3.51  % 3.52  % 3.56  % 3.54  % 3.50  %

(1)Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”)

(2)Interest rate spread is the difference between the yield earned on earning assets and the rate paid on interest-bearing liabilities.

(3)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

(4)Net free funds are the difference between total average earning assets and total average interest-bearing liabilities. The estimated contribution to net interest margin from net free funds is calculated using the rate paid for total interest-bearing liabilities.

19

TABLE 7: YEAR-TO-DATE AVERAGE BALANCES, AND NET INTEREST INCOME AND MARGIN

Average Balance

for nine months ended,

Interest

for nine months ended,

Yield/Rate

for nine months ended,

(Dollars in thousands) Sep 30, 2026 Sep 30,

2025 Sep 30, 2026 Sep 30, 2025 Sep 30, 2026 Sep 30, 2025

Interest-bearing deposits with banks, securities purchased under resale agreements and cash equivalents (1)

$ 2,506,398  $ 3,367,419  $ 65,730  $ 106,605  3.51  % 4.23  %

Investment securities (2)

10,842,451  8,866,621  320,094  238,540  3.95  3.60

FHLB and FRB stock (3)

292,803  282,016  17,121  16,144  7.82  7.65

Liquidity management assets (4) (5)

$ 13,641,652  $ 12,516,056  $ 402,945  $ 361,289  3.95  % 3.86  %

Other earning assets (4) (5) (6)

—  4,332  —  92  —  2.84

Mortgage loans held-for-sale 360,683  297,568  16,545  13,875  6.13  6.23

Loans, net of unearned income (4) (5) (7)

54,451,438  49,597,938  2,480,457  2,405,059  6.09  6.48

Total earning assets (5)

$ 68,453,773  $ 62,415,894  $ 2,899,947  $ 2,780,315  5.66  % 5.96  %

Allowance for loan and investment security losses (403,640) (395,041)

Cash and due from banks 531,017  483,543

Other assets 3,651,647  3,594,449

Total assets

$ 72,232,797  $ 66,098,845

NOW and interest-bearing demand deposits $ 6,610,449  $ 6,387,859  $ 99,378  $ 111,565  2.01  % 2.34  %

Wealth management deposits 1,635,663  1,577,312  22,659  25,203  1.85  2.14

Money market accounts 22,012,031  18,405,748  494,738  472,095  3.01  3.43

Savings accounts 6,731,813  6,594,716  79,598  112,404  1.58  2.28

Time deposits 10,664,360  9,859,196  278,864  288,282  3.50  3.91

Interest-bearing deposits $ 47,654,316  $ 42,824,831  $ 975,237  $ 1,009,549  2.74  % 3.15  %

FHLB advances (3)

3,450,920  3,151,310  85,005  77,172  3.29  3.27

Other borrowings 397,733  597,016  10,577  20,636  3.56  4.62

Subordinated notes 298,755  298,396  11,179  11,166  5.00  5.00

Junior subordinated debentures 253,566  253,566  11,841  13,006  6.24  6.86

Total interest-bearing liabilities

$ 52,055,290  $ 47,125,119  $ 1,093,839  $ 1,131,529  2.81  % 3.21  %

Non-interest-bearing deposits 11,220,029  10,722,772

Other liabilities 1,483,378  1,489,635

Equity 7,474,100  6,761,319

Total liabilities and shareholders’ equity

$ 72,232,797  $ 66,098,845

Interest rate spread (5) (8)

2.85  % 2.75  %

Less: Fully taxable-equivalent adjustment (8,114) (8,608) (0.02) (0.02)

Net free funds/contribution (9)

$ 16,398,483  $ 15,290,775  0.68  0.78

Net interest income/margin (GAAP) (5)

$ 1,797,994  $ 1,640,178  3.51  % 3.51  %

Fully taxable-equivalent adjustment 8,114  8,608 0.02  0.02

Net interest income/margin, fully taxable-equivalent (non-GAAP) (5)

$ 1,806,108  $ 1,648,786  3.53  % 3.53  %

(1)Includes interest-bearing deposits from banks and securities purchased under resale agreements with original maturities of greater than three months. Cash equivalents include federal funds sold and securities purchased under resale agreements with original maturities of three months or less.

(2)Investment securities includes investment securities classified as available-for-sale and held-to-maturity, and equity securities with readily determinable fair values. Equity securities without readily determinable fair values are included within other assets.

(3)Federal Home Loan Bank (“FHLB”) and Federal Reserve Bank (“FRB”)

(4)Interest income on tax-advantaged loans, trading securities and investment securities reflects a taxable-equivalent adjustment based on the marginal federal corporate tax rate in effect as of the applicable period.

(5)See Table 18: Supplemental Non-GAAP Financial Measures/Ratios for additional information on this performance measure/ratio.

(6)Other earning assets include brokerage customer receivables and trading account securities.

(7)Loans, net of unearned income, include non-accrual loans.

(8)Interest rate spread is the difference between the yield earned on earning assets and the rate paid on interest-bearing liabilities.

(9)Net free funds are the difference between total average earning assets and total average interest-bearing liabilities. The estimated contribution to net interest margin from net free funds is calculated using the rate paid for total interest-bearing liabilities.

20

TABLE 8: INTEREST RATE SENSITIVITY

As an ongoing part of its financial strategy, the Company attempts to manage the impact of fluctuations in market interest rates on net interest income. Management measures its exposure to changes in interest rates by modeling many different interest rate scenarios.

The following interest rate scenarios display the percentage change in net interest income over a one-year time horizon assuming increases and decreases of 100 and 200 basis points as compared to projected net interest income in a scenario with no assumed rate changes. The Static Shock Scenario results incorporate actual cash flows and repricing characteristics for balance sheet instruments following an instantaneous, parallel change in market rates based upon a static (i.e. no growth or constant) balance sheet. Conversely, the Ramp Scenario results incorporate management’s projections of future volume and pricing of each of the product lines following a gradual, parallel change in market rates over twelve months. Actual results may differ from these simulated results due to timing, magnitude, and frequency of interest rate changes as well as changes in market conditions and management strategies. The interest rate sensitivity for both the Static Shock and Ramp Scenario is as follows:

Static Shock Scenario +200 Basis Points +100 Basis Points -100 Basis Points -200 Basis Points

Sep 30, 2026 (2.9) % (1.6) % 0.3  % 0.1  %

Jun 30, 2026 (2.4) (1.1) (0.1) (0.1)

Mar 31, 2026 (0.8) (0.1) (1.0) (1.9)

Dec 31, 2025 (1.6) (0.5) (0.5) (0.8)

Sep 30, 2025 (2.3) (0.8) 0.0  (0.4)

Ramp Scenario +200 Basis Points +100 Basis Points -100 Basis Points -200 Basis Points

Sep 30, 2026 (2.2) % (1.3) % 0.5  % 1.2  %

Jun 30, 2026 (0.2) (0.1) (0.2) (0.4)

Mar 31, 2026 (0.1) 0.0  (0.1) (0.3)

Dec 31, 2025 (0.0) 0.1  (0.1) (0.2)

Sep 30, 2025 (0.2) (0.1) 0.1  (0.1)

As shown above, the magnitude of potential changes in net interest income in various interest rate scenarios has continued to remain relatively neutral. Management has taken action to reposition its sensitivity to interest rates to stabilize net interest margin following the rise in short term interest rates in 2022 and 2023. To this end, management has executed various derivative instruments including collars, floors and receive-fixed swaps to hedge variable-rate loan exposures. The Company will continue to monitor current and projected interest rates and may execute additional derivatives to mitigate potential fluctuations in the net interest margin in future periods.

21

TABLE 9: MATURITIES AND SENSITIVITIES TO CHANGES IN INTEREST RATES

Loans repricing or contractual maturity period

As of September 30, 2026 One year or

less From one to

five years From five to fifteen years After fifteen years Total

(In thousands)

Commercial

Fixed rate $ 668,421  $ 4,220,622  $ 2,267,646  $ 23,498  $ 7,180,187

Variable rate 11,157,780  3,798  —  —  11,161,578

Total commercial $ 11,826,201  $ 4,224,420  $ 2,267,646  $ 23,498  $ 18,341,765

Commercial real estate

Fixed rate $ 946,605  $ 2,696,894  $ 343,419  $ 68,813  $ 4,055,731

Variable rate 10,898,800  6,017  63  —  10,904,880

Total commercial real estate $ 11,845,405  $ 2,702,911  $ 343,482  $ 68,813  $ 14,960,611

Home equity

Fixed rate $ 8,731  $ 1,266  $ 23  $ 4  $ 10,024

Variable rate 497,807  —  —  —  497,807

Total home equity $ 506,538  $ 1,266  $ 23  $ 4  $ 507,831

Residential real estate

Fixed rate $ 17,516  $ 6,349  $ 61,821  $ 1,047,240  $ 1,132,926

Variable rate 153,365  870,687  2,539,037  —  3,563,089

Total residential real estate $ 170,881  $ 877,036  $ 2,600,858  $ 1,047,240  $ 4,696,015

Premium finance receivables - property & casualty

Fixed rate $ 8,466,546  $ 157,776  $ —  $ —  $ 8,624,322

Variable rate —  —  —  —  —

Total premium finance receivables - property & casualty $ 8,466,546  $ 157,776  $ —  $ —  $ 8,624,322

Premium finance receivables - life insurance

Fixed rate $ 13,006  $ 35,884  $ —  $ —  $ 48,890

Variable rate 9,489,973  —  —  —  9,489,973

Total premium finance receivables - life insurance $ 9,502,979  $ 35,884  $ —  $ —  $ 9,538,863

Consumer and other

Fixed rate $ 32,133  $ 7,772  $ 968  $ 836  $ 41,709

Variable rate 93,455  —  —  —  93,455

Total consumer and other $ 125,588  $ 7,772  $ 968  $ 836  $ 135,164

Total per category

Fixed rate $ 10,152,958  $ 7,126,563  $ 2,673,877  $ 1,140,391  $ 21,093,789

Variable rate 32,291,180  880,502  2,539,100  —  35,710,782

Total loans, net of unearned income $ 42,444,138  $ 8,007,065  $ 5,212,977  $ 1,140,391  $ 56,804,571

Less: Existing cash flow hedging derivatives (1)

(6,650,000)

Total loans repricing or maturing in one year or less, adjusted for cash flow hedging activity $ 35,794,138

Variable Rate Loan Pricing by Index:

SOFR tenors (2)

$ 23,556,092

12- month CMT (3)

8,442,458

Prime 2,980,955

Fed Funds 502,961

Other U.S. Treasury tenors 125,663

Other 102,653

Total variable rate $ 35,710,782

(1)Excludes cash flow hedges with future effective starting dates and those that have matured as of September 30, 2026. The $6.65 billion of cash flow hedging derivatives includes receive fixed swaps, collars and floors of which $5.70 billion were impacting the cash flows of loans indexed to one-month SOFR as of September 30, 2026.

(2)SOFR - Secured Overnight Financing Rate.

(3)CMT - Constant Maturity Treasury Rate.

22

9/30/2025 10/31/2025 11/30/2025 12/31/2025 1/31/2026 2/28/2026 3/31/2026 4/30/2026 5/31/2026 6/30/2026 7/31/2026 8/31/2026 9/30/2026

1M SOFR 4.13 4.00 3.86 3.69 3.67 3.67 3.66 3.65 3.62 3.65 3.66 3.71 3.91

12M CMT 3.68 3.70 3.61 3.48 3.48 3.48 3.68 3.72 3.79 3.98 4.08 4.16 4.54

Prime 7.25 7.00 7.00 6.75 6.75 6.75 6.75 6.75 6.75 6.75 6.75 6.75 7.00

Source: Bloomberg

As noted in the table on the previous page, the majority of the Company’s portfolio is tied to SOFR and CMT indices which, as shown in the table above, do not mirror the same changes as the Prime rate, which has historically moved when the Federal Reserve raises or lowers interest rates. Specifically, the Company has variable rate loans of $20.9 billion tied to one-month SOFR and $8.4 billion tied to twelve-month CMT. The above chart shows:

Basis Point (bp) Change in

1-month

SOFR 12- month CMT Prime

Third Quarter 2026 26  bps 56 bps 25 bps

Second Quarter 2026 (1) 30  —

First Quarter 2026 (3) 20 —

Fourth Quarter 2025 (44) (20) (50)

Third Quarter 2025 (19) (28) (25)

23

TABLE 10: ALLOWANCE FOR CREDIT LOSSES

Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(Dollars in thousands) 2026 2026 2026 2025 2025 2026 2025

Allowance for credit losses at beginning of period $ 481,189  $ 471,591  $ 460,465  $ 454,586  $ 457,461  $ 460,465  $ 437,060

Provision for credit losses 25,879  23,134  29,594  27,588  21,768  78,607  67,965

Other adjustments (18) (90) (50) 71  (88) (158) 96

Charge-offs:

Commercial 19,075  10,837  8,428  12,894  21,597  38,340  37,467

Commercial real estate 414  707  7,260  5,625  144  8,381  6,309

Home equity —  —  —  —  27  —  138

Residential real estate 107  163  350  —  26  620  26

Premium finance receivables - property & casualty 7,361  5,403  7,431  8,354  6,860  20,195  20,320

Premium finance receivables - life insurance —  —  —  —  18  —  30

Consumer and other 217  172  180  203  174  569  500

Total charge-offs 27,174  17,282  23,649  27,076  28,846  68,105  64,790

Recoveries:

Commercial 1,577  1,710  1,419  956  1,449  4,706  4,124

Commercial real estate 2,103  5  6  4  241  2,114  263

Home equity 12  16  303  28  104  331  350

Residential real estate 24  1  1  1  1  26  139

Premium finance receivables - property & casualty 2,435  2,076  3,437  4,275  2,459  7,948  9,281

Premium finance receivables - life insurance —  —  —  —  —  —  —

Consumer and other 26  28  65  32  37  119  98

Total recoveries 6,177  3,836  5,231  5,296  4,291  15,244  14,255

Net charge-offs (20,997) (13,446) (18,418) (21,780) (24,555) (52,861) (50,535)

Allowance for credit losses at period end $ 486,053  $ 481,189  $ 471,591  $ 460,465  $ 454,586  $ 486,053  $ 454,586

Annualized net charge-offs (recoveries) by category as a percentage of its own respective category’s average:

Commercial 0.39  % 0.20  % 0.17  % 0.29  % 0.49  % 0.26  % 0.28  %

Commercial real estate (0.05) 0.02  0.21  0.16  (0.00) 0.06  0.06

Home equity (0.01) (0.01) (0.26) (0.02) (0.06) (0.09) (0.06)

Residential real estate 0.01  0.01  0.03  (0.00) 0.00  0.02  (0.00)

Premium finance receivables - property & casualty 0.22  0.16  0.20  0.20  0.20  0.20  0.19

Premium finance receivables - life insurance —  —  —  —  0.00  —  0.00

Consumer and other 0.41  0.42  0.35  0.47  0.40  0.39  0.43

Total loans, net of unearned income 0.15  % 0.10  % 0.14  % 0.17  % 0.19  % 0.13  % 0.14  %

Loans at period end $ 56,804,571  $ 55,654,947  $ 54,071,292  $ 53,105,101  $ 52,063,482

Allowance for loan losses as a percentage of loans at period end 0.71  % 0.72  % 0.72  % 0.71  % 0.74  %

Allowance for loan and unfunded lending-related commitment losses as a percentage of loans at period end 0.86  0.86  0.87  0.87  0.87

24

TABLE 11: ALLOWANCE AND PROVISION FOR CREDIT LOSSES BY COMPONENT

Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(In thousands) 2026 2026 2026 2025 2025 2026 2025

Provision for loan losses - Other $ 19,792  $ 25,837  $ 29,836  $ 14,369  $ 19,610  $ 75,465  $ 73,043

Provision for unfunded lending-related commitments losses - Other 6,094  (2,666) (239) 13,354  2,160  3,189  (5,017)

Provision for held-to-maturity securities losses (7) (37) (3) (135) (2) (47) (61)

Provision for credit losses $ 25,879  $ 23,134  $ 29,594  $ 27,588  $ 21,768  $ 78,607  $ 67,965

Allowance for loan losses $ 401,729  $ 402,952  $ 390,651  $ 379,283  $ 386,622

Allowance for unfunded lending-related commitments losses 84,111  78,017  80,683  80,922  67,569

Allowance for loan losses and unfunded lending-related commitments losses 485,840  480,969  471,334  460,205  454,191

Allowance for held-to-maturity securities losses 213  220  257  260  395

Allowance for credit losses $ 486,053  $ 481,189  $ 471,591  $ 460,465  $ 454,586

TABLE 12: ALLOWANCE BY LOAN PORTFOLIO

The table below summarizes the calculation of allowance for loan losses and allowance for unfunded lending-related commitments losses for the Company’s loan portfolios as well as core and niche portfolios, as of September 30, 2026, June 30, 2026 and March 31, 2026.

As of Sep 30, 2026 As of Jun 30, 2026 As of Mar 31, 2026

(Dollars in thousands) Recorded

Investment Calculated

Allowance % of its

category’s balance Recorded

Investment Calculated

Allowance % of its

category’s balance Recorded

Investment Calculated

Allowance % of its

category’s balance

Commercial $ 18,341,765  $ 240,134  1.31  % $ 18,281,311  $ 234,809  1.28  % $ 17,763,221  $ 210,959  1.19  %

Commercial real estate:

Construction and development 2,678,889  66,450  2.48  2,655,665  67,343  2.54  2,323,942  74,092  3.19

Non-construction 12,281,722  142,623  1.16  11,614,942  142,605  1.23  11,838,344  150,778  1.27

Total commercial real estate $ 14,960,611  $ 209,073  1.40  % $ 14,270,607  $ 209,948  1.47  % $ 14,162,286  $ 224,870  1.59  %

Total commercial and commercial real estate $ 33,302,376  $ 449,207  1.35  % $ 32,551,918  $ 444,757  1.37  % $ 31,925,507  $ 435,829  1.37  %

Home equity 507,831  9,837  1.94  491,782  10,004  2.03  471,264  10,213  2.17

Residential real estate 4,696,015  13,619  0.29  4,542,692  13,257  0.29  4,465,166  13,081  0.29

Premium finance receivables - property & casualty 8,624,322  11,499  0.13  8,612,023  11,142  0.13  7,890,331  10,591  0.13

Premium finance receivables - life insurance 9,538,863  830  0.01  9,312,521  810  0.01  9,196,382  800  0.01

Consumer and other 135,164  848  0.63  144,011  999  0.69  122,642  820  0.67

Total loans, net of unearned income $ 56,804,571  $ 485,840  0.86  % $ 55,654,947  $ 480,969  0.86  % $ 54,071,292  $ 471,334  0.87  %

Total core loans (1)

$ 33,868,895  $ 413,833  1.22  % $ 32,716,938  $ 406,752  1.24  % $ 32,118,691  $ 408,892  1.27  %

Total niche loans (1)

22,935,676  72,007  0.31  22,938,009  74,217  0.32  21,952,601  62,442  0.28

(1)See Table 1 for additional detail on core and niche loans.

25

TABLE 13: LOAN PORTFOLIO AGING

(In thousands) Sep 30, 2026 Jun 30, 2026 Mar 31, 2026 Dec 31, 2025 Sep 30, 2025

Loan Balances:

Commercial

Non-accrual $ 85,670  $ 90,642  $ 87,750  $ 78,059  $ 66,577

90+ days and still accruing —  —  —  —  —

60-89 days past due 21,825  14,851  9,996  22,952  12,190

30-59 days past due 39,132  38,292  90,389  90,205  36,136

Current 18,195,138  18,137,526  17,575,086  16,853,470  16,429,439

Total commercial $ 18,341,765  $ 18,281,311  $ 17,763,221  $ 17,044,686  $ 16,544,342

Commercial real estate

Non-accrual $ 13,013  $ 17,220  $ 16,757  $ 25,147  $ 28,202

90+ days and still accruing —  —  —  —  —

60-89 days past due 17,827  14,879  17,133  19,529  14,119

30-59 days past due 74,545  60,451  54,143  65,601  83,055

Current 14,855,226  14,178,057  14,074,253  13,830,459  13,493,831

Total commercial real estate $ 14,960,611  $ 14,270,607  $ 14,162,286  $ 13,940,736  $ 13,619,207

Home equity

Non-accrual $ 1,149  $ 1,177  $ 1,142  $ 1,221  $ 1,295

90+ days and still accruing —  —  —  —  —

60-89 days past due 1,085  690  463  1,112  246

30-59 days past due 1,427  878  2,012  2,818  2,294

Current 504,170  489,037  467,647  475,374  480,367

Total home equity $ 507,831  $ 491,782  $ 471,264  $ 480,525  $ 484,202

Residential real estate

Early buy-out loans guaranteed by U.S. government agencies (1)

$ 143,138  $ 131,335  $ 145,225  $ 145,793  $ 124,824

Non-accrual 26,218  25,910  27,360  32,862  28,942

90+ days and still accruing —  —  —  —  —

60-89 days past due 5,390  3,310  129  7,562  8,829

30-59 days past due 114  —  30,854  24,908  95

Current 4,521,155  4,382,137  4,261,598  4,106,107  3,981,180

Total residential real estate $ 4,696,015  $ 4,542,692  $ 4,465,166  $ 4,317,232  $ 4,143,870

Premium finance receivables - property & casualty

Non-accrual $ 23,341  $ 28,061  $ 33,891  $ 29,354  $ 24,512

90+ days and still accruing 17,093  16,003  15,823  19,115  13,006

60-89 days past due 19,238  18,198  16,188  29,294  23,527

30-59 days past due 33,757  25,864  47,936  57,685  38,133

Current 8,530,893  8,523,897  7,776,493  8,047,968  8,267,114

Total Premium finance receivables - property & casualty $ 8,624,322  $ 8,612,023  $ 7,890,331  $ 8,183,416  $ 8,366,292

Premium finance receivables - life insurance

Non-accrual $ —  $ —  $ —  $ —  $ —

90+ days and still accruing 10,380  —  —  —  —

60-89 days past due 536  2,908  22,690  13,887  34,016

30-59 days past due 3,515  8,606  58,760  22,806  34,506

Current 9,524,432  9,301,007  9,114,932  8,986,949  8,690,031

Total Premium finance receivables - life insurance $ 9,538,863  $ 9,312,521  $ 9,196,382  $ 9,023,642  $ 8,758,553

Consumer and other

Non-accrual $ 27  $ 113  $ 16  $ 8  $ 38

90+ days and still accruing 13  145  10  42  60

60-89 days past due 42  195  130  466  49

30-59 days past due 251  1,253  230  643  159

Current 134,831  142,305  122,256  113,705  146,710

Total consumer and other $ 135,164  $ 144,011  $ 122,642  $ 114,864  $ 147,016

Total loans, net of unearned income

Early buy-out loans guaranteed by U.S. government agencies (1)

$ 143,138  $ 131,335  $ 145,225  $ 145,793  $ 124,824

Non-accrual 149,418  163,123  166,916  166,651  149,566

90+ days and still accruing 27,486  16,148  15,833  19,157  13,066

60-89 days past due 65,943  55,031  66,729  94,802  92,976

30-59 days past due 152,741  135,344  284,324  264,666  194,378

Current 56,265,845  55,153,966  53,392,265  52,414,032  51,488,672

Total loans, net of unearned income $ 56,804,571  $ 55,654,947  $ 54,071,292  $ 53,105,101  $ 52,063,482

(1)Early buy-out loans are insured or guaranteed by the Federal Housing Administration or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.

26

TABLE 14: NON-PERFORMING ASSETS (1)

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(Dollars in thousands) 2026 2026 2026 2025 2025

Loans past due greater than 90 days and still accruing:

Commercial $ —  $ —  $ —  $ —  $ —

Commercial real estate —  —  —  —  —

Home equity —  —  —  —  —

Residential real estate —  —  —  —  —

Premium finance receivables - property & casualty 17,093  16,003  15,823  19,115  13,006

Premium finance receivables - life insurance 10,380  —  —  —  —

Consumer and other 13  145  10  42  60

Total loans past due greater than 90 days and still accruing 27,486  16,148  15,833  19,157  13,066

Non-accrual loans:

Commercial 85,670  90,642  87,750  78,059  66,577

Commercial real estate 13,013  17,220  16,757  25,147  28,202

Home equity 1,149  1,177  1,142  1,221  1,295

Residential real estate 26,218  25,910  27,360  32,862  28,942

Premium finance receivables - property & casualty 23,341  28,061  33,891  29,354  24,512

Premium finance receivables - life insurance —  —  —  —  —

Consumer and other 27  113  16  8  38

Total non-accrual loans 149,418  163,123  166,916  166,651  149,566

Total non-performing loans:

Commercial 85,670  90,642  87,750  78,059  66,577

Commercial real estate 13,013  17,220  16,757  25,147  28,202

Home equity 1,149  1,177  1,142  1,221  1,295

Residential real estate 26,218  25,910  27,360  32,862  28,942

Premium finance receivables - property & casualty 40,434  44,064  49,714  48,469  37,518

Premium finance receivables - life insurance 10,380  —  —  —  —

Consumer and other 40  258  26  50  98

Total non-performing loans $ 176,904  $ 179,271  $ 182,749  $ 185,808  $ 162,632

Other real estate owned 16,404  15,940  17,439  20,839  24,832

Total non-performing assets $ 193,308  $ 195,211  $ 200,188  $ 206,647  $ 187,464

Total non-performing loans by category as a percent of its own respective category’s period-end balance:

Commercial 0.47  % 0.50  % 0.49  % 0.46  % 0.40  %

Commercial real estate 0.09  0.12  0.12  0.18  0.21

Home equity 0.23  0.24  0.24  0.25  0.27

Residential real estate 0.56  0.57  0.61  0.76  0.70

Premium finance receivables - property & casualty 0.47  0.51  0.63  0.59  0.45

Premium finance receivables - life insurance 0.11  —  —  —  —

Consumer and other 0.03  0.18  0.02  0.04  0.07

Total loans, net of unearned income 0.31  % 0.32  % 0.34  % 0.35  % 0.31  %

Total non-performing assets as a percentage of total assets 0.25  % 0.26  % 0.28  % 0.29  % 0.27  %

Allowance for loan losses and unfunded lending-related commitments losses as a percentage of non-accrual loans 325.15  % 294.85  % 282.38  % 276.15  % 303.67  %

(1)Excludes early buy-out loans guaranteed by U.S. government agencies. Early buy-out loans are insured or guaranteed by the Federal Housing Administration or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans.

27

Non-performing Loans Rollforward, excluding early buy-out loans guaranteed by U.S. government agencies

Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(In thousands) 2026 2026 2026 2025 2025 2026 2025

Balance at beginning of period $ 179,271  $ 182,749  $ 185,808  $ 162,632  $ 188,838  $ 185,808  $ 170,823

Additions from becoming non-performing in the respective period 29,694  31,070  24,969  46,198  34,805  85,733  111,177

Return to performing status (11,423) (1,671) (3,663) (2,937) (3,399) (16,757) (11,502)

Payments received (7,568) (19,503) (13,780) (13,734) (28,052) (40,851) (49,619)

Transfer to OREO or other assets (1,582) —  (868) (286) (348) (2,450) (2,595)

Charge-offs, net (18,106) (7,860) (10,930) (16,998) (21,526) (36,896) (41,860)

Net change for premium finance receivables 6,618  (5,514) 1,213  10,933  (7,686) 2,317  (13,792)

Balance at end of period $ 176,904  $ 179,271  $ 182,749  $ 185,808  $ 162,632  $ 176,904  $ 162,632

Other Real Estate Owned

Three Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(In thousands) 2026 2026 2026 2025 2025

Balance at beginning of period $ 15,940  $ 17,439  $ 20,839  $ 24,832  $ 23,615

Disposals/resolved (127) (1,499) (4,760) (2,141) —

Transfers in at fair value, less costs to sell 591  —  1,360  —  1,217

Fair value adjustments —  —  —  (1,852) —

Balance at end of period $ 16,404  $ 15,940  $ 17,439  $ 20,839  $ 24,832

Period End

(In thousands) Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

Balance by Property Type: 2026 2026 2026 2025 2025

Residential real estate $ —  $ —  $ —  $ —  $ —

Commercial real estate 16,404  15,940  17,439  20,839  24,832

Total $ 16,404  $ 15,940  $ 17,439  $ 20,839  $ 24,832

28

TABLE 15: NON-INTEREST INCOME

Three Months Ended

Q3 2026 compared to

Q2 2026

Q3 2026 compared to

Q3 2025

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(Dollars in thousands) 2026 2026 2026 2025 2025 $ Change % Change $ Change % Change

Brokerage $ 5,144  $ 4,985  $ 5,301  $ 5,384  $ 4,426  $ 159  3  % $ 718  16  %

Trust and asset management 35,823  34,898  36,758  33,981  32,762  925  3  3,061  9

Total wealth management 40,967  39,883  42,059  39,365  37,188  1,084  3  3,779  10

Mortgage banking 25,532  27,438  23,396  22,625  24,451  (1,906) (7) 1,081  4

Service charges on deposit accounts 22,161  21,240  20,970  20,402  19,825  921  4  2,336  12

(Losses) gains on investment securities, net (1,621) 1,845  (31) 1,505  2,972  (3,466) NM (4,593) NM

Fees from covered call options 4,585  4,793  4,669  5,992  5,619  (208) (4) (1,034) (18)

Trading gains (losses), net 48  70  10  (257) 172  (22) (31) (124) (72)

Operating lease income, net 18,447  18,804  19,154  16,365  15,466  (357) (2) 2,981  19

Other:

Interest rate swap fees 3,757  3,117  4,041  4,664  3,909  640  21  (152) (4)

BOLI 846  3,216  948  1,915  1,591  (2,370) (74) (745) (47)

Administrative services 1,437  1,341  1,243  1,352  1,240  96  7  197  16

Foreign currency remeasurement (losses) gains (433) 253  (368) 322  (416) (686) NM (17) 4

Changes in fair value on EBOs and loans held-for-investment (356) (373) (287) (1,702) 1,452  17  5  (1,808) NM

Early pay-offs of capital leases 928  1,054  1,198  581  519  (126) (12) 409  79

Miscellaneous 19,975  18,588  17,140  17,261  16,839  1,387  7  3,136  19

Total Other 26,154  27,196  23,915  24,393  25,134  (1,042) (4) 1,020  4

Total Non-Interest Income $ 136,273  $ 141,269  $ 134,142  $ 130,390  $ 130,827  $ (4,996) (4) % $ 5,446  4  %

Nine Months Ended

2026 compared to 2025

Sep 30, Sep 30,

(Dollars in thousands) 2026 2025 $ Change % Change

Brokerage $ 15,430  $ 13,395  $ 2,035  15  %

Trust and asset management 107,479  94,656  12,823  14

Total wealth management 122,909  108,051  14,858  14

Mortgage banking 76,366  68,150  8,216  12

Service charges on deposit accounts 64,371  58,689  5,682  10

Gains on investment securities, net 193  6,818  (6,625) (97)

Fees from covered call options 14,047  14,689  (642) (4)

Trading gains, net 128  259  (131) (51)

Operating lease income, net 56,405  45,919  10,486  23

Other:

Interest rate swap fees 10,915  9,188  1,727  19

BOLI 5,010  4,644  366  8

Administrative services 4,021  3,948  73  2

Foreign currency remeasurement (losses) gains (548) 59  (607) NM

Changes in fair value on EBOs and loans held-for-investment (1,016) 2,007  (3,023) NM

Early pay-offs of capital leases 3,180  1,687  1,493  89

Miscellaneous 55,703  47,442  8,261  17

Total Other 77,265  68,975  8,290  12

Total Non-Interest Income $ 411,684  $ 371,550  $ 40,134  11  %

NM - Not meaningful.

BOLI - Bank-owned life insurance.

EBO - Early buy-out.

29

TABLE 16: MORTGAGE BANKING

Three Months Ended

(Dollars in thousands) Sep 30,

2026 Jun 30,

2026 Mar 31,

2026 Dec 31,

2025 Sep 30,

2025

Originations:

Retail originations $ 487,106  $ 660,325  $ 441,749  $ 589,139  $ 505,793

Veterans First originations 131,447  174,644  152,244  208,054  137,600

Total originations for sale (A) $ 618,553  $ 834,969  $ 593,993  $ 797,193  $ 643,393

Originations for investment 289,296  315,487  371,540  364,988  351,012

Total originations $ 907,849  $ 1,150,456  $ 965,533  $ 1,162,181  $ 994,405

As a percentage of originations for sale:

Retail originations 79  % 79  % 74  % 74  % 79  %

Veterans First originations 21  21  26  26  21

Purchases 80  % 74  % 52  % 52  % 77  %

Refinances 20  26  48  48  23

Production Margin:

Production revenue (B) (1)

$ 10,902  $ 13,150  $ 13,028  $ 10,878  $ 15,388

Total originations for sale (A) $ 618,553  $ 834,969  $ 593,993  $ 797,193  $ 643,393

Add: Current period end mandatory interest rate lock commitments to fund originations for sale (2)

93,178  171,656  218,156  122,804  307,932

Less: Prior period end mandatory interest rate lock commitments to fund originations for sale (2)

171,656  218,156  122,804  307,932  163,664

Total mortgage production volume (C) $ 540,075  $ 788,469  $ 689,345  $ 612,065  $ 787,661

Production margin (B / C) 2.02  % 1.67  % 1.89  % 1.78  % 1.95  %

Mortgage Servicing:

Loans serviced for others (D) $ 12,790,822 $ 12,669,679 $ 12,534,513 $ 12,608,694 $ 12,524,131

Mortgage Servicing Rights (“MSR”), at fair value (E) 238,485 201,903 195,276 195,023 190,938

Percentage of MSRs to loans serviced for others (E / D) 1.86  % 1.59  % 1.56  % 1.55  % 1.52  %

Servicing income $ 10,678  $ 10,724  $ 10,353  $ 10,185  $ 10,112

MSR Fair Value Asset Activity

MSR - FV at Beginning of Period $ 201,903  $ 195,276  $ 195,023  $ 190,938  $ 193,061

MSR - Current period capitalization 7,083  8,745  6,434  9,150  5,829

MSR - Collection of expected cash flows - paydowns (1,839) (1,684) (1,620) (1,550) (1,554)

MSR - Collection of expected cash flows - payoffs and repurchases (3,548) (4,815) (5,021) (6,250) (4,050)

MSR - Changes in fair value model assumptions 34,886  4,381  460  2,735  (2,348)

MSR Fair Value at end of period $ 238,485  $ 201,903  $ 195,276  $ 195,023  $ 190,938

Summary of Mortgage Banking Revenue:

Operational:

Production revenue (1)

$ 10,902  $ 13,150  $ 13,028  $ 10,878  $ 15,388

MSR - Current period capitalization 7,083  8,745  6,434  9,150  5,829

MSR - Collection of expected cash flows - paydowns (1,839) (1,684) (1,620) (1,550) (1,554)

MSR - Collection of expected cash flows - payoffs and repurchases (3,548) (4,815) (5,021) (6,250) (4,050)

Servicing Income 10,678  10,724  10,353  10,185  10,112

Other Revenue (282) 72  (45) (17) (345)

Total operational mortgage banking revenue $ 22,994  $ 26,192  $ 23,129  $ 22,396  $ 25,380

Fair Value:

MSR - changes in fair value model assumptions $ 34,886  $ 4,381  $ 460  $ 2,735  $ (2,348)

(Loss) gain on derivative contract held as an economic hedge, net (27,671) (3,396) (900) (2,425) 265

Changes in FV on early buy-out loans guaranteed by US Govt held-for-sale (4,677) 261  707  (81) 1,154

Total fair value mortgage banking revenue $ 2,538  $ 1,246  $ 267  $ 229  $ (929)

Total mortgage banking revenue $ 25,532  $ 27,438  $ 23,396  $ 22,625  $ 24,451

(1)Production revenue represents revenue earned from the origination and subsequent sale of mortgages, including gains on loans sold and fees from originations, changes in other related financial instruments carried at fair value, processing and other related activities, and excludes servicing fees, changes in the fair value of servicing rights and changes to the mortgage recourse obligation and other non-production revenue.

(2)Certain volume adjusted for the estimated pull-through rate of the loan, which represents the Company’s best estimate of the likelihood that a committed loan will ultimately fund.

30

Nine Months Ended

(Dollars in thousands) Sep 30,

2026 Sep 30,

2025

Originations:

Retail originations $ 1,589,180  $ 1,378,020

Veterans First originations 458,335  407,372

Total originations for sale (A) $ 2,047,515  $ 1,785,392

Originations for investment 976,323  991,115

Total originations $ 3,023,838  $ 2,776,507

As a percentage of originations for sale:

Retail originations 78  % 77  %

Veterans First originations 22  23

Purchases 69  % 76  %

Refinances 31  24

Production Margin:

Production revenue (B) (1)

$ 37,080  $ 38,709

Total originations for sale (A) $ 2,047,515  $ 1,785,392

Add: Current period end mandatory interest rate lock commitments to fund originations for sale (2)

93,178  307,932

Less: Prior period end mandatory interest rate lock commitments to fund originations for sale (2)

122,804  103,946

Total mortgage production volume (C) $ 2,017,889  $ 1,989,378

Production margin (B / C) 1.84  % 1.95  %

Mortgage Servicing:

Loans serviced for others (D) $ 12,790,822 $ 12,524,131

MSRs, at fair value (E) 238,485 190,938

Percentage of MSRs to loans serviced for others (E / D) 1.86  % 1.52  %

Servicing income $ 31,755  $ 31,243

MSR Fair Value Asset Activity

MSR - FV at Beginning of Period $ 195,023  $ 203,788

MSR - Current period capitalization 22,262  16,834

MSR - Collection of expected cash flows - paydowns (5,143) (4,660)

MSR - Collection of expected cash flows - payoffs and repurchases (13,384) (11,196)

MSR - Changes in fair value model assumptions 39,727  (13,828)

MSR Fair Value at end of period $ 238,485  $ 190,938

Summary of Mortgage Banking Revenue:

Operational:

Production revenue (1)

$ 37,080  $ 38,709

MSR - Current period capitalization 22,262  16,834

MSR - Collection of expected cash flows - paydowns (5,143) (4,660)

MSR - Collection of expected cash flows - payoffs and repurchases (13,384) (11,196)

Servicing Income 31,755  31,243

Other Revenue (255) (596)

Total operational mortgage banking revenue $ 72,315  $ 70,334

Fair Value:

MSR - changes in fair value model assumptions $ 39,727  $ (13,828)

(Loss) gain on derivative contract held as an economic hedge, net (31,967) 7,697

Changes in FV on early buy-out loans guaranteed by US Govt held-for-sale (3,709) 3,947

Total fair value mortgage banking revenue $ 4,051  $ (2,184)

Total mortgage banking revenue $ 76,366  $ 68,150

(1)Production revenue represents revenue earned from the origination and subsequent sale of mortgages, including gains on loans sold and fees from originations, changes in other related financial instruments carried at fair value, processing and other related activities, and excludes servicing fees, changes in the fair value of servicing rights and changes to the mortgage recourse obligation and other non-production revenue.

(2)Certain volume adjusted for the estimated pull-through rate of the loan, which represents the Company’s best estimate of the likelihood that a committed loan will ultimately fund.

31

TABLE 17: NON-INTEREST EXPENSE

Three Months Ended

Q3 2026 compared to

Q2 2026

Q3 2026 compared to

Q3 2025

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30,

(Dollars in thousands) 2026 2026 2026 2025 2025 $ Change % Change $ Change % Change

Salaries and employee benefits:

Salaries $ 128,618  $ 129,875  $ 129,086  $ 124,856  $ 124,623  $ (1,257) (1) % $ 3,995  3  %

Commissions and incentive compensation 61,911  62,463  57,407  57,117  56,244  (552) (1) 5,667  10

Benefits 40,023  41,751  41,954  40,584  38,801  (1,728) (4) 1,222  3

Total salaries and employee benefits 230,552  234,089  228,447  222,557  219,668  (3,537) (2) 10,884  5

Software and equipment 39,179  39,288  35,654  36,096  35,027  (109) 0  4,152  12

Operating lease equipment 11,661  11,187  10,987  11,034  10,409  474  4  1,252  12

Occupancy, net 19,548  21,153  20,566  20,105  20,809  (1,605) (8) (1,261) (6)

Data processing 11,218  10,659  11,266  11,809  11,329  559  5  (111) (1)

Advertising and marketing 21,806  20,432  13,218  13,792  19,027  1,374  7  2,779  15

Professional fees 10,687  9,342  7,375  8,280  7,465  1,345  14  3,222  43

Amortization of other acquisition-related intangible assets 4,686  4,921  4,958  4,999  5,196  (235) (5) (510) (10)

FDIC insurance 12,138  11,796  10,990  11,061  11,418  342  3  720  6

FDIC insurance - special assessment —  (5,156) —  (499) —  5,156  100 —  —

OREO expense, net 282  786  207  2,162  262  (504) (64) 20  8

Other:

Lending expenses, net of deferred origination costs 6,196  6,165  6,510  6,367  6,169  31  1  27  0

Travel and entertainment 6,874  6,938  5,426  7,965  6,029  (64) (1) 845  14

Miscellaneous 30,838  25,937  27,028  28,725  27,220  4,901  19  3,618  13

Total other 43,908  39,040  38,964  43,057  39,418  4,868  12  4,490  11

Total Non-Interest Expense $ 405,665  $ 397,537  $ 382,632  $ 384,453  $ 380,028  $ 8,128  2  % $ 25,637  7  %

Nine Months Ended

2026 compared to 2025

Sep 30, Sep 30,

(Dollars in thousands) 2026 2025 $ Change % Change

Salaries and employee benefits:

Salaries $ 387,579  $ 371,714  $ 15,865  4  %

Commissions and incentive compensation 181,781  164,651  17,130  10

Benefits 123,728  114,370  9,358  8

Total salaries and employee benefits 693,088  650,735  42,353  7

Software and equipment 114,121  106,266  7,855  7

Operating lease equipment 33,835  31,637  2,198  7

Occupancy, net 61,267  61,815  (548) (1)

Data processing 33,143  34,713  (1,570) (5)

Advertising and marketing 55,456  50,060  5,396  11

Professional fees 27,404  25,752  1,652  6

Amortization of other acquisition-related intangible assets 14,565  16,394  (1,829) (11)

FDIC insurance 34,924  33,315  1,609  5

FDIC insurance - special assessment (5,156) —  (5,156) (100)

OREO expense, net 1,275  1,410  (135) (10)

Other:

Lending expenses, net of deferred origination costs 18,871  16,904  1,967  12

Travel and entertainment 19,238  17,325  1,913  11

Miscellaneous 83,803  81,253  2,550  3

Total other 121,912  115,482  6,430  6

Total Non-Interest Expense $ 1,185,834  $ 1,127,579  $ 58,255  5  %

NM - Not meaningful.

32

TABLE 18: SUPPLEMENTAL NON-GAAP FINANCIAL MEASURES/RATIOS

The accounting and reporting policies of Wintrust conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP performance measures and ratios are used by management to evaluate and measure the Company’s performance. These include taxable-equivalent net interest income (including its individual components), taxable-equivalent net interest margin (including its individual components), the taxable-equivalent efficiency ratio, tangible common equity ratio, tangible book value per common share, return on average tangible common equity, and pre-tax income, excluding provision for credit losses. Management believes that these measures and ratios provide users of the Company’s financial information a more meaningful view of the performance of the Company’s interest-earning assets and interest-bearing liabilities and of the Company’s operating efficiency. Other financial holding companies may define or calculate these measures and ratios differently.

Management reviews yields on certain asset categories and the net interest margin of the Company and its banking subsidiaries on a fully taxable-equivalent basis (“FTE”). In this non-GAAP presentation, net interest income is adjusted to reflect tax-exempt interest income on an equivalent before-tax basis using tax rates effective as of the end of the period. This measure ensures comparability of net interest income arising from both taxable and tax-exempt sources. Net interest income on a FTE basis is also used in the calculation of the Company’s efficiency ratio. The efficiency ratio, which is calculated by dividing non-interest expense by total taxable-equivalent net revenue (less securities gains or losses), measures how much it costs to produce one dollar of revenue. Securities gains or losses are excluded from this calculation to better match revenue from daily operations to operational expenses. Management considers the tangible common equity ratio and tangible book value per common share as useful measurements of the Company’s equity. The Company references the return on average tangible common equity as a measurement of profitability. Management considers pre-tax income, excluding provision for credit losses, as a useful measurement of the Company’s core net income.

Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(Dollars and shares in thousands) 2026 2026 2026 2025 2025 2026 2025

Reconciliation of Non-GAAP Net Interest Margin and Efficiency Ratio:

(A) Interest Income (GAAP) $ 1,002,861  $ 961,412  $ 927,560  $ 956,326  $ 963,834  $ 2,891,833  $ 2,771,707

Taxable-equivalent adjustment:

- Loans

2,151  2,111  2,026  2,134  2,154  6,288  6,560

- Liquidity Management Assets 610  630  586  661  675  1,826  2,045

- Other Earning Assets —  —  —  —  —  —  3

(B) Interest Income (non-GAAP) $ 1,005,622  $ 964,153  $ 930,172  $ 959,121  $ 966,663  $ 2,899,947  $ 2,780,315

(C) Interest Expense (GAAP) 381,257  364,046  348,536  372,452  396,824  1,093,839  1,131,529

(D) Net Interest Income (GAAP) (A minus C) 621,604  597,366  579,024  583,874  567,010  1,797,994  1,640,178

(E) Net Interest Income (non-GAAP) (B minus C) 624,365  600,107  581,636  586,669  569,839  1,806,108  1,648,786

Net interest margin (GAAP) 3.49  % 3.50  % 3.54  % 3.52  % 3.48  % 3.51  % 3.51  %

Net interest margin, fully taxable-equivalent (non-GAAP) 3.51  3.52  3.56  3.54  3.50  3.53  3.53

(F) Non-interest income $ 136,273  $ 141,269  $ 134,142  $ 130,390  $ 130,827  $ 411,684  $ 371,550

(G) (Losses) gains on investment securities, net (1,621) 1,845  (31) 1,505  2,972  193  6,818

(H) Non-interest expense 405,665  397,537  382,632  384,453  380,028  1,185,834  1,127,579

Efficiency ratio (H/(D+F-G)) 53.41  % 53.96  % 53.65  % 53.94  % 54.69  % 53.67  % 56.24  %

Efficiency ratio (non-GAAP) (H/(E+F-G)) 53.22  53.76  53.45  53.73  54.47  53.47  56.00

33

Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(Dollars and shares in thousands) 2026 2026 2026 2025 2025 2026 2025

Reconciliation of Non-GAAP Tangible Common Equity Ratio:

Total shareholders’ equity (GAAP) $ 7,289,546 $ 7,525,116 $ 7,378,100 $ 7,258,715 $ 7,045,757

Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (425,000) (425,000) (425,000)

Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (895,959) (902,936)

(I) Total tangible common shareholders’ equity (non-GAAP) $ 5,949,852 $ 6,214,778 $ 6,062,402 $ 5,937,756 $ 5,717,821

(J) Total assets (GAAP) $ 75,971,620 $ 74,668,135 $ 72,157,433 $ 71,142,046 $ 69,629,638

Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (895,959) (902,936)

(K) Total tangible assets (non-GAAP) $ 75,056,926 $ 73,782,797 $ 71,266,735 $ 70,246,087 $ 68,726,702

Common equity to assets ratio (GAAP) (L/J) 9.0  % 9.5  % 9.6  % 9.6  % 9.5  %

Tangible common equity ratio (non-GAAP) (I/K) 7.9  8.4  8.5  8.5  8.3

Reconciliation of Non-GAAP Tangible Book Value per Common Share:

Total shareholders’ equity $ 7,289,546  $ 7,525,116  $ 7,378,100  $ 7,258,715  $ 7,045,757

Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (425,000) (425,000) (425,000)

(L) Total common equity $ 6,864,546  $ 7,100,116  $ 6,953,100  $ 6,833,715  $ 6,620,757

(M) Actual common shares outstanding 67,472  67,455  67,437  66,975  66,961

Book value per common share (L/M) $ 101.74  $ 105.26  $ 103.10  $ 102.03  $ 98.87

Tangible book value per common share (non-GAAP) (I/M) 88.18  92.13  89.90  88.66  85.39

Reconciliation of Non-GAAP Return on Average Tangible Common Equity:

(N) Net income applicable to common shares $ 230,687  $ 225,326  $ 219,021  $ 214,657  $ 188,913  $ 675,034  $ 559,497

Add: Acquisition-related intangible asset amortization 4,686  4,921  4,958  4,999  5,196  14,565  16,394

Less: Tax effect of acquisition-related intangible asset amortization (1,251) (1,304) (1,210) (1,310) (1,403) (3,772) (4,328)

After-tax Acquisition-related intangible asset amortization $ 3,435  $ 3,617  $ 3,748  $ 3,689  $ 3,793  $ 10,793  $ 12,066

(O) Tangible net income applicable to common shares (non-GAAP) $ 234,122  $ 228,943  $ 222,769  $ 218,346  $ 192,706  $ 685,827  $ 571,563

Total average shareholders’ equity $ 7,558,263  $ 7,474,449  $ 7,387,713  $ 7,166,608  $ 6,955,543  $ 7,474,100  $ 6,761,319

Less: Average preferred stock (425,000) (425,000) (425,000) (425,000) (483,288) (425,000) (498,626)

(P) Total average common shareholders’ equity $ 7,133,263  $ 7,049,449  $ 6,962,713  $ 6,741,608  $ 6,472,255  $ 7,049,100  $ 6,262,693

Less: Average acquisition-related intangible assets (895,137) (889,059) (894,211) (901,022) (906,032) (892,805) (910,972)

(Q) Total average tangible common shareholders’ equity (non-GAAP) $ 6,238,126  $ 6,160,390  $ 6,068,502  $ 5,840,586  $ 5,566,223  $ 6,156,295  $ 5,351,721

Return on average common equity, annualized (N/P) 12.83  % 12.82  % 12.76  % 12.63  % 11.58  % 12.80  % 11.94  %

Return on average tangible common equity, annualized (non-GAAP) (O/Q) 14.89  14.91  14.89  14.83  13.74  14.89  14.28

Reconciliation of Non-GAAP Pre-Tax, Pre-Provision Income:

Income before taxes $ 326,333  $ 317,964  $ 300,940  $ 302,223  $ 296,041  $ 945,237  $ 816,184

Add: Provision for credit losses 25,879  23,134  29,594  27,588  21,768  78,607  67,965

Pre-tax income, excluding provision for credit losses (non-GAAP) $ 352,212  $ 341,098  $ 330,534  $ 329,811  $ 317,809  $ 1,023,844  $ 884,149

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Three Months Ended Nine Months Ended

Sep 30, Jun 30, Mar 31, Dec 31, Sep 30, Sep 30, Sep 30,

(Dollars and shares in thousands, except per share data) 2026 2026 2026 2025 2025 2026 2025

Reconciliation of Non-GAAP Net Income per Common Share:

Net income $ 239,054  $ 233,693  $ 227,388  $ 223,024  $ 216,254  $ 700,135  $ 600,820

Preferred stock dividends 8,367  8,367  8,367  8,367  13,295  25,101  27,277

Preferred stock redemption —  —  —  —  14,046  —  14,046

(R) Net income applicable to common shares $ 230,687  $ 225,326  $ 219,021  $ 214,657  $ 188,913  $ 675,034  $ 559,497

(S) Weighted average common shares outstanding 67,467  67,434  67,246  66,970  66,952  67,383  66,871

Dilutive potential common shares 911  852  851  1,143  1,028  876  945

(T) Average common shares and dilutive common shares 68,378  68,286  68,097  68,113  67,980  68,259  67,816

Net income per common share - Basic (R/S) $ 3.42  $ 3.34  $ 3.26  $ 3.21  $ 2.82  $ 10.02  $ 8.37

Net income per common share - Diluted (R/T) $ 3.37  $ 3.30  $ 3.22  $ 3.15  $ 2.78  $ 9.89  $ 8.25

Preferred stock series F excess one-time extended first dividend $ —  $ —  $ —  $ —  $ 4,927  $ —  $ 4,927

Preferred stock redemption —  —  —  —  14,046  —  14,046

(U) Total non-recurring preferred stock offering impact (non-GAAP) $ —  $ —  $ —  $ —  $ 18,973  $ —  $ 18,973

Net income per common share - Basic (non-GAAP) (R+U)/S $ 3.42  $ 3.34  $ 3.26  $ 3.21  $ 3.11  $ 10.02  $ 8.65

Net income per common share - Diluted (non-GAAP) (R+U)/T $ 3.37  $ 3.30  $ 3.22  $ 3.15  $ 3.06  $ 9.89  $ 8.53

35

WINTRUST SUBSIDIARIES

Wintrust is a financial holding company whose common stock is traded on the Nasdaq Global Select Market (Nasdaq: WTFC) that operates bank retail locations in the greater Chicago, southern Wisconsin, west Michigan, northwest Indiana, and southwest Florida market areas. Its 16 community bank subsidiaries are: Barrington Bank & Trust Company, N.A., Beverly Bank & Trust Company, N.A., Crystal Lake Bank & Trust Company, N.A., Hinsdale Bank & Trust Company, N.A., Lake Forest Bank & Trust Company, N.A., Libertyville Bank & Trust Company, N.A., Macatawa Bank, N.A., Northbrook Bank & Trust Company, N.A., Old Plank Trail Community Bank, N.A., Schaumburg Bank & Trust Company, N.A., St. Charles Bank & Trust Company, N.A., State Bank of The Lakes, N.A., Town Bank, N.A., Village Bank & Trust, N.A., Wheaton Bank & Trust Company, N.A., and Wintrust Bank, N.A.

Additionally, the Company operates various non-bank businesses:

•FIRST Insurance Funding and Wintrust Life Finance, each a division of Lake Forest Bank & Trust Company, N.A., serve property and casualty and life insurance loan customers, respectively, throughout the United States.

•First Insurance Funding of Canada serves property and casualty insurance loan customers throughout Canada.

•Tricom, Inc. of Milwaukee provides high-yielding, short-term accounts receivable financing and value-added out-sourced administrative services, such as data processing of payrolls, billing and cash management services, to temporary staffing service clients located throughout the United States.

•Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A., engages primarily in the origination and purchase of residential mortgages for sale into the secondary market through origination offices located throughout the United States.

•Wintrust Investments, LLC provides a full range of private client and brokerage services to clients and correspondent banks located primarily in the Midwest.

•Great Lakes Advisors LLC provides money management services and advisory services to individual accounts.

•Wintrust Private Trust Company, N.A., a trust subsidiary, allows Wintrust to service customers’ trust and investment needs at each banking location.

•Wintrust Asset Finance offers direct leasing opportunities.

•CDEC provides Qualified Intermediary services (as defined by U.S. Treasury regulations) for taxpayers seeking to structure tax-deferred like-kind exchanges under Internal Revenue Code Section 1031.

FORWARD-LOOKING STATEMENTS

This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as “intend,” “plan,” “project,” “expect,” “anticipate,” “believe,” “estimate,” “contemplate,” “possible,” “will,” “may,” “should,” “would” and “could.” Forward-looking statements and information are not historical facts, are premised on many factors and assumptions, and represent only management’s expectations, estimates and projections regarding future events. Similarly, these statements are not guarantees of future performance and involve certain risks and uncertainties that are difficult to predict, and which may include, but are not limited to, those listed below and the Risk Factors discussed under Item 1A of the Company’s 2025 Annual Report on Form 10-K and in any of the Company’s subsequent Securities and Exchange Commission filings. The Company intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and is including this statement for purposes of invoking these safe harbor provisions. Such forward-looking statements may be deemed to include, among other things, statements relating to the Company’s future financial performance, the performance of its loan portfolio, the expected amount of future credit reserves and charge-offs, delinquency trends, growth plans, regulatory developments, securities that the Company may offer from time to time, and management’s long-term performance goals, as well as statements relating to the anticipated effects on the Company’s financial condition and results of operations from expected developments or events, the Company’s business and growth strategies, including future acquisitions of banks, specialty finance or wealth management businesses, internal growth and plans to form additional de novo banks or branch offices. Actual results could differ materially from those addressed in the forward-looking statements as a result of numerous factors and uncertainties, including the following:

•economic conditions and events that affect the economy, housing prices, the job market and other factors that may adversely affect the Company’s liquidity and the performance of its loan portfolios, including an actual or threatened U.S. government shutdown, debt default or rating downgrade, particularly in the markets in which it operates;

•negative effects suffered by us or our customers resulting from changes in U.S. or international trade policies or armed hostilities;

•the extent of defaults and losses on the Company’s loan portfolio, which may require further increases in its allowance for credit losses;

•estimates of fair value of certain of the Company’s assets and liabilities, which could change in value significantly from period to period;

36

•the financial success and economic viability of the borrowers of our commercial loans;

•commercial real estate market conditions in the Chicago metropolitan area, southern Wisconsin and west Michigan;

•the extent of commercial and consumer delinquencies and declines in real estate values, which may require further increases in the Company’s allowance for credit losses;

•inaccurate assumptions in our analytical and forecasting models used to manage our loan portfolio;

•changes in the level and volatility of interest rates, the capital markets and other market indices that may affect, among other things, the Company’s liquidity and the value of its assets and liabilities;

•the interest rate environment, including a prolonged period of low interest rates or rising interest rates, either broadly or for some types of instruments, which may affect the Company’s net interest income and net interest margin, and which could materially adversely affect the Company’s profitability;

•competitive pressures in the financial services business which may affect the pricing of the Company’s loan and deposit products as well as its services (including wealth management services), which may result in loss of market share and reduced income from deposits, loans, advisory fees and income from other products;

•failure to identify and complete favorable acquisitions in the future or unexpected losses, difficulties or developments related to the Company’s recent or future acquisitions;

•unexpected difficulties and losses related to FDIC-assisted acquisitions;

•harm to the Company’s reputation;

•any negative perception of the Company’s financial strength;

•ability of the Company to raise additional capital on acceptable terms when needed;

•disruption in capital markets, which may lower fair values for the Company’s investment portfolio;

•ability of the Company to use technology to provide products and services that will satisfy customer demands and create efficiencies in operations and to manage risks associated therewith;

•failure or breaches of our security systems or infrastructure, or those of third parties;

•security breaches, including denial of service attacks, hacking, social engineering attacks, malware intrusion and similar events or data corruption attempts and identity theft;

•adverse effects on our information technology systems, or those of third parties, resulting from failures, human error or cyberattacks (including ransomware);

•adverse effects of failures by our vendors to provide agreed upon services in the manner and at the cost agreed, particularly our information technology vendors;

•increased costs as a result of protecting our customers from the impact of stolen debit card information;

•accuracy and completeness of information the Company receives about customers and counterparties to make credit decisions;

•ability of the Company to attract and retain senior management experienced in the banking and financial services industries;

•environmental liability risk associated with lending activities;

•the impact of any claims or legal actions to which the Company is subject, including any effect on our reputation;

•losses incurred in connection with repurchases and indemnification payments related to mortgages and increases in reserves associated therewith;

•the loss of customers as a result of technological changes allowing consumers to complete their financial transactions without the use of a bank;

•the soundness of other financial institutions and the impact of recent failures of financial institutions, including broader financial institution liquidity risk and concerns;

•the expenses and delayed returns inherent in opening new branches and de novo banks;

•liabilities, potential customer loss or reputational harm related to closings of existing branches;

•examinations and challenges by tax authorities, and any unanticipated impact of tax legislation;

•changes in accounting standards, rules and interpretations, and the impact on the Company’s financial statements;

•the ability of the Company to receive dividends from its subsidiaries;

•a decrease in the Company’s capital ratios, including as a result of declines in the value of its loan portfolios, or otherwise;

•legislative or regulatory changes, particularly changes in regulation of financial services companies and/or the products and services offered by financial services companies;

•changes in laws, regulations, rules, standards and contractual obligations regarding data privacy and cybersecurity;

•a lowering of our credit rating;

•changes in U.S. monetary policy and changes to the Federal Reserve’s balance sheet, including changes in response to persistent inflation or otherwise;

•regulatory restrictions upon our ability to market our products to consumers and limitations on our ability to profitably operate our mortgage business;

•increased costs of compliance, heightened regulatory capital requirements and other risks associated with changes in regulation and the regulatory environment;

•the impact of heightened capital requirements;

37

•increases in the Company’s FDIC insurance premiums, or the collection of special assessments by the FDIC;

•delinquencies or fraud with respect to the Company’s premium finance business;

•credit downgrades among commercial and life insurance providers that could negatively affect the value of collateral securing the Company’s premium finance loans;

•the Company’s ability to comply with covenants under its credit facility;

•fluctuations in the stock market, which may have an adverse impact on the Company’s wealth management business and brokerage operation; and

•widespread outages of operational, communication, or other systems, whether internal or provided by third parties, natural or other disasters (including acts of terrorism, armed hostilities and pandemics), and the effects of climate change.

Therefore, there can be no assurances that future actual results will correspond to any forward-looking statement. The reader is cautioned not to place undue reliance on any forward-looking statement made by the Company. Any such statement speaks only as of the date the statement was made or as of such date that may be referenced within the statement. The Company undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events after the date of the press release. Persons are advised, however, to consult further disclosures management makes on related subjects in its reports filed with the Securities and Exchange Commission and in its press releases.

CONFERENCE CALL, WEBCAST AND REPLAY

The Company will hold a conference call on Tuesday, October 20, 2026 at 10:00 a.m. (CDT) regarding third quarter and year-to-date 2026 earnings results. Individuals interested in participating in the call by addressing questions to management should register for the call to receive the dial-in numbers and unique PIN at the Conference Call Link included within the Company’s press release dated September 30, 2026 available at the Investor Relations, News and Events, News link on its website at https://www.wintrust.com. A separate simultaneous audio-only webcast link is included within the press release referenced above. Registration for and a replay of the audio-only webcast with an accompanying slide presentation will be available at https://www.wintrust.com, Investor Relations, News and Events, Events and Presentations link. The text of the third quarter and year-to-date 2026 earnings press release will also be available on the home page of the Company’s website at https://www.wintrust.com and at the Investor Relations, News and Events, News link on its website.

38

EX-99.2

EX-99.2

Filename: earningsrelease2026-q3fi.htm · Sequence: 3

earningsrelease2026-q3fi

Earnings Release Presentation Q3 2026

ORGANIZATION NAME 2 Forward Looking Statements This document contains forward-looking statements within the meaning of federal securities laws. Forward-looking information can be identified through the use of words such as “intend,” “plan,” “project,” “expect,” “anticipate,” “believe,” “estimate,” “contemplate,” “possible,” “will,” “may,” “should,” “would” and “could.” Forward-looking statements and information are not historical facts, are premised on many factors and assumptions, and represent only management’s expectations, estimates and projections regarding future events. Similarly, these statements are not guarantees of future performance and involve certain risks and uncertainties that are difficult to predict, and which may include, but are not limited to, those listed below and the Risk Factors discussed under Item 1A of the Company’s 2025 Annual Report on Form 10-K and in any of the Company’s subsequent Securities and Exchange Commission filings. The Company intends such forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and is including this statement for purposes of invoking these safe harbor provisions. Such forward-looking statements may be deemed to include, among other things, statements relating to the Company’s future financial performance, the performance of its loan portfolio, the expected amount of future credit reserves and charge-offs, delinquency trends, growth plans, regulatory developments, securities that the Company may offer from time to time, and management’s long-term performance goals, as well as statements relating to the anticipated effects on the Company’s financial condition and results of operations from expected developments or events, the Company’s business and growth strategies, including future acquisitions of banks, specialty finance or wealth management businesses, internal growth and plans to form additional de novo banks or branch offices. Actual results could differ materially from those addressed in the forward-looking statements as a result of numerous factors and uncertainties, including the following: • economic conditions and events that affect the economy, housing prices, the job market and other factors that may adversely affect the Company’s liquidity and the performance of its loan portfolios, including an actual or threatened U.S. government shutdown, debt default or rating downgrade, particularly in the markets in which it operates; • negative effects suffered by us or our customers resulting from changes in U.S. or international trade policies or armed hostilities; • the extent of defaults and losses on the Company’s loan portfolio, which may require further increases in its allowance for credit losses; • estimates of fair value of certain of the Company’s assets and liabilities, which could change in value significantly from period to period; • the financial success and economic viability of the borrowers of our commercial loans; • commercial real estate market conditions in the Chicago metropolitan area, southern Wisconsin and west Michigan; • the extent of commercial and consumer delinquencies and declines in real estate values, which may require further increases in the Company’s allowance for credit losses; • inaccurate assumptions in our analytical and forecasting models used to manage our loan portfolio; • changes in the level and volatility of interest rates, the capital markets and other market indices that may affect, among other things, the Company’s liquidity and the value of its assets and liabilities; • the interest rate environment, including a prolonged period of low interest rates or rising interest rates, either broadly or for some types of instruments, which may affect the Company’s net interest income and net interest margin, and which could materially adversely affect the Company’s profitability; • competitive pressures in the financial services business which may affect the pricing of the Company’s loan and deposit products as well as its services (including wealth management services), which may result in loss of market share and reduced income from deposits, loans, advisory fees and income from other products; • failure to identify and complete favorable acquisitions in the future or unexpected losses, difficulties or developments related to the Company’s recent or future acquisitions; • unexpected difficulties and losses related to FDIC-assisted acquisitions; • harm to the Company’s reputation; • any negative perception of the Company’s financial strength; • ability of the Company to raise additional capital on acceptable terms when needed; • disruption in capital markets, which may lower fair values for the Company’s investment portfolio; • ability of the Company to use technology to provide products and services that will satisfy customer demands and create efficiencies in operations and to manage risks associated therewith; • failure or breaches of our security systems or infrastructure, or those of third parties; • security breaches, including denial of service attacks, hacking, social engineering attacks, malware intrusion and similar events or data corruption attempts and identity theft; • adverse effects on our information technology systems, or those of third parties, resulting from failures, human error or cyberattacks (including ransomware); Pending

ORGANIZATION NAME 3 Forward Looking Statements • adverse effects of failures by our vendors to provide agreed upon services in the manner and at the cost agreed, particularly our information technology vendors; • increased costs as a result of protecting our customers from the impact of stolen debit card information; • accuracy and completeness of information the Company receives about customers and counterparties to make credit decisions; • ability of the Company to attract and retain senior management experienced in the banking and financial services industries; • environmental liability risk associated with lending activities; • the impact of any claims or legal actions to which the Company is subject, including any effect on our reputation; • losses incurred in connection with repurchases and indemnification payments related to mortgages and increases in reserves associated therewith; • the loss of customers as a result of technological changes allowing consumers to complete their financial transactions without the use of a bank; • the soundness of other financial institutions and the impact of recent failures of financial institutions, including broader financial institution liquidity risk and concerns; • the expenses and delayed returns inherent in opening new branches and de novo banks; • liabilities, potential customer loss or reputational harm related to closings of existing branches; • examinations and challenges by tax authorities, and any unanticipated impact of tax legislation; • changes in accounting standards, rules and interpretations, and the impact on the Company’s financial statements; • the ability of the Company to receive dividends from its subsidiaries; • a decrease in the Company’s capital ratios, including as a result of declines in the value of its loan portfolios, or otherwise; • legislative or regulatory changes, particularly changes in regulation of financial services companies and/or the products and services offered by financial services companies; • changes in laws, regulations, rules, standards and contractual obligations regarding data privacy and cybersecurity; • a lowering of our credit rating; • changes in U.S. monetary policy and changes to the Federal Reserve’s balance sheet, including changes in response to persistent inflation or otherwise; • regulatory restrictions upon our ability to market our products to consumers and limitations on our ability to profitably operate our mortgage business; • increased costs of compliance, heightened regulatory capital requirements and other risks associated with changes in regulation and the regulatory environment; • the impact of heightened capital requirements; • increases in the Company’s FDIC insurance premiums, or the collection of special assessments by the FDIC; • delinquencies or fraud with respect to the Company’s premium finance business; • credit downgrades among commercial and life insurance providers that could negatively affect the value of collateral securing the Company’s premium finance loans; • the Company’s ability to comply with covenants under its credit facility; • fluctuations in the stock market, which may have an adverse impact on the Company’s wealth management business and brokerage operation; and • widespread outages of operational, communication, or other systems, whether internal or provided by third parties, natural or other disasters (including acts of terrorism, armed hostilities and pandemics), and the effects of climate change. Therefore, there can be no assurances that future actual results will correspond to any forward-looking statement. The reader is cautioned not to place undue reliance on any forward-looking statement made by the Company. Any such statement speaks only as of the date the statement was made or as of such date that may be referenced within the statement. The Company undertakes no obligation to update any forward-looking statement to reflect the impact of circumstances or events after the date of the press release and this presentation. Persons are advised, however, to consult further disclosures management makes on related subjects in its reports filed with the Securities and Exchange Commission and in its press releases and presentations. Pending

ORGANIZATION NAME 4 • Record net income of $700.1 million or $9.89 per diluted common share, for the first nine months of 2026, compared to net income of $600.8 million, or $8.25 per diluted common share for the same period of 2025 • Record September 2026 year-to-date net interest income of $1.8 billion was driven by robust earning asset growth • Total loans increased by approximately $4.7 billion, or 9% compared to September 30, 2025, and was driven by robust growth across all major loan portfolios • Total deposits increased by approximately $5.7 billion, or 10% compared to September 30, 2025, and was driven by our diversified deposit product offerings Pre-Tax, Pre-Provision1 September 2026 Year-to-Date Highlights (Comparative to September 2025 Year-to-Date) Total DepositsTotal Assets Total Loans Net Income $76.0 billion +$6.3 billion or 9% $56.8 billion +$4.7 billion or 9% $62.4 billion +$5.7 billion or 10% $700.1 million +$99.3 million or 17% BV / TBV Net Interest Income Net Interest Margin $1.8 billion +$157.8 million or 10% (non-GAAP) $88.18 +$2.79 $1.0 billion +$139.7 million or 16% Diluted EPS $9.89 +$1.64 or 20% September 2026 Year-to-Date Takeaways 1 Pre-tax income, excluding provision for credit losses (non-GAAP) – See non-GAAP reconciliation in the Appendix (GAAP) $101.74 +$2.87 (non-GAAP) 3.53% 0 bps (GAAP) 3.51% 0 bps

ORGANIZATION NAME 5 Q3 2026 Highlights (Comparative to Q2 2026) • Record quarterly net income of $239.1 million • Q3 2026 net interest margin (non-GAAP) of 3.51% was one basis point lower than the prior quarter and remains within our expected range • Total loans increased by approximately $1.1 billion, or 8% annualized, and was driven by growth across all major loan categories • Total deposits increased by approximately $1.3 billion, or 8% annualized, and was driven by our diversified customer base and product offerings Pre-Tax, Pre-Provision1 Diversified Balance Sheet Total DepositsTotal Assets Total Loans Net Income $76.0 billion +$1.3 billion $56.8 billion +$1.1 billion $62.4 billion +$1.3 billion $239.1 million +$5.4 million Strong Credit Quality • Non-performing loans totaled $176.9 million and comprised 0.31% of total loans at September 30, 2026 • Allowance for credit losses on total core loans was 1.22% at September 30, 2026 • Low levels of net charge-offs at 15 basis points of average total loans on an annualized basis in the third quarter of 2026 Efficiency RatioReturn on Assets ROE / ROTCE 1.27% -3 bps (GAAP) 53.41% -55 bps $352.2 million +$11.1 million Diluted EPS $3.37 +$0.07 Stable Margin Supports Earnings (non-GAAP) 53.22% -54 bps (GAAP) 12.83% +1 bp (non-GAAP) 14.89% -2 bps 1 Pre-tax income, excluding provision for credit losses (non-GAAP) – See non-GAAP reconciliation in the Appendix

ORGANIZATION NAME 6 $216.3 $233.7 $239.1 1.26% 1.30% 1.27% Net Income ROA Q3 2025 Q2 2026 Q3 2026 Record Quarterly Net Income $2.78 $3.30 $3.37 Diluted EPS Q3 2025 Q2 2026 Q3 2026 $317.8 $341.1 $352.2 Pre-Tax Income, excluding Provision for Credit Losses (non-GAAP) Q3 2025 Q2 2026 Q3 2026 ($ in Millions) Q3 2026 Highlights Earnings Summary Differentiated, highly diversified and sustainable business model • Record quarterly net income of $239.1 million supported by strong loan and deposit growth and a stable net interest margin • Q3 2026 pre-tax income, excluding provision for credit losses (non- GAAP) totaled $352.2 million as compared to $341.1 million in the second quarter of 2026, a record for the Company Record Quarterly Pre-Tax Income, Excluding Provision for Credit Losses ($ in Millions) Sustained Earnings Growth

ORGANIZATION NAME 7 • Loan growth during the third quarter totaled $1.1 billion, or 8% on an annualized basis • Strong loan growth driven by increases across all loan categories • Year-over-year loan growth of 9% driven by robust organic growth 32% 27% 15% 17% 8% 1% Commercial Commercial Real Estate PFR - Property and Casualty Insurance PFR - Life Insurance Residential Real Estate All Other Loans $55,655 $60 $690 $153 $12 $226 $9 $56,805 6/30/2026 Commercial Commercial Real Estate Residential Real Estate PFR - Property and Casualty Insurance PFR - Life Insurance All Other Loans 9/30/2026 $52.1 $55.7 $56.8 6.44% 6.07% 6.06% Total Loans Average Total Loan Yield 9/30/2025 6/30/2026 9/30/2026 Loan Growth Across All Loan Categories ($ in Millions) Diversified Loan Mix (as of 9/30/2026) Robust Organic Loan Growth in the Third Quarter ($ in Billions) Loan Portfolio Diversified loan portfolio drives consistent growth Highlights

ORGANIZATION NAME 8 5.50% 5.00% 4.50% 4.50% 4.50% 4.25% 3.75% 3.75% 3.75% 4.00% 3.73% 3.72% 3.39% 3.16% 3.14% 3.15% 2.90% 2.74% 2.74% 2.73% 2.93% 2.94% 2.68% 2.51% 2.51% 2.54% 2.33% 2.21% 2.21% 2.22% Ending Fed Funds Rate Upper Bound Average Interest-Bearing Deposit Rate Average Total Deposit Rate 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026 9/30/2026 $56.7 $61.1 $62.4 3.15% 2.74% 2.73% Total Deposits Rate Paid on Average Total Interest-Bearing Deposits 9/30/2025 6/30/2026 9/30/2026 $61,141 $(212) $1,091 $(327) $511 $231 $62,435 6/30/2026 Non- Interest- Bearing Money Market CDs NOW and Interest- Bearing Demand Deposits Other Interest- Bearing 9/30/2026 Deposit Portfolio Enviable core deposit franchise in Chicago, Milwaukee and Grand Rapids market areas Strong Organic Deposit Growth in the Third Quarter • Third quarter deposit growth totaling $1.3 billion or 8% annualized • Year-over-year deposit growth of $5.7 billion, or 10%, was supported by strong organic growth and market share gains in our key markets • Growth across a wide range of deposit products highlights our strong deposit franchise Highlights ($ in Millions) ($ in Billions) Quarterly Growth Primarily from Money Market Products, NOW and Interest-Bearing Demand Deposits 1 Includes Savings and Wealth Management Deposits which represent deposit balances of the Company’s subsidiary banks from brokerage customers of Wintrust Investments, Chicago Deferred Exchange Company, LLC (“CDEC”), and trust and asset management customers of the Company. 1 Deposit Beta Chart Pending 5.00% 4.50% 4.25% 3.75%3.72% 3.39% 3.15% 2.90% 2.93% 2.68% 2.54% 2.33% Fed Funds Upper Target Interest-Bearing Deposit Rate Total Deposit Rate 9/30/2024 12/31/2024 9/30/2025 12/31/2025 The Federal Reserve raised the fed funds rate upper bound to 4.00% on 9/16/2026 Deposit Costs Remain Stable in Third Quarter • Third quarter deposit growth totaling $1.3 billion or 8% annualized • Year-over-year deposit growth of $5.7 billion, or 10%, was supported by strong organic growth • Growth across a wide range of deposit products highlights our strong deposit franchise

ORGANIZATION NAME 9 $7.6 $3.1 $0.1 Available-for-Sale Held-to-Maturity Other Continued Year-over-Year Growth in CET1Stable Capital Levels Strategically Balanced Investment Portfolio (as of 9/30/2026) ($ in Billions) Capital/Liquidity Capital levels are well in excess of regulatory thresholds 10.2% 10.4% 10.5% 9/30/2025 6/30/2026 9/30/2026 10.2% 10.4% 10.5% 10.9% 11.1% 11.2% 12.4% 12.4% 12.5% 9.5% 9.8% 9.8% CET1 Ratio Tier 1 Capital Ratio Total Capital Ratio Tier 1 Leverage Ratio 9/30/2025 6/30/2026 9/30/2026 Total Investment Portfolio Yield (Q3 '26): 4.04% Duration: 6.0 Years $10.8 Highlights 1Ratios for Q3 2026 are estimated 1 1 • The Company's capital levels are well in excess of regulatory thresholds and improving despite strong loan growth • Investment portfolio at 14% of total assets as of September 30, 2026 Pending 222 $92.13 $(6.57) $(0.44) $3.06 $88.18 6/30/2026 AOCI Guardianship Acquisition Impact Earnings & Other 9/30/2026 Tangible Book Value (non-GAAP) Impacted by changes in AOCI Pending Pending Pending

ORGANIZATION NAME 10 $4.11 $5.50 $6.03 $6.19 $7.08 $9.03 $11.65 $14.84 $16.07 $17.28 $18.97 $19.02 $20.78 $23.22 $25.80 $26.72 $29.28 $29.93 $32.45 $33.17 $37.08 $41.68 $44.67 $49.70 $53.23 $59.64 $61.00 $70.33 $75.39 $88.66 $88.18 Tangible Book Value Per Common Share (non-GAAP) 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 20 24 20 25 9/30 /20 26 Tangible Book Value Per Common Share (non-GAAP) Wintrust has grown TBV Per Common Share every year since going public in 1996. TBV Per Common Share was $88.18 as of September 30, 2026

ORGANIZATION NAME 11 Total Shareholder Return Wintrust's commitment to growing shareholder value is exemplified by generally outperforming the KBW Nasdaq Regional Banking Total Return Index (KRXTR) Total Shareholder Return of WTFC Compared to KRXTR (1-Year) 100% 109% 113% WTFC KRXTR 9/30 /20 25 9/30 /20 26 80% 100% 120% 140% Total Shareholder Return of WTFC Compared to KRXTR (3-Year) 100% 146% 180% 196% 133% 148% 168% WTFC KRXTR 9/30 /20 23 9/30 /20 24 9/30 /20 25 9/30 /20 26 50% 100% 150% 200% 250% Total Shareholder Return of WTFC Compared to KRXTR (5-Year) 100% 103% 98% 141% 173% 187% 93% 76% 102% 113% 128% WTFC KRXTR 9/30 /20 21 9/30 /20 22 9/30 /20 23 9/30 /20 24 9/30 /20 25 9/30 /20 26 0% 50% 100% 150% 200% 250% 300% Total Shareholder Return of WTFC Compared to KRXTR (10-Year) 100% 142% 155% 120% 78% 153% 157% 149% 212% 258% 279% 129% 133% 122% 82% 162% 150% 124% 165% 182% 207% WTFC KRXTR 9/30 /20 16 9/30 /20 17 9/30 /20 18 9/30 /20 19 9/30 /20 20 9/30 /20 21 9/30 /20 22 9/30 /20 23 9/30 /20 24 9/30 /20 25 9/30 /20 26 50% 100% 150% 200% 250% 300% 350% * Data Source: S&P Capital IQ

ORGANIZATION NAME 12 As of September 30, 2026 • Collars Weighted Average Cap Rate: 3.70% • Collars Weighted Average Floor Rate: 2.21% • Receive Fixed Swaps Weighted Average Rate: 3.80% • Interest Rate Floor Weighted Average Strike Rate: 2.50% $6.65 $6.55 $6.75 $6.75 $5.25 $4.45 $4.85 $5.05 $5.05 $4.80 $1.75 $1.25 $1.25 $1.25 $0.45 $0.45 $0.45 $0.45 $0.45 Received Fixed Swaps Costless Collars Interest Rate Floor 9/30/2026 12/31/2026 3/31/2027 6/30/2027 9/30/2027 $567.0 $597.4 $621.6 3.50% 3.52% 3.51% Net Interest Income NIM, fully taxable-equivalent (non-GAAP) 9/30/2025 6/30/2026 9/30/2026 Net Interest Margin/Income Net interest margin within guidance range; coupled with strong earning asset growth generated net interest income growth Record Net Interest Income in Q3 2026 Derivatives Held by the Company as of September 30, 2026 that Hedge the Cash Flows of Variable Rate Loans1 ($ in Billions) ($ in Millions) Highlights 1 Balances shown represent the notional amount of cash flow hedging derivatives that are effective as of the dates presented. Reference the Appendix for the complete derivative schedule As of December 31, 2025 Collars Weighted Average Cap Rate: 3.70% Collars Weighted Average Floor Rate: 2.21% Receive Fixed Swaps Weighted Average Rate: 3.82% Interest Rate Floor Weighted Average Strike Rate: 2.50% • We are well-positioned for strong financial performance as we expect the combination of a stable net interest margin and balance sheet growth to result in strong net interest income growth through 2026 • Hedging activities help manage our interest rate risk. We anticipate that the repricing of variable rate loans and cash is substantially offset by the impact of hedges and deposit rate changes • We believe we are well-positioned for strong financial performance as we expect the combination of a stable net interest margin and balance sheet growth to result in strong net interest income growth through 2026 • Hedging activities help manage our interest rate risk, reduce volatility in net interest income, and support net interest income margin stability across a range of rate environments Pending Pending

ORGANIZATION NAME 13 $37.2 $39.9 $41.0 $46.3 $49.7 $51.5 Total Wealth Management Revenue Client Assets Under Administration ($ in billions) Q3 2025 Q2 2026 Q3 2026 Non-Interest Income Diversified fee businesses supported year-over-year growth in non-interest income levels despite challenging mortgage environment Steady Growth in Wealth Management AUA and Revenue $130.8 $141.3 $136.3 $37.2 $39.9 $41.0 $15.5 $18.8 $18.4 $19.8 $21.2 $22.2 $33.8 $34.0 $29.2 $24.5 $27.4 $25.5 Wealth Management Operating Lease Income, net Service Charges on Deposits Other ; incl. Call Option Income Mortgage Banking Q3 2025 Q2 2026 Q3 2026 $643.4 $834.9 $618.5 $505.8 $660.3 $487.1 $137.6 $174.6 $131.4 Retail Originations Veterans First Originations Q3 2025 Q2 2026 Q3 2026 Decrease in Mortgage Originations for Sale Driven by Higher Interest Rates MSRs Effectively Hedged to Moderate Impact to Fair Value Year-over-Year Increase Across All Major Categories 1 ($ in Millions) ($ in Millions) % of MSRs to Loans Serviced for Others Q3 2025 Q2 2026 Q3 2026 1.52% 1.59% 1.86% $190.9 $201.9 $238.5 $12,524 $12,670 $12,791 MSRs, at fair value Loans Serviced for Others Q3 2025 Q2 2026 Q3 2026 ($ in Millions) ($ in Millions) 1 Other - includes Interest Rate Swap Fees, BOLI, Administrative Services, FX Remeasurement Gains/(Losses), Early Pay-Offs of Capital Leases, Gains/(losses) on investment securities, net, Fees from covered call options, Trading gains/(losses), net and Miscellaneous Pending Pending

ORGANIZATION NAME 14 • Non-interest expense totaled $405.7 million in the third quarter of 2026 compared to $397.5 million in the second quarter of 2026 • The increase was primarily attributable to seasonally higher advertising and marketing expenses and higher FDIC insurance expense following the reversal of the FDIC special assessment in the second quarter • Non-interest expense totaled $405.7 million in the third quarter of 2026, decreasing $1.9 million, compared to $397.5 million in the second quarter of 2026 • The decrease was primarily due to lower travel and entertainment expenses, along with decreased advertising and marketing, reflecting typical first-quarter seasonality Non-Interest Expense We continue to manage our expenses in line with company growth Quarterly Decrease Driven by Salaries and Benefits Related to Lower Payroll Taxes and Deferred Compensation Efficiency Ratio Improved Quarter-Over-Quarter Strong Asset Growth Coupled With Prudent Expense Management $219.7 $234.1 $230.5 $124.6 $129.9 $128.6 $56.2 $62.4 $61.9 $38.8 $41.8 $40.0 Salaries Commissions and Incentive Compensation Benefits Q3 2025 Q2 2026 Q3 2026 54.47% 53.76% 53.22% Efficiency Ratio (non-GAAP) Q3 2025 Q2 2026 Q3 2026 $45.1 $50.1 $52.9 $56.3 $64.9 $71.1 $76.0 2.51% 2.42% 2.33% 2.45% 2.36% 2.26% 2.19% Total Assets Non-Interest Expense as a % of Average Assets FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 9/30/2026 ($ in Millions) ($ in Billions) Highlights

ORGANIZATION NAME 15 $481.2 $14.2 $(9.3) $486.1 6/30/2026 Portfolio Changes Macroeconomic Scenario 9/30/2026 $24.6 $13.4 $21.0$21.8 $23.1 $25.9 0.19% 0.10% 0.15% NCOs Provision for Credit Losses Annualized NCOs as a % of Average Total Loans Q3 2025 Q2 2026 Q3 2026 $162.6 $179.3 $176.9 $125.1 $135.2 $126.1 $37.5 $44.1 $50.8 0.31% 0.32% 0.31% NPLs as a % of Total Loans PFR - Life and Property & Casualty NPLs Commercial, CRE and Other NPLs 9/30/2025 6/30/2026 9/30/2026 $53,961 $55,232 Q2 2026 Q3 2026 $1,034 $893 Q2 2026 Q3 2026 $660 $680 Q2 2026 Q3 2026 Pass and Loans Guaranteed1 Special Mention Substandard2 1 Pass and Loans Guaranteed: Includes early buy-out loans guaranteed by U.S. government agencies 2 Substandard: Substandard includes Substandard Accrual and Substandard Nonaccrual/Doubtful 97% 97% 2% 2% 1% 1% Credit Quality Diversified business lines and strong credit management support stable credit quality Low and Consistent Levels of Non-Performing Loans ($ in Millions) ($ in Millions) Special Mention and Substandard Percentages Remained Stable Quarter over Quarter ($ in Millions) Allowance For Credit Losses Quarter over Quarter ($ in Millions) 3 Portfolio Changes: Includes new volume and run-off, changes in credit quality, shifts in segmentation mix, impact of net charge-offs, and changes in qualitative factors 3 Provision Remains Stable Pending Pending

ORGANIZATION NAME 16 0.25% 0.40% 0.45% 0.41% 0.46% 0.48% 0.34% 0.51% 0.29% 0.34% 0.39% 0.81% 1.58% 1.74% 1.52% 1.30% 1.03% 0.85% 0.62% 0.56% 0.50% 0.47% 0.44% 0.36% 0.32% 0.16% 0.21% 0.27% 0.30% 0.29% 0.25% NPA/TA 19 96 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 20 24 20 25 9/30 /20 26 1Q2 2024 is a Preliminary Number Non-Performing Assets to Total Assets NPAs continue to remain historically lowCurrent Quarter is hardcoded due to format

ORGANIZATION NAME 17 • Increase in allowance for credit losses driven by portfolio changes, primarily due to changes in credit quality and new volume • Coverage across all portfolios remains stable to protect against downside risks in an uncertain macroeconomic environment Prior Year is not included in the spreadsheet. The Prior Year for All charts are Hardcoded $52.1 $55.7 $56.8 0.87% 0.86% 0.86% Total Loan Period End Balance Allowance as a % of Total Loans 9/30/2025 6/30/2026 9/30/2026 $30.6 $32.7 $33.9 1.34% 1.24% 1.22% Core Loan Period End Balance Allowance as a % of Category 9/30/2025 6/30/2026 9/30/2026 $21.5 $22.9 $22.9 0.21% 0.32% 0.31% Niche Loan Period End Balance Allowance as a % of Category 9/30/2025 6/30/2026 9/30/2026 Credit Quality - Allowance for Credit Losses The Company remains well-reserved Consistently Well-Reserved Across Our Core1 Loan PortfolioAppropriate Allowance Coverage on Total Loan Portfolio ($ in Billions) ($ in Billions) Allowance Provides Proper Coverage due to Minimal Historic Losses in Niche1 Portfolio ($ in Billions) 1 Niche Loans consists of: Franchise, Mortgage warehouse lines of credit, Community Advantage - homeowners association, Insurance entity lending, Premium Finance receivables, and Consumer and other. All other loans are considered Core 1 1 Manual Input - All Data comes from Mike Reiser Q3 2026 Highlights Pending

ORGANIZATION NAME 18 $189.5 $234.8 $240.1 1.15% 1.28% 1.31% Calculated Allowance Allowance as a % of Category 9/30/2025 6/30/2026 9/30/2026 $66.6 $90.6 $85.7 0.40% 0.50% 0.47% NPLs NPL as a % of Category 9/30/2025 6/30/2026 9/30/2026 $16,544 $18,281 $18,342 0.49% 0.20% 0.39% Period End Balance Net Charge-Off Ratio (Annualized) 9/30/2025 6/30/2026 9/30/2026 44% 9% 5% 17% 7% 9% 3% 6% Commercial and industrial Asset-based lending Municipal Leases Franchise Mortgage warehouse lines of credit Community Advantage - HOA Insurance entity lending Credit Quality - Commercial Loans Diversified portfolio with low net charge-offs Stable Levels of Non-Performing Commercial LoansConsistent Loan Growth Coupled with Proactive Credit Management ($ in Millions) ($ in Millions) Allowance Provides Appropriate Coverage Commercial Loan Composition (as of 9/30/2026) ($ in Millions) Prior Year is not included in the spreadsheet. The Prior Year for bottom left chart is Hardcoded

ORGANIZATION NAME 19 $230.5 $209.9 $209.1 1.69% 1.47% 1.40% Calculated Allowance Allowance as a % of Category 9/30/2025 6/30/2026 9/30/2026 $13,619 $14,271 $14,961 0.00% 0.02% (0.05)% Period End Balance Net Charge-Off Ratio (Annualized) 9/30/2025 6/30/2026 9/30/2026 $28.2 $17.2 $13.0 0.21% 0.12% 0.09% NPLs NPL as a % of Category 9/30/2025 6/30/2026 9/30/2026 24% 24% 16% 13% 11% 10% 2% Multi-family Industrial Commercial and Residential construction Mixed use and other Office Retail Land Credit Quality - Commercial Real Estate Loans Well-diversified portfolio with a majority of its exposure in stabilized, income producing properties Continued Low Levels of Non-Performing LoansSolid Growth in Portfolio with Strong Credit Quality ($ in Millions) ($ in Millions) Commercial Real Estate Loan Composition (as of 9/30/2026) ($ in Millions) Allowance Continues to Provide Appropriate Coverage Prior Year is not included in the spreadsheet. The Prior Year for bottom left chart is Hardcoded

ORGANIZATION NAME 20 Credit Quality Premium Finance Receivable - Life Insurance Life insurance portfolio remains steady with no charge-offs and low levels of non-performing loans $0.0 $0.0 $10.4 0.00% 0.00% 0.11% NPLs NPL as a % of Category 9/30/2025 6/30/2026 9/30/2026 $9,446 $2,178 Cash Surrender Value Other $8,759 $9,313 $9,539 0.00% 0.00% 0.00% Period End Balance Net Charge-Off Ratio (Annualized) 9/30/2025 6/30/2026 9/30/2026 1 Loan Collateral reported at actual values versus credit advance rate 2 Collateral Coverage is calculated by dividing Total Loan Collateral (Undiscounted) by Total Loan Portfolio Balance 5% 74% 5% 16% Annuity Brokerage Account Certificate of Deposit Letters of Credit OtherCollateral Coverage2 of 122% Manageable Levels of Non-Performing LoansSustained Growth with Stellar Credit Quality ($ in Millions) ($ in Millions) Total Loan Collateral1 by Type (as of 9/30/2026) "Other" Loan Collateral1 by Type (as of 9/30/2026) ($ in Millions)

ORGANIZATION NAME 21 Consistent Low Level of Non-Performing LoansLoans Remained Stable Following Seasonal Growth in Q2 $8,366 $8,612 $8,624 0.20% 0.16% 0.22% Period End Balance Net Charge-Off Ratio (Annualized) 9/30/2025 6/30/2026 9/30/2026 $4,909 $5,368 $5,007 Originations Q3 2025 Q2 2026 Q3 2026 $37.5 $44.1 $40.4 0.45% 0.51% 0.47% NPLs NPL as a % of Category 9/30/2025 6/30/2026 9/30/2026 $4,345 $2,819 $1,215 $245 Current Premium Finance Receivables - Property and Casualty Insurance Loan Balances Projected to Mature Based on Modeled Contractual Cash Flows ≤ 3 Months 4-6 Months 7-9 Months > 9 months Premium Finance Receivables - Property and Casualty Insurance Steady year-over-year growth in portfolio with solid credit quality ($ in Millions) ($ in Millions) Projected Repayments Origination Volume ($ in Millions) ($ in Millions) Manual Input - Data comes from Mark B Manual Input - Data comes from Thanos Polyzois and Matt for Canada Pending Pending

ORGANIZATION NAME 22 Illinois Market1 (Sorted by 2026 Market Share Data) 2024 2025 2026 JPMorgan Chase 20.1% 20.1% 20.5% BMO Bank 18.9% 18.3% 17.5% Wintrust Financial Corporation 8.0% 8.6% 9.0% CIBC Bank USA 7.3% 7.7% 8.0% Bank of America 8.3% 7.9% 6.8% The Northern Trust Company 6.0% 6.4% 6.8% Fifth Third Bank 4.8% 4.3% 4.3% PNC Bank 3.2% 3.3% 3.2% U.S. Bank 2.5% 2.5% 2.8% Old National Bank 2.5% 2.8% 2.7% Deposit Market Share in the Markets We Serve Wintrust serves over 300,000 consumer banking households and 50,000 commercial middle market and small business clients Wisconsin Market3 (Sorted by 2026 Market Share Data) 2024 2025 2026 U.S. Bank 24.0% 25.2% 25.5% BMO Bank 14.7% 13.1% 12.5% Associated Bank 9.9% 10.0% 10.3% JPMorgan Chase 9.7% 9.6% 10.1% Johnson Bank 4.0% 4.1% 4.1% Wintrust Financial Corporation 3.4% 3.5% 3.5% First Business Bank 2.4% 2.7% 2.9% Lake Ridge Bank 2.2% 2.2% 2.3% Old National Bank 2.3% 2.4% 2.1% Wells Fargo 2.3% 2.0% 2.0% Michigan Market2 (Sorted by 2026 Market Share Data) 2024 2025 2026 Fifth Third Bank 19.6% 17.2% 19.7% Huntington 19.5% 18.3% 17.7% Northpointe Bank 11.1% 14.2% 15.7% Wintrust Financial Corporation 7.8% 9.3% 9.1% JPMorgan Chase 9.9% 9.0% 8.9% Mercantile Bank 6.3% 6.7% 6.3% West Michigan Community Bank 2.9% 2.9% 3.2% PNC Bank 3.1% 3.0% 2.9% ChoiceOne Bank 2.6% 2.7% 2.8% Independent Bank 3.0% 2.9% 2.6% 1Illinois market is defined by Cook, DuPage, Kane, Lake, McHenry, Will and Winnebago counties 2Michigan market is defined by Allegan, Kent, and Ottawa counties Wintrust Midwest Branch Locations 4 3Wisconsin market is defined by Dane, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth and Waukesha counties 4Indiana market is defined by Lake county; Wintrust market share approx. 1.6% Data Source: Federal Deposit Insurance Corporation as of June 30th of each year

ORGANIZATION NAME Appendix

ORGANIZATION NAME 24 Mortgage Credit, 53% Business Credit, 15% Private Equity Funds, 15% Other NDFI Loans, 17% • Warehouse lines of credit primarily to large well-capitalized residential mortgage originators • Secured primarily by first mortgages with identified investors • XXXX • XXX Non-Depository Financial Institutions (NDFI) Lending (as of 9/30/2026) NDFI lending represents a conservative 6% of the total loan portfolio in low risk sectors NDFI Loan Portfolio Breakdown ($ in Millions) $477 $500$565 $1,749 Highlights $3,291 Mortgage Credit • NDFI Loans represent approximately 6% of the total loan portfolio as of September 30, 2026 • The majority of the portfolio consists of Mortgage Credit loans which are warehouse lines of credit secured primarily by first mortgages Q3 2026 Takeaways Business Credit Private Equity Funds Other NDFI Loans • Comprises mainly loans to well established leasing companies • Loans to private credit lenders limited to less than $50mm • No exposure to Business Development Companies (BDCs) • Subscription lines to private equity, private credit, and CRE investment funds • Short term loans repaid by investor contributions from institutional funds, pension funds, insurance companies, and high net worth individuals • Consists of diverse pool of financial service entities including broker dealers, RIAs, insurance companies, and captive finance companies associated with commercial borrowers 1 NDFI balance is an estimate pending the filing of Wintrust Financial Corporation's FRY-9C. 1 Pending

ORGANIZATION NAME 25 Hedging activities had no material impact to our Q3 2026 NIM, as compared to a one basis point favorable impact to our Q2 2026 NIM. These derivatives moderate our interest rate sensitivity and serve the purpose of stabilizing net interest income performance across various interest rate scenarios. Hedge Type Effective Date Notional Maturity Date Cap Rate Floor Rate Swap Rate Costless Collar 10/1/2022 $0.50B 10/1/2026 4.32% 2.75% N/A Costless Collar 9/1/2022 $1.25B 9/1/2027 3.45% 2.00% N/A Costless Collar Total $1.75B Interest Rate Floor 9/15/2025 $0.20B 9/15/2028 N/A 2.50% N/A Interest Rate Floor 12/1/2025 $0.25B 12/1/2029 N/A 2.50% N/A Interest Rate Floor Total $0.45B Receive Fixed Swap 1/31/2023 $0.50B 12/31/2026 N/A N/A 3.51% Receive Fixed Swap 2/1/2023 $0.25B 2/1/2027 N/A N/A 3.45% Receive Fixed Swap 4/1/2023 $0.25B 7/1/2027 N/A N/A 4.15% Receive Fixed Swap 3/1/2023 $0.25B 3/1/2028 N/A N/A 3.53% Receive Fixed Swap 3/1/2023 $0.25B 3/1/2028 N/A N/A 3.75% Receive Fixed Swap 10/1/2024 $0.35B 10/1/2029 N/A N/A 3.99% Receive Fixed Swap 11/1/2024 $0.35B 11/1/2029 N/A N/A 4.25% Receive Fixed Swap 11/1/2025 $0.25B 11/1/2029 N/A N/A 3.30% Receive Fixed Swap 11/1/2025 $0.25B 11/1/2030 N/A N/A 3.55% Receive Fixed Swap 11/1/2025 $0.25B 11/1/2030 N/A N/A 3.82% Receive Fixed Swap 2/1/2026 $0.25B 2/1/2031 N/A N/A 3.95% Receive Fixed Swap 2/1/2026 $0.25B 2/1/2031 N/A N/A 4.25% Receive Fixed Swap 4/1/2026 $0.25B 4/1/2031 N/A N/A 3.69% Receive Fixed Swap 6/1/2026 $0.25B 6/1/2031 N/A N/A 3.79% Receive Fixed Swap 6/1/2026 $0.25B 6/1/2031 N/A N/A 3.90% Receive Fixed Swap 10/1/2026 $0.20B 10/1/2031 N/A N/A 3.38% Receive Fixed Swap 10/1/2026 $0.25B 10/1/2031 N/A N/A 4.20% Receive Fixed Swap 10/1/2026 $0.20B 10/1/2031 N/A N/A 4.39% Receive Fixed Swap 10/1/2026 $0.15B 10/1/2031 N/A N/A 4.71% Receive Fixed Swap 10/1/2026 $0.10B 10/1/2031 N/A N/A 4.70% Receive Fixed Swap 6/1/2026 $0.25B 12/1/2031 N/A N/A 4.00% Receive Fixed Swap 3/1/2027 $0.25B 3/1/2032 N/A N/A 3.43% Receive Fixed Swap 3/1/2027 $0.20B 3/1/2032 N/A N/A 3.60% Received Fixed Swap Total $5.80B Below are the details of the derivatives entered by the Company as of September 30, 2026. These derivatives hedge the cash flows of variable rate loans that reprice monthly based on one-month term SOFR. Hedge Strategy Update Use of Hedges to Stabilize NIM and Mitigate Potential Negative Impacts of Falling Rates Pending

ORGANIZATION NAME 26 Chicago CBD, 8% Other CBD, 9% Suburban, 83% $380.5 $297.9 $310.3 $266.9 $235.8 $168.1 $130.8 $173.5 $183.4 $138.9 $134.7 $25.2 Total CRE Office Non-Medical Non Owner-Occupied <$2M $2M-$5M $5M-$10M $10M-$15M $15M-$20M >=$20M CRE Office Portfolio Geography CRE Office Portfolio (as of 9/30/2026) CRE office represents a minimal percentage of the total loan portfolio Medical Non Owner- Occupied, 36% Medical Owner Occupied, 2% Non-Medical Owner- Occupied, 15% Non-Medical Non Owner- Occupied, 47% 1Chicago CBD includes the following zip codes: 60601, 60602, 60603, 60604, 60605, 60606, 60607, 60610, 60611, 60654, 60661 2Other CBD includes the following metropolitan areas: Milwaukee, Boulder, Orlando, Saint Paul, Columbus, Cincinnati, San Antonio 1 2$1,376.9 $147.7 $134.9 $786.5 $243.4 $593.1 252887 93 56 43 25 21 11 8 5 Number of Loans Per Category ($ in Millions) CRE Office Portfolio Composition Granularity of CRE Office Portfolio by Loan Size ($ in Millions) ($ in Millions) Portfolio Characteristics As of 6/30/2026 As of 9/30/2026 Balance ($ in Millions) $1,607 $1,660 CRE office as a % to Total CRE 11.26% 11.09% CRE office as a % to Total Loans 2.89% 2.92% Average Size of Loan ($ in Millions) $1.5 $1.6 Non-Performing Loan (NPL) Ratio 0.64% 0.40% Loans Still Accruing that are 30-89 Days Past Due Ratio 1.49% 0.47% Owner Occupied or Medical % 50% 53% $36.5 Manual Input - Data Comes from Mario's Team Chicago CBD $ 158.8 Other CBD $ 168.9 Suburban $ 1,360.9 Total $ 1,688.6 1 14 Considering Removing This Slide and Adding to Earnings Playbook for Exec Reference Pending

271Geographic Diversification: primary business location utilized to estimate geographic diversification, which can mean the following locations types were used: collateral location, customer business location, customer home address and customer billing address States/Jurisdictions that individually comprise 1% or less of the Total Loan Portfolio shaded light blue Loan Portfolio Highly diversified portfolio across U.S Loan Portfolio - Geographic Diversification1 (as of 9/30/2026) 31% 9% 6% 6% 4% 5% 3% 2% 2% 2% 3% 1%Canada: Total Loan Portfolio Primary Geographic Region Commercial: Commercial, industrial and other Midwest Leasing Nationwide Franchise Lending Nationwide Commercial real estate Construction and development Midwest Non-construction Midwest Home equity Midwest Residential Real Estate Midwest Premium finance receivables Commercial insurance loans Nationwide and Canada Life insurance loans Nationwide Consumer and other Midwest 4% 4% 2% New Image Pending 2%

ORGANIZATION NAME 28 Glossary Abbreviation Definition AUA Assets Under Administration AOCI Accumulated Other Comprehensive Income/(Loss) BOLI Bank Owned Life Insurance BP Basis Point BV Book Value per Common Share CBD Central Business District CET1 Ratio Common Equity Tier 1 Capital Ratio CRE Commercial Real Estate Diluted EPS Net Income per Common Share - Diluted FDIC Federal Deposit Insurance Corporation GAAP Generally Accepted Accounting Principles HOA Homeowners Association Interest Bearing Cash Total Interest-Bearing Deposits with Banks, Securities Purchased under Resale Agreements and Cash Equivalents MSA Metropolitan Statistical Area MSR Mortgage Servicing Right NCO Net Charge Off NDFI Non-Depository Financial Institutions NII Net Interest Income NIM Net Interest Margin Non-GAAP For non-GAAP metrics, see the reconciliation in the Appendix NPA Non-Performing Asset NPL Non-Performing Loan OREO Other Real Estate Owned PFR Premium Finance Receivables PTPP Pre-Tax, Pre-Provision Income RIA Registered Investment Adviser ROA Return on Assets ROE Return on Average Common Equity ROTCE Return on Average Tangible Common Equity RWA Risk-Weighted Asset SOFR Secured Overnight Financing Rate TA Total Assets TBV Tangible Book Value TBVPCS Tangible Book Value Per Common Share

ORGANIZATION NAME 29 Three Months Ended Nine Months Ended Reconciliation of non-GAAP Net Interest Margin and Efficiency Ratio ($ in Thousands): September 30, June 30, March 31, December 31, September 30, September 30, September 30, 2026 2026 2026 2025 2025 2026 2025 (A) Interest Income (GAAP) $ 1,002,861 $ 961,412 $ 927,560 $ 956,326 $ 963,834 $ 2,891,833 $ 2,771,707 Taxable-equivalent adjustment: - Loans 2,151 2,111 2,026 2,134 2,154 6,288 6,560 - Liquidity Management Assets 610 630 586 661 675 1,826 2,045 - Other Earning Assets — — — — — — 3 (B) Interest Income (non-GAAP) $ 1,005,622 $ 964,153 $ 930,172 $ 959,121 $ 966,663 $ 2,899,947 $ 2,780,315 (C) Interest Expense (GAAP) 381,257 364,046 348,536 372,452 396,824 1,093,839 1,131,529 (D) Net Interest Income (GAAP) (A minus C) 621,604 597,366 579,024 583,874 567,010 1,797,994 1,640,178 (E) Net Interest Income (non-GAAP) (B minus C) 624,365 600,107 581,636 586,669 569,839 1,806,108 1,648,786 Net interest margin (GAAP) 3.49 % 3.50 % 3.54 % 3.52 % 3.48 % 3.51 % 3.51 % Net interest margin, fully taxable-equivalent (non-GAAP) 3.51 % 3.52 % 3.56 % 3.54 % 3.50 % 3.53 % 3.53 % (F) Non-interest income $ 136,273 $ 141,269 $ 134,142 $ 130,390 $ 130,827 $ 411,684 $ 371,550 (G) (Losses) gains on investment securities, net (1,621) 1,845 (31) 1,505 2,972 193 6,818 (H) Non-interest expense 405,665 397,537 382,632 384,453 380,028 1,185,834 1,127,579 Efficiency ratio (H/(D+F-G)) 53.41 % 53.96 % 53.65 % 53.94 % 54.69 % 53.67 % 56.24 % Efficiency ratio (non-GAAP) (H/(E+F-G)) 53.22 % 53.76 % 53.45 % 53.73 % 54.47 % 53.47 % 56.00 % The accounting and reporting policies of Wintrust conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP performance measures and ratios are used by management to evaluate and measure the Company’s performance. Management believes that these measures and ratios provide users of the Company’s financial information a more meaningful view of the performance of the Company's interest-earning assets and interest-bearing liabilities and of the Company’s operating efficiency. Other financial holding companies may define or calculate these measures and ratios differently. Reconciliation of non-GAAP Pre-Tax, Pre-Provision Income ($ in Thousands): Income before taxes $ 326,333 $ 317,964 $ 300,940 $ 302,223 $ 296,041 $ 945,237 $ 816,184 Add: Provision for credit losses 25,879 23,134 29,594 27,588 21,768 78,607 67,965 Pre-tax income, excluding provision for credit losses (non- GAAP) $ 352,212 $ 341,098 $ 330,534 $ 329,811 $ 317,809 $ 1,023,844 $ 884,149 Non-GAAP Reconciliation

ORGANIZATION NAME 30 Non-GAAP Reconciliation Three Months Ended Nine Months Ended Reconciliation of non-GAAP Return on Average Tangible Common Equity ($ in Thousands): September 30, June 30, March 31, December 31, September 30, September 30, September 30, 2026 2026 2026 2025 2025 2026 2025 (N) Net income applicable to common shares $ 230,687 $ 225,326 $ 219,021 $ 214,657 $ 188,913 $ 675,034 $ 559,497 Add: Intangible asset amortization 4,686 4,921 4,958 4,999 5,196 14,565 16,394 Less: Tax effect of intangible asset amortization (1,251) (1,304) (1,210) (1,310) (1,403) (3,772) (4,328) After-tax intangible asset amortization $ 3,435 $ 3,617 $ 3,748 $ 3,689 $ 3,793 $ 10,793 $ 12,066 (O) Tangible net income applicable to common shares (non-GAAP) $ 234,122 $ 228,943 $ 222,769 $ 218,346 $ 192,706 $ 685,827 $ 571,563 Total average shareholders’ equity $ 7,558,263 $ 7,474,449 $ 7,387,713 $ 7,166,608 $ 6,955,543 $ 7,474,100 $ 6,761,319 Less: Average preferred stock (425,000) (425,000) (425,000) (425,000) (483,288) (425,000) (498,626) (P) Total average common shareholders’ equity $ 7,133,263 $ 7,049,449 $ 6,962,713 $ 6,741,608 $ 6,472,255 $ 7,049,100 $ 6,262,693 Less: Average intangible assets (895,137) (889,059) (894,211) (901,022) (906,032) (892,805) (910,972) (Q) Total average tangible common shareholders’ equity (non-GAAP) $ 6,238,126 $ 6,160,390 $ 6,068,502 $ 5,840,586 $ 5,566,223 $ 6,156,295 $ 5,351,721 Return on average common equity, annualized (N/P) 12.83 % 12.82 % 12.76 % 12.63 % 11.58 % 12.80 % 11.94 % Return on average tangible common equity, annualized (non-GAAP) (O/ Q) 14.89 % 14.91 % 14.89 % 14.83 % 13.74 % 14.89 % 14.28 % The accounting and reporting policies of Wintrust conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP performance measures and ratios are used by management to evaluate and measure the Company’s performance. Management believes that these measures and ratios provide users of the Company’s financial information a more meaningful view of the performance of the Company's interest-earning assets and interest-bearing liabilities and of the Company’s operating efficiency. Other financial holding companies may define or calculate these measures and ratios differently.

ORGANIZATION NAME 31 Non-GAAP Reconciliation The accounting and reporting policies of Wintrust conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP performance measures and ratios are used by management to evaluate and measure the Company’s performance. Management believes that these measures and ratios provide users of the Company’s financial information a more meaningful view of the performance of the Company's interest-earning assets and interest-bearing liabilities and of the Company’s operating efficiency. Other financial holding companies may define or calculate these measures and ratios differently. Three Months Ended Nine Months Ended Reconciliation of Non-GAAP Net Income per Common Share: ($ in Thousands): September 30, June 30, March 31, December 31, September 30, September 30, September 30, 2026 2026 2026 2025 2025 2026 2025 Net income $ 239,054 $ 233,693 $ 227,388 $ 223,024 $ 216,254 $ 700,135 $ 600,820 Preferred stock dividends 8,367 8,367 8,367 8,367 13,295 25,101 27,277 Preferred stock redemption — — — — 14,046 — 14,046 (R) Net income applicable to common shares $ 230,687 $ 225,326 $ 219,021 $ 214,657 $ 188,913 $ 675,034 $ 559,497 (S) Weighted average common shares outstanding 67,467 67,434 67,246 66,970 66,952 67,383 66,871 Dilutive potential common shares 911 852 851 1,143 1,028 876 945 (T) Average common shares and dilutive common shares 68,378 68,286 68,097 68,113 67,980 68,259 67,816 Net income per common share - Basic (R/S) $3.42 $3.34 $3.26 $3.21 $2.82 $10.02 $8.37 Net income per common share - Diluted (R/T) $3.37 $3.30 $3.22 $3.15 $2.78 $9.89 $8.25 Preferred stock series F excess one-time extended first dividend $ — $ — $ — $ — $ 4,927 $ — $ 4,927 Preferred stock redemption — — — — 14,046 — 14,046 (U) Total non-recurring preferred stock offering impact (non-GAAP) $ — $ — $ — $ — $ 18,973 $ — $ 18,973 Net income per common share - Basic (non-GAAP) (R+U)/S $3.42 $3.34 $3.26 $3.21 $3.11 $10.02 $8.65 Net income per common share - Diluted (non-GAAP) (R+U)/T $3.37 $3.30 $3.22 $3.15 $3.06 $9.89 $8.53

ORGANIZATION NAME 32 Non-GAAP Reconciliation The accounting and reporting policies of Wintrust conform to generally accepted accounting principles (“GAAP”) in the United States and prevailing practices in the banking industry. However, certain non-GAAP performance measures and ratios are used by management to evaluate and measure the Company’s performance. Management believes that these measures and ratios provide users of the Company’s financial information a more meaningful view of the performance of the Company's interest-earning assets and interest-bearing liabilities and of the Company’s operating efficiency. Other financial holding companies may define or calculate these measures and ratios differently. Three Months Ended Reconciliation of non-GAAP Tangible Common Equity ($'s and Shares in Thousands): September 30, June 30, March 31, December 31, September 30, 2026 2026 2026 2025 2025 Total shareholders’ equity (GAAP) $ 7,289,546 $ 7,525,116 $ 7,378,100 $ 7,258,715 $ 7,045,757 Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (425,000) (425,000) (425,000) Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (895,959) (902,936) (I) Total tangible common shareholders’ equity (non-GAAP) $ 5,949,852 $ 6,214,778 $ 6,062,402 $ 5,937,756 $ 5,717,821 (J) Total assets (GAAP) $ 75,971,620 $ 74,668,135 $ 72,157,433 $ 71,142,046 $ 69,629,638 Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (895,959) (902,936) (K) Total tangible assets (non-GAAP) $ 75,056,926 $ 73,782,797 $ 71,266,735 $ 70,246,087 $ 68,726,702 Common equity to assets ratio (GAAP) (L/J) 9.0 % 9.5 % 9.6 % 9.6 % 9.5 % Tangible common equity ratio (non-GAAP) (I/K) 7.9 % 8.4 % 8.5 % 8.5 % 8.3 % Reconciliation of non-GAAP Tangible Book Value per Common Share ($'s and Shares in Thousands): Total shareholders’ equity $ 7,289,546 $ 7,525,116 $ 7,378,100 $ 7,258,715 $ 7,045,757 Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (425,000) (425,000) (425,000) (L) Total common equity $ 6,864,546 $ 7,100,116 $ 6,953,100 $ 6,833,715 $ 6,620,757 (M) Actual common shares outstanding 67,472 67,455 67,437 66,975 66,961 Book value per common share (L/M) $101.74 $105.26 $103.10 $102.03 $98.87 Tangible book value per common share (non-GAAP) (I/M) $88.18 $92.13 $89.90 $88.66 $85.39

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XML — IDEA: XBRL DOCUMENT

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Filename: R1.htm · Sequence: 52

v3.26.3

Document and Entity Information Document

Oct. 19, 2026

Entity Information [Line Items]

Document Type

8-K

Document Period End Date

Oct. 19, 2026

Entity Registrant Name

WINTRUST FINANCIAL CORP

Entity Incorporation, State or Country Code

IL

Entity File Number

001-35077

Entity Tax Identification Number

36-3873352

Entity Address, Address Line One

9700 W. Higgins Road

Entity Address, Address Line Two

Suite 800

Entity Address, City or Town

Rosemont

Entity Address, State or Province

IL

Entity Address, Postal Zip Code

60018

City Area Code

847

Local Phone Number

939-9000

Written Communications

false

Soliciting Material

false

Pre-commencement Tender Offer

false

Pre-commencement Issuer Tender Offer

false

Entity Emerging Growth Company

false

Entity Central Index Key

0001015328

Amendment Flag

false

Common Stock, no par value

Entity Information [Line Items]

Title of 12(b) Security

Common Stock, no par value

Trading Symbol

WTFC

Security Exchange Name

NASDAQ

7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value

Entity Information [Line Items]

Title of 12(b) Security

7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value

Trading Symbol

WTFCN

Security Exchange Name

NASDAQ

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- Definition

Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.

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- Definition

Area code of city

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- Definition

For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.

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- Definition

The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.

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- Definition

Address Line 1 such as Attn, Building Name, Street Name

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Address Line 2 such as Street or Suite number

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- Definition

Name of the City or Town

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- Definition

Code for the postal or zip code

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- Definition

Name of the state or province.

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- Definition

A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Indicate if registrant meets the emerging growth company criteria.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.

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- Definition

Two-character EDGAR code representing the state or country of incorporation.

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- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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- Definition

The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection b-2

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- Definition

Local phone number for entity.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.

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- Definition

Title of a 12(b) registered security.

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-Name Exchange Act

-Number 240

-Section 12

-Subsection b

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- Definition

Name of the Exchange on which a security is registered.

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-Publisher SEC

-Name Exchange Act

-Number 240

-Section 12

-Subsection d1-1

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Number 240

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- Definition

Trading symbol of an instrument as listed on an exchange.

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- Definition

Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.

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Reference 1: http://www.xbrl.org/2003/role/presentationRef

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-Name Securities Act

-Number 230

-Section 425

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