WINTRUST FINANCIAL CORP Earnings Summary — Q1 FY2026

• Assets reached a significant milestone of $71 billion, reflecting a decade of robust regional expansion in Chicago and Southern Wisconsin.
• Integrated Macatawa Bank Corporation during the prior periods, continuing a successful strategy of disciplined bolt-on acquisitions.
• The core strategy remains a hybrid of organic community banking and centralization of high-cost operational functions.
• Credit quality remains a focus, with internal monitoring showing a majority of securities held at investment grade (1-4 rating).
• Maintained strong liquidity and capitalization, navigating inflationary periods without requiring external capital injections.
• The company's loan portfolio is diversified across Commercial, CRE, Residential Real Estate, and Premium Finance segments.

Management emphasizes a 'service-first' culture to drive retention of high-value commercial clients. Focus remains on managing net interest margin trends and maintaining discipline in credit quality as the bank scales toward new regulatory asset thresholds.

Stable

Management maintains a consistent execution strategy characterized by continuity and deep Midwestern market expertise, following a year of record profitability.

The outlook remains focused on compound growth through a decentralized community banking model. Growth is expected to be fueled by a mix of organic loan expansion and strategic acquisitions, though management remains mindful of interest rate sensitivity and its impact on mortgage banking volatility.