SEC EDGAR · 10-Q
10-Q – 2025-08-06 – wtfc-20250630.htm
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Omsättning
- ITEM 2. Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity Securities | 80
- Accrued interest receivable and other assets 1,610,025 1,739,334 1,671,334 | Receivable on unsettled securities sales 240,039 — —
- Junior subordinated debentures 253,566 253,566 253,566 | Payable on unsettled securities sales 39,105 — — | Accrued interest payable and other liabilities 1,572,981 1,785,061 1,861,295
- Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs 7,244 ( 3,896 ) | Proceeds from sales of mortgage loans held-for-sale 1,149,356 1,083,551
- Losses (gains) on sales of premises and equipment, net 409 ( 112 ) | Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 316 )
- Losses (gains) on sales of premises and equipment, net 409 ( 112 ) | Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 316 ) | Decrease (increase) in accrued interest receivable and other assets, net 90,322 ( 88,565 )
- Investing Activities: | Proceeds from calls and sales of available-for-sale securities 465,078 690,866 | Proceeds from payments and maturities of available-for-sale securities 259,210 193,605
- Proceeds from sales of equity securities with readily determinable fair value 5,000 51,792 | Proceeds from sales and capital distributions of equity securities without readily determinable fair value — 2,226
Periodens resultat
- Income tax expense 71,561 58,955 135,577 121,617 | Net income $ 195,527 $ 152,388 $ 384,566 $ 339,682 | Preferred stock dividends 6,991 6,991 13,982 13,982
- Preferred stock dividends 6,991 6,991 13,982 13,982 | Net income applicable to common shares $ 188,536 $ 145,397 $ 370,584 $ 325,700 | Net income per common share—Basic $ 2.82 $ 2.35 $ 5.55 $ 5.28
- Net income applicable to common shares $ 188,536 $ 145,397 $ 370,584 $ 325,700 | Net income per common share—Basic $ 2.82 $ 2.35 $ 5.55 $ 5.28 | Net income per common share—Diluted $ 2.78 $ 2.32 $ 5.47 $ 5.21
- Net income per common share—Basic $ 2.82 $ 2.35 $ 5.55 $ 5.28 | Net income per common share—Diluted $ 2.78 $ 2.32 $ 5.47 $ 5.21 | Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.00 $ 0.90
- 2024 | Net income $ 195,527 $ 152,388 $ 384,566 $ 339,682 | Unrealized gains (losses) on available-for-sale securities
- Net of tax 3,970 ( 15,275 ) 59,341 ( 72,562 ) | Reclassification of net (losses) gains on available-for-sale securities included in net income | Before tax ( 87 ) 1,204 ( 388 ) 1,178
- Net income — — — — 152,388 — 152,388 | Other comprehensive loss, net of tax — — — — — ( 27,050 ) ( 27,050 )
- Net income — — — — 339,682 — 339,682 | Other comprehensive loss, net of tax — — — — — ( 150,967 ) ( 150,967 )
Resultat per aktie
- (17) Accumulated Other Comprehensive Income or Loss and Earnings Per Share
- Earnings per Share
- The following table shows the computation of basic and diluted earnings per share for the periods indicated:
- Potentially dilutive common shares can result from stock options, restricted stock unit awards and shares to be issued under the Employee Stock Purchase Plan and the Directors Deferred Fee and Stock Plan, being treated as if they had been either exercised or issued, computed by application of the treasury stock method. While potentially dilutive common shares are typically included in the computation of diluted earnings per share, potentially dilutive common shares are excluded from this computa
- Per GAAP, prior issuance costs from Series D Preferred Stock and Series E Preferred Stock will be reclassified, upon redemption, from capital surplus and recognized through retained earnings. These amounts do not impact operating net income but will be considered as a reduction to net income available to common shareholders and will impact earnings per share calculations. The following table represents the Series F Preferred Stock offering and Series D and Series E Preferred Stock redemption est
- 67,819 67,819 67,819 | Diluted EPS Impact $ (0.10) $ (0.40) $ (0.12)
Kassaflöde
- The Company’s approach to restructuring or modifying loans is built on its credit risk rating system, which requires credit management personnel to assign a credit risk rating to each loan. In each case, the loan officer is responsible for recommending a credit risk rating for each loan and ensuring the credit risk ratings are appropriate. These credit risk ratings are then reviewed and approved by the bank’s chief credit officer and/or concurrence credit officer. Credit risk ratings are determi
- The MSR asset fair value is determined by using a discounted cash flow model that incorporates the objective characteristics of the portfolio as well as subjective valuation parameters that purchasers of servicing would apply to such portfolios sold into the secondary market. The subjective factors include loan prepayment speeds, discount rates, servicing costs and other economic factors. The Company uses a third party to assist in the valuation of MSRs.
- The Company recognizes derivative financial instruments in the consolidated financial statements at fair value regardless of the purpose or intent for holding the instrument. The Company records derivative assets and derivative liabilities on the Consolidated Statements of Condition within accrued interest receivable and other assets and accrued interest payable and other liabilities, respectively. Changes in the fair value of derivative financial instruments are either recognized in income or i
- Changes in fair values of derivatives accounted for as fair value hedges are recorded in income in the same period and in the same income statement line as changes in the fair values of the hedged items that relate to the hedged risk(s). Changes in fair values of derivative financial instruments accounted for as cash flow hedges are recorded as a component of accumulated other comprehensive income or loss, net of deferred taxes, and reclassified to earnings when the hedged transaction affects ea
- Derivatives designated as hedging instruments under ASC 815: | Interest rate derivatives designated as Cash Flow Hedges $ 57,245 $ 7,329 $ 7,532 $ 11,314 $ 56,084 $ 96,825 | Interest rate derivatives designated as Fair Value Hedges 6,207 10,001 12,678 549 87 —
- Cash Flow Hedges of Interest Rate Risk
- The Company’s objectives in using interest rate derivatives are to add stability to net interest income and to manage its exposure to interest rate movements. To accomplish these objectives, the Company primarily uses interest rate swaps and interest rate collars as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable-rate amounts to or from a counterparty in exchange for the Company receiving or paying fixed-rate
- As of June 30, 2025, the Company had various interest rate collar and swap derivatives designated as cash flow hedges of variable rate loans. When the relationship between the hedged item and hedging instrument is highly effective at achieving offsetting changes in cash flows attributable to the hedged risk, changes in the fair value of these cash flow hedges are recorded in accumulated other comprehensive income or loss and are subsequently reclassified to interest income as interest payments a
Likvida medel
- Net Cash Provided by Financing Activities 3,709,169 3,264,269 | Net Increase (Decrease) in Cash and Cash Equivalents 237,028 ( 7,940 ) | Cash and Cash Equivalents at Beginning of Period 458,536 423,464
- Net Increase (Decrease) in Cash and Cash Equivalents 237,028 ( 7,940 ) | Cash and Cash Equivalents at Beginning of Period 458,536 423,464 | Cash and Cash Equivalents at End of Period $ 695,564 $ 415,524
- Cash and Cash Equivalents at Beginning of Period 458,536 423,464 | Cash and Cash Equivalents at End of Period $ 695,564 $ 415,524
- (4) Cash and Cash Equivalents
- For purposes of the Consolidated Statements of Cash Flows, the Company considers cash and cash equivalents to include cash on hand, cash items in the process of collection, non-interest bearing amounts due from correspondent banks, federal funds sold and securities purchased under resale agreements with original maturities of three months or less. These items are included within the Company’s Consolidated Statements of Condition as cash and due from banks, and federal funds sold and securities p
- Financial Assets: | Cash and cash equivalents $ 695,564 $ 695,564 $ 458,536 $ 458,536 $ 415,524 $ 415,524
- Not all the financial instruments listed in the table above are subject to the disclosure provisions of ASC Topic 820, as certain assets and liabilities result in their carrying value approximating fair value. These include cash and cash equivalents, interest-bearing deposits with banks, brokerage customer receivables, FHLB and FRB stock, accrued interest receivable and accrued interest payable and non-maturity deposits.
Nettoskuld
- Net income $ 384,566 $ 339,682 | Adjustments to reconcile net income to net cash provided by operating activities | Provision for credit losses 46,197 61,734
- (Decrease) increase in accrued interest payable and other liabilities, net ( 240,645 ) 83,207 | Net Cash Provided by Operating Activities 448,910 292,365 | Investing Activities:
- Purchases of premises and equipment, net ( 9,710 ) ( 49,759 ) | Net Cash Used for Investing Activities ( 3,921,051 ) ( 3,564,574 ) | Financing Activities:
- Dividends paid ( 80,807 ) ( 69,465 ) | Net Cash Provided by Financing Activities 3,709,169 3,264,269 | Net Increase (Decrease) in Cash and Cash Equivalents 237,028 ( 7,940 )
Eget kapital
- Liabilities and Shareholders’ Equity | Deposits:
- Total liabilities 61,757,622 58,535,371 54,244,888 | Shareholders’ Equity: | Preferred stock, no par value; 20,000,000 shares authorized:
- Accumulated other comprehensive loss ( 366,233 ) ( 508,335 ) ( 512,198 ) | Total shareholders’ equity 7,225,696 6,344,297 5,536,628 | Total liabilities and shareholders’ equity $ 68,983,318 $ 64,879,668 $ 59,781,516
- Total shareholders’ equity 7,225,696 6,344,297 5,536,628 | Total liabilities and shareholders’ equity $ 68,983,318 $ 64,879,668 $ 59,781,516
- WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES | CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
- stock Retained | earnings Accumulated other comprehensive loss Total shareholders’ equity | Balance at March 31, 2024
- Securities having a carrying value of $ 7.3 billion at June 30, 2025 as well as securities having a carrying value of $ 6.9 billion and $ 7.6 billion at December 31, 2024 and June 30, 2024, respectively, were pledged as collateral for public deposits, trust deposits, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) discount window, securities sold under repurchase agreements and derivatives. At June 30, 2025, there were no securities of a single issuer, other than U.S. gove
- The Company recognizes derivative financial instruments in the consolidated financial statements at fair value regardless of the purpose or intent for holding the instrument. The Company records derivative assets and derivative liabilities on the Consolidated Statements of Condition within accrued interest receivable and other assets and accrued interest payable and other liabilities, respectively. Changes in the fair value of derivative financial instruments are either recognized in income or i
Antal aktier
- Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑ | Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. | Common Stock — no par value, 66,952,288 shares, as of July 31, 2025
- Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.00 $ 0.90 | Weighted average common shares outstanding 66,931 61,839 66,829 61,660 | Dilutive potential common shares 888 926 903 901
- As of June 30, 2025, approximately 2,179,000 shares were available for future grants, assuming the maximum number of shares are issued for the performance awards outstanding, approved under the Company Stock Incentive Plans (“the Plans”). Descriptions of the Plans are included in Note (18) “Stock Compensation Plans and Other Employee Benefit Plans” of the 2024 Form 10-K.
- (1) Represents the remaining weighted average contractual life in years. | (2) Aggregate intrinsic value represents the total pre-tax intrinsic value (i.e., the difference between the Company’s stock price on the last trading day of the quarter and the option exercise price, multiplied by the number of shares) that would have been received by the option holders if they had exercised their options on the last day of the quarter. Options with exercise prices above the stock price on the last trading day of the quarter are excluded from the calculation of intrinsic value.
- Weighted average common shares outstanding (B) 66,931 61,839 66,829 61,660 | Effect of dilutive potential common shares
- (L) Total common equity $ 6,388,196 $ 6,188,037 $ 5,124,128 | (M) Actual common shares outstanding 66,938 66,919 61,760 | Book value per common share (L/M) $ 95.43 $ 92.47 $ 82.97
Antal anställda
- Management reviews yields on certain asset categories and the net interest margin of the Company and its banking subsidiaries on a fully taxable-equivalent (“FTE”) basis. 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 ba
- The increase in net income for the second quarter of 2025 as compared to the same period in the prior year is primarily attributable to increased net interest income and a lower provision for credit losses, partially offset by increased non-interest expense primarily due to increases in employees related to the growth of the Company, increased software and equipment expenses and amortization of intangible assets and other acquisition-related expenses that were not applicable in the same period i
- For the second quarter of 2025, net interest income totaled $546.7 million, an increase of $20.2 million as compared to the first quarter of 2025, and an increase of $76.1 million as compared to the second quarter of 2024. Net interest margin was 3.52% (3.54% on a FTE basis, non-GAAP) during the second quarter of 2025 compared to 3.54% (3.56% on a FTE basis, non-GAAP) during the first quarter of 2025, and 3.50% (3.52% on a FTE basis, non-GAAP) during the second quarter of 2024.
- Analysis of Changes in Net Interest Income on a FTE basis (non-GAAP)
- The following table presents an analysis of the changes in the Company’s net interest income on a FTE basis (non-GAAP) comparing the three month ended June 30, 2025 to each of the three month periods ended March 31, 2025 and June 30, 2024 and six month periods ended June 30, 2025 and 2024. The reconciliations set forth the changes in the net interest income on a FTE basis (non-GAAP) as a result of changes in volumes, changes in rates and differing number of days in each period:
- (In thousands) | Net interest income, FTE basis (non-GAAP) (1) for comparative period | $ 529,373 $ 473,485 $ 940,480
- Change due to number of days in each period 5,817 — (5,196) | Less: FTE adjustment (2,880) (2,880) (5,779) | Net interest income (GAAP) (1) for the period ended June 30, 2025
- $ 546,694 $ 546,694 $ 1,073,168 | FTE adjustment 2,880 2,880 5,779 | Net interest income, FTE basis (non-GAAP) (1)
Organisk tillväxt
- The Company recorded net income of $195.5 million for the second quarter of 2025 compared to $152.4 million in the second quarter of 2024. The results for the second quarter of 2025 demonstrate increased net interest income due to growth in earning assets as well as the Company’s ability to navigate disruptions in the current economic environment during the period due to the Company’s strong deposit franchise and balanced business model. Partially offsetting the increase in net interest income w
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2025-07-15 0001015328 wtfc:DepositarySharesSeriesEPreferredStockMember us-gaap:SubsequentEventMember 2025-07-15 2025-07-15 0001015328 us-gaap:SeriesEPreferredStockMember us-gaap:SubsequentEventMember 2025-07-15 0001015328 wtfc:DepositarySharesSeriesEPreferredStockMember us-gaap:SubsequentEventMember 2025-07-15 0001015328 us-gaap:SeriesFPreferredStockMember 2025-05-22 2025-05-22 0001015328 us-gaap:SeriesFPreferredStockMember 2025-05-22 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 _________________________________________ FORM 10-Q _________________________________________ ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-35077 _____________________________________ WINTRUST FINANCIAL CORP ORATION (Exact name of registrant as specified in its charter) Illinois 36-3873352 (State of incorporation or organization) (I.R.S. Employer Identification No.) 9700 W. Higgins Road, Suite 800 Rosemont , Illinois 60018 (Address of principal executive offices) ( 847 ) 939-9000 (Registrant’s telephone number, including area code) Common Stock, no par value Ticker Symbol Name of Each Exchange on Which Registered WTFC The Nasdaq Global Select Market Depositary Shares, Each Representing a 1/1,000 th 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 (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☑ No ☐ Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ☑ No ☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one): Large accelerated filer ☑ Accelerated filer ☐ Non-accelerated filer ☐ (Do not check if a smaller reporting company) Smaller reporting company ☐ 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. ☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. Common Stock — no par value, 66,952,288 shares, as of July 31, 2025 Table of Contents TABLE OF CONTENTS Page PART I. — FINANCIAL INFORMATION ITEM 1. Financial Statements 1 ITEM 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 48 ITEM 3. Quantitative and Qualitative Disclosures About Market Risk 78 ITEM 4. Controls and Procedures 79 PART II. — OTHER INFORMATION ITEM 1. Legal Proceedings 80 ITEM 1A. Risk Factors 80 ITEM 2. Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity Securities 80 ITEM 3. Defaults Upon Senior Securities NA ITEM 4. Mine Safety Disclosures NA ITEM 5. Other Information 81 ITEM 6. Exhibits 81 Signatures 82 Table of Contents PART I ITEM 1. FINANCIAL STATEMENTS WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CONDITION (Unaudited) (Unaudited) (Dollars in thousands, except per share data) June 30, 2025 December 31, 2024 June 30, 2024 Assets Cash and due from banks $ 695,501 $ 452,017 $ 415,462 Federal funds sold and securities purchased under resale agreements 63 6,519 62 Interest-bearing deposits with banks 4,569,618 4,409,753 2,824,314 Available-for-sale securities, at fair value 4,885,715 4,141,482 4,329,957 Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $ 398 , $ 457 and $ 491 at June 30, 2025, December 31, 2024 and June 30, 2024, respectively ($ 2.9 billion, $ 2.9 billion and $ 3.1 billion fair value at June 30, 2025, December 31, 2024 and June 30, 2024, respectively) 3,502,186 3,613,263 3,755,924 Trading account securities — 4,072 4,134 Equity securities with readily determinable fair value 273,722 215,412 112,173 Federal Home Loan Bank and Federal Reserve Bank stock 282,087 281,407 256,495 Brokerage customer receivables — 18,102 13,682 Mortgage loans held-for-sale, at fair value 299,606 331,261 411,851 Loans, net of unearned income 51,041,679 48,055,037 44,675,531 Allowance for loan losses ( 391,654 ) ( 364,017 ) ( 363,719 ) Net loans 50,650,025 47,691,020 44,311,812 Premises, software and equipment, net 776,324 779,130 722,295 Lease investments, net 289,768 278,264 275,459 Accrued interest receivable and other assets 1,610,025 1,739,334 1,671,334 Receivable on unsettled securities sales 240,039 — — Goodwill 798,144 796,942 655,955 Other acquisition-related intangible assets 110,495 121,690 20,607 Total assets $ 68,983,318 $ 64,879,668 $ 59,781,516 Liabilities and Shareholders’ Equity Deposits: Non-interest-bearing $ 10,877,166 $ 11,410,018 $ 10,031,440 Interest-bearing 44,939,645 41,102,331 38,017,586 Total deposits 55,816,811 52,512,349 48,049,026 Federal Home Loan Bank advances 3,151,309 3,151,309 3,176,309 Other borrowings 625,392 534,803 606,579 Subordinated notes 298,458 298,283 298,113 Junior subordinated debentures 253,566 253,566 253,566 Payable on unsettled securities sales 39,105 — — Accrued interest payable and other liabilities 1,572,981 1,785,061 1,861,295 Total liabilities 61,757,622 58,535,371 54,244,888 Shareholders’ Equity: Preferred stock, no par value; 20,000,000 shares authorized: Series D - $ 25 liquidation value; 5,000,000 shares issued and outstanding at June 30, 2025, December 31, 2024 and June 30, 2024 125,000 125,000 125,000 Series E - $ 25,000 liquidation value; 11,500 shares issued and outstanding at June 30, 2025, December 31, 2024 and June 30, 2024 287,500 287,500 287,500 Series F - $ 25,000 liquidation value; 17,000 shares issued and outstanding at June 30, 2025 and no shares issued and outstanding at December 31, 2024 and June 30, 2024 425,000 — — Common stock, no par value; $ 1.00 stated value; 100,000,000 shares authorized at June 30, 2025, December 31, 2024 and June 30, 2024; 67,025,001 shares issued at June 30, 2025, 66,560,182 shares issued at December 31, 2024 and 61,824,947 shares issued at June 30, 2024 67,025 66,560 61,825 Surplus 2,495,637 2,482,561 1,964,645 Treasury stock, at cost, 87,269 shares at June 30, 2025, 64,955 shares at December 31, 2024, and 64,808 shares at June 30, 2024 ( 9,156 ) ( 6,153 ) ( 5,760 ) Retained earnings 4,200,923 3,897,164 3,615,616 Accumulated other comprehensive loss ( 366,233 ) ( 508,335 ) ( 512,198 ) Total shareholders’ equity 7,225,696 6,344,297 5,536,628 Total liabilities and shareholders’ equity $ 68,983,318 $ 64,879,668 $ 59,781,516 See accompanying notes to unaudited consolidated financial statements. 1 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) Three Months Ended Six Months Ended (Dollars in thousands, except per share data) June 30, 2025 June 30, 2024 June 30, 2025 June 30, 2024 Interest income Interest and fees on loans $ 797,997 $ 749,812 $ 1,566,359 $ 1,460,153 Mortgage loans held-for-sale 4,872 5,434 9,118 9,580 Interest-bearing deposits with banks 34,317 19,731 71,083 36,389 Federal funds sold and securities purchased under resale agreements 276 17 455 36 Investment securities 78,053 69,779 150,069 139,457 Trading account securities — 13 11 31 Federal Home Loan Bank and Federal Reserve Bank stock 5,393 4,974 10,700 9,452 Brokerage customer receivables — 219 78 394 Total interest income 920,908 849,979 1,807,873 1,655,492 Interest expense Interest on deposits 333,470 335,703 653,703 635,235 Interest on Federal Home Loan Bank advances 25,724 24,797 51,165 46,845 Interest on other borrowings 6,957 8,700 13,749 17,948 Interest on subordinated notes 3,735 5,185 7,449 10,672 Interest on junior subordinated debentures 4,328 4,984 8,639 9,988 Total interest expense 374,214 379,369 734,705 720,688 Net interest income 546,694 470,610 1,073,168 934,804 Provision for credit losses 22,234 40,061 46,197 61,734 Net interest income after provision for credit losses 524,460 430,549 1,026,971 873,070 Non-interest income Wealth management 36,821 35,413 70,863 70,228 Mortgage banking 23,170 29,124 43,699 56,787 Service charges on deposit accounts 19,502 15,546 38,864 30,357 Gains (losses) on investment securities, net 650 ( 4,282 ) 3,846 ( 2,956 ) Fees from covered call options 5,624 2,056 9,070 6,903 Trading gains, net 151 70 87 747 Operating lease income, net 15,166 13,938 30,453 28,048 Other 23,005 29,282 43,841 71,613 Total non-interest income 124,089 121,147 240,723 261,727 Non-interest expense Salaries and employee benefits 219,541 198,541 431,067 393,714 Software and equipment 36,522 29,231 71,239 56,962 Operating lease equipment 10,757 10,834 21,228 21,517 Occupancy, net 20,228 19,585 41,006 38,671 Data processing 12,110 9,503 23,384 18,795 Advertising and marketing 18,761 17,436 31,033 30,476 Professional fees 9,243 9,967 18,287 19,520 Amortization of other acquisition-related intangible assets 5,580 1,122 11,198 2,280 FDIC insurance 10,971 10,429 21,897 24,966 Other real estate owned expense, net 505 ( 259 ) 1,148 133 Other 37,243 33,964 76,064 66,464 Total non-interest expense 381,461 340,353 747,551 673,498 Income before taxes 267,088 211,343 520,143 461,299 Income tax expense 71,561 58,955 135,577 121,617 Net income $ 195,527 $ 152,388 $ 384,566 $ 339,682 Preferred stock dividends 6,991 6,991 13,982 13,982 Net income applicable to common shares $ 188,536 $ 145,397 $ 370,584 $ 325,700 Net income per common share—Basic $ 2.82 $ 2.35 $ 5.55 $ 5.28 Net income per common share—Diluted $ 2.78 $ 2.32 $ 5.47 $ 5.21 Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.00 $ 0.90 Weighted average common shares outstanding 66,931 61,839 66,829 61,660 Dilutive potential common shares 888 926 903 901 Average common shares and dilutive common shares 67,819 62,765 67,732 62,561 See accompanying notes to unaudited consolidated financial statements. 2 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) Three Months Ended Six Months Ended (In thousands) June 30, 2025 June 30, 2024 June 30, 2025 June 30, 2024 Net income $ 195,527 $ 152,388 $ 384,566 $ 339,682 Unrealized gains (losses) on available-for-sale securities Before tax 5,365 ( 20,768 ) 80,191 ( 98,656 ) Tax effect ( 1,395 ) 5,493 ( 20,850 ) 26,094 Net of tax 3,970 ( 15,275 ) 59,341 ( 72,562 ) Reclassification of net (losses) gains on available-for-sale securities included in net income Before tax ( 87 ) 1,204 ( 388 ) 1,178 Tax effect 23 ( 319 ) 101 ( 312 ) Net of tax ( 64 ) 885 ( 287 ) 866 Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale Before tax 10 14 21 64 Tax effect ( 2 ) ( 4 ) ( 5 ) ( 17 ) Net of tax 8 10 16 47 Net unrealized gains (losses) on available-for-sale securities 4,026 ( 16,170 ) 59,612 ( 73,475 ) Unrealized gains (losses) on derivative instruments Before tax 29,964 ( 10,843 ) 88,037 ( 92,934 ) Tax effect ( 7,791 ) 2,868 ( 22,890 ) 24,581 Net unrealized gains (losses) on derivative instruments 22,173 ( 7,975 ) 65,147 ( 68,353 ) Foreign currency adjustment Before tax 21,398 ( 3,558 ) 21,120 ( 11,207 ) Tax effect ( 3,815 ) 653 ( 3,777 ) 2,068 Net foreign currency adjustment 17,583 ( 2,905 ) 17,343 ( 9,139 ) Total other comprehensive income (loss) 43,782 ( 27,050 ) 142,102 ( 150,967 ) Comprehensive income $ 239,309 $ 125,338 $ 526,668 $ 188,715 See accompanying notes to unaudited consolidated financial statements. 3 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED) (Dollars in thousands, except per share data) Preferred stock Common stock Surplus Treasury stock Retained earnings Accumulated other comprehensive loss Total shareholders’ equity Balance at March 31, 2024 $ 412,500 $ 61,798 $ 1,954,532 $ ( 5,757 ) $ 3,498,475 $ ( 485,148 ) $ 5,436,400 Net income — — — — 152,388 — 152,388 Other comprehensive loss, net of tax — — — — — ( 27,050 ) ( 27,050 ) Cash dividends declared on common stock, $ 0.45 per share — — — — ( 28,256 ) — ( 28,256 ) Dividends on Series D preferred stock, $ 0.41 per share and Series E preferred stock, $ 429.69 per share — — — — ( 6,991 ) — ( 6,991 ) Stock-based compensation — — 8,950 — — — 8,950 Common stock issued for: Restricted stock awards — 18 ( 50 ) ( 3 ) — — ( 35 ) Employee stock purchase plan — 9 893 — — — 902 Director compensation plan — — 320 — — — 320 Balance at June 30, 2024 $ 412,500 $ 61,825 $ 1,964,645 $ ( 5,760 ) $ 3,615,616 $ ( 512,198 ) $ 5,536,628 Balance at January 1, 2024 $ 412,500 $ 61,269 $ 1,943,806 $ ( 2,217 ) $ 3,345,399 $ ( 361,231 ) $ 5,399,526 Net income — — — — 339,682 — 339,682 Other comprehensive loss, net of tax — — — — — ( 150,967 ) ( 150,967 ) Cash dividends declared on common stock, $ 0.90 per share — — — — ( 55,483 ) — ( 55,483 ) Dividends on Series D preferred stock, $ 0.82 per share and Series E preferred stock, $ 859.38 per share — — — — ( 13,982 ) — ( 13,982 ) Stock-based compensation — — 18,107 — — — 18,107 Common stock issued for: Exercise of stock options — 1 24 — — — 25 Restricted stock awards — 523 ( 519 ) ( 3,543 ) — — ( 3,539 ) Employee stock purchase plan — 17 1,626 — — — 1,643 Director compensation plan — 15 1,601 — — — 1,616 Balance at June 30, 2024 $ 412,500 $ 61,825 $ 1,964,645 $ ( 5,760 ) $ 3,615,616 $ ( 512,198 ) $ 5,536,628 Balance at March 31, 2025 $ 412,500 $ 67,007 $ 2,494,347 $ ( 9,156 ) $ 4,045,854 $ ( 410,015 ) $ 6,600,537 Net income — — — — 195,527 — 195,527 Other comprehensive income, net of tax — — — — — 43,782 43,782 Cash dividends declared on common stock, $ 0.50 per share — — — — ( 33,467 ) — ( 33,467 ) Dividends on Series D preferred stock, $ 0.41 per share and Series E preferred stock, $ 429.69 per share — — — — ( 6,991 ) — ( 6,991 ) Stock-based compensation — — 10,164 — — — 10,164 Issuance of Series F Preferred Stock 425,000 — ( 10,788 ) — — — 414,212 Common stock issued for: Exercise of stock options — — 1 — — — 1 Restricted stock awards — 8 ( 8 ) — — — — Employee stock purchase plan — 9 981 — — — 990 Director compensation plan — 1 940 — — — 941 Balance at June 30, 2025 $ 837,500 $ 67,025 $ 2,495,637 $ ( 9,156 ) $ 4,200,923 $ ( 366,233 ) $ 7,225,696 Balance at January 1, 2025 $ 412,500 $ 66,560 $ 2,482,561 $ ( 6,153 ) $ 3,897,164 $ ( 508,335 ) $ 6,344,297 Net income — — — — 384,566 — 384,566 Other comprehensive income, net of tax — — — — — 142,102 142,102 Cash dividends declared on common stock, $ 1.00 per share — — — — ( 66,825 ) — ( 66,825 ) Dividends on Series D preferred stock, $ 0.82 per share and Series E preferred stock, $ 859.38 per share — — — — ( 13,982 ) — ( 13,982 ) Stock-based compensation — — 20,575 — — — 20,575 Issuance of Series F Preferred Stock 425,000 — ( 10,788 ) — — — 414,212 Common stock issued for: Exercise of stock options — 5 215 — — — 220 Restricted stock awards — 425 ( 425 ) ( 3,003 ) — — ( 3,003 ) Employee stock purchase plan — 16 1,749 — — — 1,765 Director compensation plan — 19 1,750 — — — 1,769 Balance at June 30, 2025 $ 837,500 $ 67,025 $ 2,495,637 $ ( 9,156 ) $ 4,200,923 $ ( 366,233 ) $ 7,225,696 See accompanying notes to unaudited consolidated financial statements. 4 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) Six Months Ended (In thousands) June 30, 2025 June 30, 2024 Operating Activities: Net income $ 384,566 $ 339,682 Adjustments to reconcile net income to net cash provided by operating activities Provision for credit losses 46,197 61,734 Depreciation, amortization and accretion, net 60,352 45,142 Stock-based compensation expense 20,575 18,107 Accretion of discount/premium on securities, net ( 1,787 ) ( 347 ) Accretion of discount and deferred fees on loans, net ( 10,341 ) ( 7,127 ) Mortgage servicing rights fair value changes 21,732 1,448 Non-designated derivatives fair value changes, net 75,299 ( 9,566 ) Originations and purchases of mortgage loans held-for-sale ( 1,141,999 ) ( 1,197,799 ) Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs 7,244 ( 3,896 ) Proceeds from sales of mortgage loans held-for-sale 1,149,356 1,083,551 Bank owned life insurance (“BOLI”) gains ( 3,053 ) ( 3,002 ) Decrease in trading securities, net 4,072 573 Decrease (increase) in brokerage customer receivables, net 18,102 ( 3,090 ) Gains on mortgage loans sold ( 28,461 ) ( 25,640 ) Gains on premium financing receivables sold — ( 4,575 ) (Gains) losses on investment securities, net, and dividend reinvestment on equity securities ( 3,846 ) 2,956 Losses (gains) on sales of premises and equipment, net 409 ( 112 ) Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 316 ) Decrease (increase) in accrued interest receivable and other assets, net 90,322 ( 88,565 ) (Decrease) increase in accrued interest payable and other liabilities, net ( 240,645 ) 83,207 Net Cash Provided by Operating Activities 448,910 292,365 Investing Activities: Proceeds from calls and sales of available-for-sale securities 465,078 690,866 Proceeds from payments and maturities of available-for-sale securities 259,210 193,605 Proceeds from payments, maturities and calls of held-to-maturity securities 110,752 100,276 Proceeds from sales of equity securities with readily determinable fair value 5,000 51,792 Proceeds from sales and capital distributions of equity securities without readily determinable fair value — 2,226 Purchases of available-for-sale securities ( 1,587,099 ) ( 1,118,596 ) Purchases of equity securities with readily determinable fair value ( 56,019 ) ( 24,000 ) Purchases of equity securities without readily determinable fair value ( 1,053 ) ( 5,972 ) Purchases of Federal Home Loan Bank and Federal Reserve Bank stock, net ( 680 ) ( 51,492 ) Distributions from investments in partnerships, net 1,161 2,239 Proceeds from sales of premium financing receivables, net — 627,450 Proceeds from sales of other real estate owned — 1,752 Increase in interest-bearing deposits with banks, net ( 150,218 ) ( 743,606 ) Increase in loans, net ( 2,957,473 ) ( 3,241,661 ) Redemption of BOLI — 306 Purchases of premises and equipment, net ( 9,710 ) ( 49,759 ) Net Cash Used for Investing Activities ( 3,921,051 ) ( 3,564,574 ) Financing Activities: Increase in deposit accounts, net 3,304,462 2,651,854 Increase (decrease) in other borrowings, net 70,551 ( 28,103 ) Increase in Federal Home Loan Bank advances, net — 850,238 Proceeds from the issuance of preferred stock, net 414,212 — Repayment of subordinated notes — ( 140,000 ) Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan 3,754 3,284 Common stock repurchases for tax withholdings related to stock-based compensation ( 3,003 ) ( 3,539 ) Dividends paid ( 80,807 ) ( 69,465 ) Net Cash Provided by Financing Activities 3,709,169 3,264,269 Net Increase (Decrease) in Cash and Cash Equivalents 237,028 ( 7,940 ) Cash and Cash Equivalents at Beginning of Period 458,536 423,464 Cash and Cash Equivalents at End of Period $ 695,564 $ 415,524 See accompanying notes to unaudited consolidated financial statements. 5 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS (1) Basis of Presentation The interim consolidated financial statements of Wintrust Financial Corporation and its subsidiaries (collectively, “Wintrust” or the “Company”) presented herein are unaudited, but in the opinion of management, reflect all necessary adjustments of a normal or recurring nature for a fair presentation of results as of the dates and for the periods covered by the interim consolidated financial statements. The accompanying interim consolidated financial statements are unaudited and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations or cash flows in accordance with U.S. generally accepted accounting principles (“GAAP”). The interim unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2024 (“2024 Form 10-K”). Operating results reported for the period are not necessarily indicative of the results which may be expected for the entire year. Reclassifications of certain prior period amounts have been made to conform to the current period presentation. The preparation of the financial statements requires management to make estimates, assumptions and judgments that affect the reported amounts of assets and liabilities. Management believes that the estimates made are reasonable; however, changes in estimates may be required if economic or other conditions develop differently from management’s expectations. Certain policies and accounting principles inherently have a greater reliance on the use of estimates, assumptions and judgments and as such have a greater possibility of producing results that could be materially different than originally reported. Management views critical accounting policies to be those which are highly dependent on subjective or complex judgments, estimates and assumptions, and where changes in those estimates and assumptions could have a significant impact on the financial statements. Management currently views the determination of the allowance for credit losses, including the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity securities losses, estimations of fair value, the valuations required for impairment testing of goodwill, the valuation and accounting for derivative instruments and income taxes as the accounting areas that require the most subjective and complex judgments, and as such could be the most subject to revision as new information becomes available. Descriptions of the Company’s significant accounting policies are included in Note (1) “Summary of Significant Accounting Policies” of the 2024 Form 10-K. In preparation of these financial statements, subsequent events were evaluated through the time the financial statements were issued. Financial statements are considered issued when they are widely distributed to all shareholders and other financial statement users or filed with the SEC. (2) Recent Accounting Developments Income Tax Disclosures In December 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2023-09, “Income Taxes (Topic 740): Improvements to Income Tax Disclosures,” to enhance the transparency and decision usefulness of income tax disclosures. This ASU requires annually that all entities disclose increasingly disaggregated information on amount of income taxes paid. Further, this ASU requires annually that all public entities must disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a specific quantitative threshold. This guidance is effective for fiscal years beginning after December 15, 2024, and is to be applied either on a prospective basis or retrospective basis. Early adoption is permitted. The Company expects adoption of this standard will expand income tax disclosures within the consolidated financial statements. Compensation – Scope Application of Profits Interest and Similar Awards In March 2024, the FASB issued ASU No. 2024-01, “Compensation – Stock Compensation (Topic 718): Scope Application of Profits Interest and Similar Awards” which clarifies the guidance by providing an illustrative example to demonstrate how an entity should apply the scope guidance in Topic 718 when determining whether profits interest and similar awards should be accounted for in accordance with Topic 718. For public business entities, this guidance is effective for fiscal years beginning after December 15, 2024, including interim periods therein, and is to be applied either on a prospective basis or retrospective basis. Early adoption is permitted. Adoption of this standard did not impact the Company’s consolidated financial statements. 6 Table of Contents Disaggregation of Income Statement Expenses In November 2024, the FASB issued ASU No. 2024-03, “Income Statement – Reporting Comprehensive Income – Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses,” which requires public business entities to disclose additional information about specific expense categories including employee compensation, depreciation, intangible asset amortization, etc., as well as qualitative descriptions of certain expenses, in the notes to the financial statements. This guidance is effective for fiscal years beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. The guidance is to be applied either prospectively or retrospectively. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements. Induced Conversions of Convertible Debt Instruments In November 2024, the FASB issued ASU No. 2024-04, “Debt – Debt with Conversion and Other Options (Subtopic 470-20): Induced Conversions of Convertible Debt Instruments” to clarify the requirements for determining whether certain settlements of convertible debt instruments should be accounted for as an induced conversion. This guidance is effective for fiscal years beginning after December 15, 2025, including interim periods therein, and is to be applied either on a prospective basis or retrospective basis. Early adoption is permitted. Adoption of this standard is expected to have no impact on the Company’s consolidated financial statements. Determining the Accounting Acquirer in the Acquisition of a Variable Interest Entity In May 2025, the FASB issued ASU No. 2025-03, “Business Combinations (Topic 805) and Consolidation (Topic 810): Determining the Accounting Acquirer in the Acquisition of a Variable Interest Entity” which requires an entity involved in an acquisition transaction affected by primarily exchanging equity interests when the legal acquirer is a variable interest entity that meets the definition of a business, to consider specific factors when determining which entity is the accounting acquirer. This guidance is effective for fiscal years beginning after December 15, 2026, including interim periods therein, and is to be applied on a prospective basis to any acquisition transaction that occurs after the initial application date. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements. (3) Business Combinations On August 1, 2024, the Company completed its previously announced acquisition of Macatawa Bank Corporation (“Macatawa”), the parent company of Macatawa Bank. Pursuant to the terms of the merger, each common share of Macatawa outstanding at the time of merger was converted into the right to receive 0.137 shares of Wintrust common stock, with cash paid in lieu of fractional shares. As a result, the Company issued approximately 4.7 million shares of common stock, the fair value of consideration paid was $ 499.3 million. Macatawa operates 26 full-service branches located throughout communities in Kent, Ottawa and northern Allegan counties in the state of Michigan. Macatawa offers a full range of banking, retail and commercial lending, wealth management and ecommerce services to individuals, businesses and governmental entities. As of August 1, 2024, Macatawa had fair values of approximately $ 2.9 billion in assets, $ 2.3 billion in deposits and $ 1.3 billion in loans. In conjunction with the acquisition, the Company recorded $ 53.7 million discount on acquired loans, $ 33.5 million discount on securities and recorded total intangibles of $ 253.0 million. The purchase accounting is finalized and is no longer subject to change. (4) Cash and Cash Equivalents For purposes of the Consolidated Statements of Cash Flows, the Company considers cash and cash equivalents to include cash on hand, cash items in the process of collection, non-interest bearing amounts due from correspondent banks, federal funds sold and securities purchased under resale agreements with original maturities of three months or less. These items are included within the Company’s Consolidated Statements of Condition as cash and due from banks, and federal funds sold and securities purchased under resale agreements. 7 Table of Contents (5) Investment Securities The following tables are a summary of the investment securities portfolios as of the dates shown: June 30, 2025 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities U.S. Treasury $ 12,979 $ 39 $ — $ 13,018 U.S. government agencies 50,000 — ( 4,176 ) 45,824 Municipal 182,761 1,120 ( 3,237 ) 180,644 Corporate notes: Financial issuers 82,000 — ( 3,199 ) 78,801 Other 1,000 — ( 2 ) 998 Mortgage-backed: (1) Residential mortgage-backed securities 4,618,492 3,960 ( 478,768 ) 4,143,684 Commercial (multi-family) mortgage-backed securities 130,464 115 ( 3,634 ) 126,945 Collateralized mortgage obligations 311,497 1,863 ( 17,559 ) 295,801 Total available-for-sale securities $ 5,389,193 $ 7,097 $ ( 510,575 ) $ 4,885,715 Held-to-maturity securities U.S. government agencies $ 313,540 $ — $ ( 64,071 ) $ 249,469 Municipal 156,753 296 ( 4,030 ) 153,019 Mortgage-backed: (1) Residential mortgage-backed securities 2,775,981 1,637 ( 548,063 ) 2,229,555 Commercial (multi-family) mortgage-backed securities 6,333 51 ( 113 ) 6,271 Collateralized mortgage obligations 196,446 982 ( 18,933 ) 178,495 Corporate notes 53,531 75 ( 1,000 ) 52,606 Total held-to-maturity securities $ 3,502,584 $ 3,041 $ ( 636,210 ) $ 2,869,415 Less: Allowance for credit losses ( 398 ) Held-to-maturity securities, net of allowance for credit losses $ 3,502,186 Equity securities with readily determinable fair value $ 273,789 $ 7,047 $ ( 7,114 ) $ 273,722 (1) None of our mortgage-backed securities are subprime. 8 Table of Contents December 31, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) Available-for-sale securities U.S. Treasury $ 37,858 $ 49 $ — $ 37,907 U.S. government agencies 50,000 — ( 5,055 ) 44,945 Municipal 188,405 528 ( 4,340 ) 184,593 Corporate notes: Financial issuers 83,997 — ( 3,828 ) 80,169 Other 1,000 — ( 7 ) 993 Mortgage-backed: (1) Residential Mortgage-backed securities 4,106,641 284 ( 553,287 ) 3,553,638 Commercial (multi-family) mortgage-backed securities 19,064 23 ( 755 ) 18,332 Collateralized mortgage obligations 238,574 1,187 ( 18,856 ) 220,905 Total available-for-sale securities $ 4,725,539 $ 2,071 $ ( 586,128 ) $ 4,141,482 Held-to-maturity securities U.S. government agencies $ 313,539 $ — $ ( 69,127 ) $ 244,412 Municipal 161,016 243 ( 5,290 ) 155,969 Mortgage-backed: (1) Residential Mortgage-backed securities 2,864,927 — ( 605,014 ) 2,259,913 Commercial (multi-family) mortgage-backed securities 6,364 — ( 252 ) 6,112 Collateralized mortgage obligations 211,023 815 ( 22,683 ) 189,155 Corporate notes 56,851 8 ( 1,870 ) 54,989 Total held-to-maturity securities $ 3,613,720 $ 1,066 $ ( 704,236 ) $ 2,910,550 Less: Allowance for credit losses ( 457 ) Held-to-maturity securities, net of allowance for credit losses $ 3,613,263 Equity securities with readily determinable fair value $ 220,758 $ 2,905 $ ( 8,251 ) $ 215,412 (1) None of our mortgage-backed securities are subprime. 9 Table of Contents June 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) Available-for-sale securities U.S. Treasury $ 102,721 $ 5 $ ( 14 ) $ 102,712 U.S. government agencies 50,000 — ( 4,808 ) 45,192 Municipal 151,347 390 ( 5,129 ) 146,608 Corporate notes: Financial issuers 83,996 — ( 7,011 ) 76,985 Other 1,000 — ( 10 ) 990 Mortgage-backed: (1) Mortgage-backed securities 4,320,215 361 ( 541,742 ) 3,778,834 Commercial (multi-family) mortgage-backed securities 18,096 8 ( 626 ) 17,478 Collateralized mortgage obligations 179,315 629 ( 18,786 ) 161,158 Total available-for-sale securities $ 4,906,690 $ 1,393 $ ( 578,126 ) $ 4,329,957 Held-to-maturity securities U.S. government agencies $ 336,458 $ — $ ( 70,928 ) $ 265,530 Municipal 166,400 155 ( 6,789 ) 159,766 Mortgage-backed: (1) Residential mortgage-backed securities 2,962,721 — ( 591,601 ) 2,371,120 Commercial (multi-family) mortgage-backed securities 6,390 — ( 300 ) 6,090 Collateralized mortgage obligations 227,247 362 ( 23,636 ) 203,973 Corporate notes 57,199 — ( 3,211 ) 53,988 Total held-to-maturity securities $ 3,756,415 $ 517 $ ( 696,465 ) $ 3,060,467 Less: Allowance for credit losses ( 491 ) Held-to-maturity securities, net of allowance for credit losses $ 3,755,924 Equity securities with readily determinable fair value $ 117,674 $ 2,882 $ ( 8,383 ) $ 112,173 (1) None of our mortgage-backed securities are subprime. Equity securities without readily determinable fair values totaled $ 66.7 million as of June 30, 2025. Equity securities without readily determinable fair values are included as part of accrued interest receivable and other assets in the Company’s Consolidated Statements of Condition. The Company monitors its equity investments without readily determinable fair values to identify potential transactions that may indicate an observable price change in orderly transactions for the identical or a similar investment of the same issuer, requiring adjustment to its carrying amount. During the three months ended June 30, 2025, the Company recorded no adjustment related to such observable price changes. During the six months ended June 30, 2025, the Company recorded no upward adjustment and a downward adjustment of $ 20,000 related to such observable price changes. During the three and six months ended June 30, 2024, the Company recorded no upward or downward adjustments related to such observable price changes. The Company conducts a quarterly assessment of its equity securities without readily determinable fair values to determine whether impairment exists in such securities, considering, among other factors, the nature of the securities, financial condition of the issuer and expected future cash flows. During the three and six months ended June 30, 2025, the Company recorded $ 1.1 million impairment of equity securities without readily determinable fair values. During the three and six months ended June 30, 2024, the Company recorded $ 3.7 million impairment of equity securities without readily determinable fair values. 10 Table of Contents The following table presents the portion of the Company’s available-for-sale investment securities portfolios that have gross unrealized losses, reflecting the length of time that individual securities have been in a continuous unrealized loss position at June 30, 2025: Continuous unrealized losses existing for less than 12 months Continuous unrealized losses existing for greater than 12 months Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Available-for-sale securities U.S. Treasury $ — $ — $ — $ — $ — $ — U.S. government agencies — — 45,824 ( 4,176 ) 45,824 ( 4,176 ) Municipal 46,160 ( 720 ) 50,763 ( 2,517 ) 96,923 ( 3,237 ) Corporate notes: Financial issuers — — 78,801 ( 3,199 ) 78,801 ( 3,199 ) Other — — 998 ( 2 ) 998 ( 2 ) Mortgage-backed: (1) Residential mortgage-backed securities 1,037,618 ( 12,905 ) 2,177,836 ( 465,863 ) 3,215,454 ( 478,768 ) Commercial (multi-family) mortgage-backed securities 92,662 ( 3,238 ) 6,107 ( 396 ) 98,769 ( 3,634 ) Collateralized mortgage obligations — — 64,098 ( 17,559 ) 64,098 ( 17,559 ) Total available-for-sale securities $ 1,176,440 $ ( 16,863 ) $ 2,424,427 $ ( 493,712 ) $ 3,600,867 $ ( 510,575 ) (1) None of our mortgage-backed securities are subprime. The Company conducts a regular assessment of its investment securities to determine whether securities are experiencing credit losses. Factors for consideration include the nature of the securities, credit ratings or financial condition of the issuer, the extent of the unrealized loss, expected cash flows, market conditions and the Company’s ability to hold the securities through the anticipated recovery period. The Company does not consider available-for-sale securities with unrealized losses at June 30, 2025 to be experiencing credit losses and recognized no resulting allowance for credit losses for such individually assessed credit losses. The Company does not intend to sell these investments and it is more likely than not that the Company will not be required to sell these investments before recovery of the amortized cost bases, which may be the maturity dates of the securities. The unrealized losses within each category have occurred as a result of changes in interest rates, market spreads and market conditions subsequent to purchase. Available-for-sale securities with continuous unrealized losses existing for more than twelve months at June 30, 2025 were primarily mortgage-backed securities with unrealized losses due to increased market rates during such period. See Note (7) “Allowance for Credit Losses” in Item 1 of this report for further discussion regarding any credit losses associated with held-to-maturity securities at June 30, 2025. 11 Table of Contents The following table provides information as to the amount of gross gains and losses, adjustments and impairment on investment securities recognized in earnings and proceeds received through the sale or call of investment securities: Three months ended June 30, Six months ended June 30, (In thousands) 2025 2024 2025 2024 Realized gains on investment securities $ 94 $ 1,325 $ 283 $ 2,360 Realized losses on investment securities ( 263 ) ( 21 ) ( 624 ) ( 129 ) Net realized (losses) gains on investment securities ( 169 ) 1,304 ( 341 ) 2,231 Unrealized gains on equity securities with readily determinable fair value 1,892 74 5,337 1,108 Unrealized losses on equity securities with readily determinable fair value — ( 1,931 ) ( 57 ) ( 2,564 ) Net unrealized gains on equity securities with readily determinable fair value 1,892 ( 1,857 ) 5,280 ( 1,456 ) Downward adjustments of equity securities without readily determinable fair values — — ( 20 ) — Impairment of equity securities without readily determinable fair values ( 1,073 ) ( 3,729 ) ( 1,073 ) ( 3,731 ) Adjustment and impairment, net, of equity securities without readily determinable fair values ( 1,073 ) ( 3,729 ) ( 1,093 ) ( 3,731 ) Gains (losses) on investment securities, net $ 650 $ ( 4,282 ) $ 3,846 $ ( 2,956 ) The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of June 30, 2025, December 31, 2024 and June 30, 2024, by contractual maturity, are shown in the following table. Contractual maturities may differ from actual maturities as borrowers may have the right to call or repay obligations with or without call or prepayment penalties. Mortgage-backed securities are not included in the maturity categories in the following maturity summary as actual maturities may differ from contractual maturities because the underlying mortgages may be called or prepaid without penalties: June 30, 2025 December 31, 2024 June 30, 2024 (In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Amortized Cost Fair Value Available-for-sale securities Due in one year or less $ 62,253 $ 62,243 $ 89,578 $ 89,392 $ 145,856 $ 145,599 Due in one to five years 151,056 148,424 157,883 153,325 139,409 131,506 Due in five to ten years 88,408 84,792 89,125 84,240 84,756 79,216 Due after ten years 27,023 23,826 24,674 21,650 19,043 16,166 Mortgage-backed 5,060,453 4,566,430 4,364,279 3,792,875 4,517,626 3,957,470 Total available-for-sale securities $ 5,389,193 $ 4,885,715 $ 4,725,539 $ 4,141,482 $ 4,906,690 $ 4,329,957 Held-to-maturity securities Due in one year or less $ 30,097 $ 29,819 $ 18,929 $ 18,658 $ 8,356 $ 8,213 Due in one to five years 99,929 98,644 110,897 108,056 114,457 109,845 Due in five to ten years 91,099 86,363 71,846 70,277 85,507 82,499 Due after ten years 302,699 240,268 329,734 258,379 351,737 278,727 Mortgage-backed 2,978,760 2,414,321 3,082,314 2,455,180 3,196,358 2,581,183 Total held-to-maturity securities $ 3,502,584 $ 2,869,415 $ 3,613,720 $ 2,910,550 $ 3,756,415 $ 3,060,467 Less: Allowance for credit losses ( 398 ) ( 457 ) ( 491 ) Held-to-maturity securities, net of allowance for credit losses $ 3,502,186 $ 3,613,263 $ 3,755,924 Securities having a carrying value of $ 7.3 billion at June 30, 2025 as well as securities having a carrying value of $ 6.9 billion and $ 7.6 billion at December 31, 2024 and June 30, 2024, respectively, were pledged as collateral for public deposits, trust deposits, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) discount window, securities sold under repurchase agreements and derivatives. At June 30, 2025, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity. 12 Table of Contents (6) Loans The following table shows the Company’s loan portfolio by category as of the dates shown: June 30, December 31, June 30, (Dollars in thousands) 2025 2024 2024 Balance: Commercial $ 16,387,431 $ 15,574,551 $ 14,154,462 Commercial real estate 13,292,010 12,903,944 11,947,197 Home equity 466,815 445,028 356,313 Residential real estate 3,948,782 3,612,765 3,067,335 Premium finance receivables—property & casualty 8,323,176 7,272,042 7,100,753 Premium finance receivables—life insurance 8,506,960 8,147,145 7,962,115 Consumer and other 116,505 99,562 87,356 Total loans, net of unearned income $ 51,041,679 $ 48,055,037 $ 44,675,531 Mix: Commercial 32 % 32 % 31 % Commercial real estate 26 27 27 Home equity 1 1 1 Residential real estate 8 8 7 Premium finance receivables—property & casualty 16 15 16 Premium finance receivables—life insurance 17 17 18 Consumer and other 0 0 0 Total loans, net of unearned income 100 % 100 % 100 % The Company’s loan portfolio is generally comprised of loans to consumers and small to medium-sized businesses, which, for the commercial and commercial real estate portfolios, are located primarily within the geographic market areas that the banks serve. Various niche lending businesses, including franchise lending and insurance agency lending, operate on a national level. The premium finance receivables portfolios are made to customers throughout the United States and Canada. The Company strives to maintain a loan portfolio that is diverse in terms of loan type, industry, borrower, and geographic concentrations. Such diversification reduces the exposure to economic downturns that may occur in different segments of the economy or in different industries. Certain premium finance receivables are recorded net of unearned income. The unearned income portions of such premium finance receivables were $ 284.0 million at June 30, 2025, $ 267.7 million at December 31, 2024 and $ 248.3 million at June 30, 2024. Total loans, excluding purchased credit deteriorated (“PCD”) loans, include net deferred loan fees and costs and fair value purchase accounting adjustments totaling $ 67.6 million at June 30, 2025, $ 78.2 million at December 31, 2024 and $ 89.6 million at June 30, 2024. It is the policy of the Company to review each prospective credit in order to determine the appropriateness and, when required, the adequacy of security or collateral necessary to obtain when making a loan. The type of collateral, when required, will vary from liquid assets to real estate. The Company seeks to ensure access to collateral, in the event of default, through adherence to state lending laws and the Company’s credit monitoring procedures. (7) Allowance for Credit Losses In accordance with Accounting Standards Codification (“ASC”) 326, the Company is required to measure the allowance for credit losses of financial assets with similar risk characteristics on a collective or pooled basis. In considering the segmentation of financial assets measured at amortized cost into pools, the Company considered various risk characteristics in its analysis. Generally, the segmentation utilized represents the level at which the Company develops and documents its systematic methodology to determine the allowance for credit losses for the financial assets held at amortized cost, specifically the Company's loan portfolio and debt securities classified as held-to-maturity. Descriptions of the Company’s loan portfolio segments and major debt security types are included in Note (5) “Allowance for Credit Losses” of the 2024 Form 10-K. 13 Table of Contents In accordance with ASC 326, the Company elected to not measure an allowance for credit losses on accrued interest. As such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. In addition, the Company elected to not include accrued interest within presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the Company's financial statements. Accrued interest related to financial assets held at amortized cost is included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition and totaled $ 341.3 million at June 30, 2025, $ 332.8 million at December 31, 2024, and $ 297.2 million at June 30, 2024. The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at June 30, 2025, December 31, 2024 and June 30, 2024: As of June 30, 2025 90+ days and still accruing 60-89 days past due 30-59 days past due (In thousands) Nonaccrual Current Total Loans Loan Balances (includes PCD): Commercial $ 80,877 $ — $ 34,855 $ 45,103 $ 16,226,596 $ 16,387,431 Commercial real estate Construction and development 3,200 — 3,271 1,721 2,520,925 2,529,117 Non-construction 29,628 — 7,986 49,452 10,675,827 10,762,893 Home equity 1,780 — 138 2,971 461,926 466,815 Residential real estate, excluding early buy-out loans 28,047 — 8,954 38 3,777,676 3,814,715 Premium finance receivables—property & casualty 30,404 14,350 25,641 29,460 8,223,321 8,323,176 Premium finance receivables—life insurance — 327 11,202 34,403 8,461,028 8,506,960 Consumer and other 41 184 61 175 116,044 116,505 Total loans, net of unearned income, excluding early buy-out loans $ 173,977 $ 14,861 $ 92,108 $ 163,323 $ 50,463,343 $ 50,907,612 Early buy-out loans guaranteed by U.S. government agencies (1) — 50,639 — — 83,428 134,067 Total loans, net of unearned income $ 173,977 $ 65,500 $ 92,108 $ 163,323 $ 50,546,771 $ 51,041,679 As of December 31, 2024 90+ days and still accruing 60-89 days past due 30-59 days past due (In thousands) Nonaccrual Current Total Loans Loan Balances (includes PCD): Commercial $ 73,490 $ 104 $ 54,844 $ 92,551 $ 15,353,562 $ 15,574,551 Commercial real estate Construction and development 2,282 — 1,339 4,634 2,425,826 2,434,081 Non-construction 18,760 — 9,182 26,132 10,415,789 10,469,863 Home equity 1,117 — 1,233 2,148 440,530 445,028 Residential real estate, excluding early buy-out loans 23,762 — 5,708 18,917 3,407,622 3,456,009 Premium finance receivables—property & casualty 28,797 16,031 19,042 68,219 7,139,953 7,272,042 Premium finance receivables—life insurance 6,431 — 72,963 36,405 8,031,346 8,147,145 Consumer and other 2 47 59 882 98,572 99,562 Total loans, net of unearned income, excluding early buy-out loans $ 154,641 $ 16,182 $ 164,370 $ 249,888 $ 47,313,200 $ 47,898,281 Early buy-out loans guaranteed by U.S. government agencies (1) — 33,952 618 2,335 119,851 156,756 Total loans, net of unearned income $ 154,641 $ 50,134 $ 164,988 $ 252,223 $ 47,433,051 $ 48,055,037 (1) Early buy-out loans are insured or guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. 14 Table of Contents As of June 30, 2024 90+ days and still accruing 60-89 days past due 30-59 days past due (In thousands) Nonaccrual Current Total Loans Loan Balances (includes PCD): Commercial $ 51,087 $ 304 $ 16,485 $ 36,358 $ 14,050,228 $ 14,154,462 Commercial real estate Construction and development 2,528 — 1,699 6,539 2,249,785 2,260,551 Non-construction 45,761 — 4,856 31,526 9,604,503 9,686,646 Home equity 1,100 — 275 1,229 353,709 356,313 Residential real estate, excluding early buy-out loans 18,198 — 1,977 130 2,912,852 2,933,157 Premium finance receivables—property & casualty 32,722 22,427 29,925 45,927 6,969,752 7,100,753 Premium finance receivables—life insurance — — 4,118 17,693 7,940,304 7,962,115 Consumer and other 3 121 81 366 86,785 87,356 Total loans, net of unearned income, excluding early buy-out loans $ 151,399 $ 22,852 $ 59,416 $ 139,768 $ 44,167,918 $ 44,541,353 Early buy-out loans guaranteed by U.S. government agencies (1) — 45,788 — — 88,390 134,178 Total loans, net of unearned income $ 151,399 $ 68,640 $ 59,416 $ 139,768 $ 44,256,308 $ 44,675,531 (1) Early buy-out loans are insured or guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. Credit Quality Indicators Credit quality indicators, specifically the Company's internal risk rating systems, reflect how the Company monitors credit losses and represents factors used by the Company when measuring the allowance for credit losses. Descriptions of the Company’s credit quality indicators by financial asset are included in Note (5) “Allowance for Credit Losses” of the 2024 Form 10-K. The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at June 30, 2025: Year of Origination Revolving Total (In thousands) 2025 2024 2023 2022 2021 Prior Revolving to Term Loans Loan Balances: Commercial Pass $ 1,861,744 $ 2,991,867 $ 1,892,313 $ 1,365,222 $ 976,723 $ 1,209,968 $ 5,460,274 $ 22,740 $ 15,780,851 Special mention 855 31,875 46,077 46,868 19,606 6,020 143,556 2,333 297,190 Substandard accrual 2,331 16,092 27,411 58,712 41,344 15,366 65,095 2,162 228,513 Substandard nonaccrual/doubtful 191 2,562 6,865 22,892 23,196 4,910 19,917 344 80,877 Total commercial, industrial and other $ 1,865,121 $ 3,042,396 $ 1,972,666 $ 1,493,694 $ 1,060,869 $ 1,236,264 $ 5,688,842 $ 27,579 $ 16,387,431 Construction and development Pass $ 97,381 $ 594,804 $ 618,976 $ 656,080 $ 92,674 $ 138,854 $ 27,249 $ — $ 2,226,018 Special mention — — 29,418 216,463 17,954 16,016 — — 279,851 Substandard accrual — — 750 — — 15,507 3,791 — 20,048 Substandard nonaccrual/doubtful — — 251 1,322 — 1,627 — — 3,200 Total construction and development $ 97,381 $ 594,804 $ 649,395 $ 873,865 $ 110,628 $ 172,004 $ 31,040 $ — $ 2,529,117 Non-construction Pass $ 917,625 $ 1,325,021 $ 1,393,425 $ 1,761,340 $ 1,338,836 $ 3,394,943 $ 251,779 $ 1,496 $ 10,384,465 Special mention 95 851 42,162 21,645 36,419 41,316 2,316 — 144,804 Substandard accrual — 19,905 2,371 70,854 57,748 52,286 832 — 203,996 Substandard nonaccrual/doubtful 1,257 — 1,363 305 151 26,552 — — 29,628 Total non-construction $ 918,977 $ 1,345,777 $ 1,439,321 $ 1,854,144 $ 1,433,154 $ 3,515,097 $ 254,927 $ 1,496 $ 10,762,893 Home equity Pass $ 4 $ 240 $ 48 $ 379 $ 306 $ 13,167 $ 432,865 $ 5,107 $ 452,116 Special mention — 10 51 217 — 2,471 5,021 — 7,770 Substandard accrual — — 15 27 29 3,695 1,383 — 5,149 Substandard nonaccrual/doubtful — 711 — 88 202 779 — — 1,780 Total home equity $ 4 $ 961 $ 114 $ 711 $ 537 $ 20,112 $ 439,269 $ 5,107 $ 466,815 Residential real estate Early buy-out loans guaranteed by U.S. government agencies $ — $ 3,819 $ 9,245 $ 5,931 $ 6,016 $ 109,056 $ — $ — $ 134,067 Pass 543,216 817,417 450,707 779,797 733,763 428,540 — — 3,753,440 Special mention — 426 5,908 5,601 2,019 9,538 — — 23,492 15 Table of Contents Substandard accrual 61 137 710 3,372 1,679 3,777 — — 9,736 Substandard nonaccrual/doubtful — 971 5,031 6,941 7,000 8,104 — — 28,047 Total residential real estate $ 543,277 $ 822,770 $ 471,601 $ 801,642 $ 750,477 $ 559,015 $ — $ — $ 3,948,782 Premium finance receivables - property and casualty Pass $ 6,914,153 $ 1,255,016 $ 6,805 $ 2,107 $ 2,083 $ — $ — $ — $ 8,180,164 Special mention 71,899 19,086 7 — — — — — 90,992 Substandard accrual 10,739 10,871 — 4 2 — — — 21,616 Substandard nonaccrual/doubtful 6,191 23,797 414 — 2 — — — 30,404 Total premium finance receivables - property and casualty $ 7,002,982 $ 1,308,770 $ 7,226 $ 2,111 $ 2,087 $ — $ — $ — $ 8,323,176 Premium finance receivables - life (1) Pass $ 278,040 $ 670,927 $ 500,062 $ 700,495 $ 1,042,504 $ 5,314,605 $ — $ — $ 8,506,633 Special mention — — — — — — — — — Substandard accrual — — — — — 327 — — 327 Substandard nonaccrual/doubtful — — — — — — — — — Total premium finance receivables - life $ 278,040 $ 670,927 $ 500,062 $ 700,495 $ 1,042,504 $ 5,314,932 $ — $ — $ 8,506,960 Consumer and other Pass $ 3,702 $ 2,988 $ 2,129 $ 434 $ 672 $ 35,045 $ 71,211 $ — $ 116,181 Special mention 15 39 2 3 — 109 6 — 174 Substandard accrual — 4 1 82 — 16 6 — 109 Substandard nonaccrual/doubtful — 3 1 — — 37 — — 41 Total consumer and other $ 3,717 $ 3,034 $ 2,133 $ 519 $ 672 $ 35,207 $ 71,223 $ — $ 116,505 Total loans Early buy-out loans guaranteed by U.S. government agencies $ — $ 3,819 $ 9,245 $ 5,931 $ 6,016 $ 109,056 $ — $ — $ 134,067 Pass 10,615,865 7,658,280 4,864,465 5,265,854 4,187,561 10,535,122 6,243,378 29,343 49,399,868 Special mention 72,864 52,287 123,625 290,797 75,998 75,470 150,899 2,333 844,273 Substandard accrual 13,131 47,009 31,258 133,051 100,802 90,974 71,107 2,162 489,494 Substandard nonaccrual/doubtful 7,639 28,044 13,925 31,548 30,551 42,009 19,917 344 173,977 Total loans $ 10,709,499 $ 7,789,439 $ 5,042,518 $ 5,727,181 $ 4,400,928 $ 10,852,631 $ 6,485,301 $ 34,182 $ 51,041,679 Gross write offs Three months ended June 30, 2025 $ 1,281 $ 7,117 $ 1,979 $ 1,291 $ 318 $ 6,509 $ — $ — $ 18,495 Six months ended June 30, 2025 $ 1,404 $ 14,803 $ 3,789 $ 3,381 $ 2,147 $ 10,420 $ — $ — $ 35,944 (1) For premium finance receivables - life, the year of origination represents when the borrower’s master loan agreement was initially established. Held-to-maturity debt securities The Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management. 16 Table of Contents As of June 30, 2025 Year of Origination Total (In thousands) 2025 2024 2023 2022 2021 Prior Balance Amortized Cost Balances: U.S. government agencies 1-4 internal grade $ — $ — $ — $ 135,000 $ 147,825 $ 30,715 $ 313,540 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total U.S. government agencies $ — $ — $ — $ 135,000 $ 147,825 $ 30,715 $ 313,540 Municipal 1-4 internal grade $ — $ — $ 4,091 $ 1,030 $ 6,767 $ 142,741 $ 154,629 5-7 internal grade — — — — — 2,124 2,124 8-10 internal grade — — — — — — — Total municipal $ — $ — $ 4,091 $ 1,030 $ 6,767 $ 144,865 $ 156,753 Mortgage-backed securities 1-4 internal grade $ — $ — $ 310,359 $ 508,750 $ 2,159,651 $ — $ 2,978,760 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total mortgage-backed securities $ — $ — $ 310,359 $ 508,750 $ 2,159,651 $ — $ 2,978,760 Corporate notes 1-4 internal grade $ — $ — $ 14,971 $ — $ 38,560 $ 53,531 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total corporate notes $ — $ — $ — $ 14,971 $ — $ 38,560 $ 53,531 Total held-to-maturity securities $ 3,502,584 Less: Allowance for credit losses ( 398 ) Held-to-maturity securities, net of allowance for credit losses $ 3,502,186 Measurement of Allowance for Credit Losses The Company's allowance for credit losses consists of the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity debt security losses. In accordance with ASC 326, the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. When developing its estimate, the Company considers available information relevant to assessing the collectability of cash flows, from both internal and external sources. Historical credit loss experience is one input in the estimation process as well as inputs relevant to current conditions and reasonable and supportable forecasts. In considering past events, the Company considers the relevance, or lack thereof, of historical information due to changes in such things as financial asset underwriting or collection practices, and changes in portfolio mix due to changing business plans and strategies. In considering current conditions and forecasts, the Company considers both the current economic environment and the forecasted direction of the economic environment with emphasis on those factors deemed relevant to or driving changes in expected credit losses. As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management. June 30, December 31, June 30, (In thousands) 2025 2024 2024 Allowance for loan losses $ 391,654 $ 364,017 $ 363,719 Allowance for unfunded lending-related commitments losses 65,409 72,586 73,350 Allowance for loan losses and unfunded lending-related commitments losses 457,063 436,603 437,069 Allowance for held-to-maturity securities losses 398 457 491 Allowance for credit losses $ 457,461 $ 437,060 $ 437,560 The allowance for credit losses is measured on a collective or pooled basis when similar risk characteristics exist, based upon the segmentation discussed above. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool. These methodologies include estimating the probability of default and loss given default on the commercial and commercial real estate segments, using the weighted-average remaining maturity methodology for the residential real estate, home equity, and consumer segments, and utilizing an assumption-based approach focusing on historical loss rates for the premium finance receivables segments. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company on a quantitative or qualitative basis and incorporates third party economic forecasts. Reasonable 17 Table of Contents and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. Currently, the Company utilizes an eight quarter forecast period using a single macroeconomic scenario provided by a third party and reviewed within the Company's governance structure. For periods beyond the ability to develop reasonable and supportable forecasts, the Company reverts to historical loss rates at an input level, straight-line over a four quarter reversion period. Expected credit losses are measured over the contractual term of the financial asset with consideration of expected prepayments. Expected extensions, renewals or modifications of the financial asset are considered when the expected extension, renewal or modification is contained within the existing agreement and is not unconditionally cancelable. The methodologies discussed above are applied to both current asset balances on the Company's Consolidated Statements of Condition and off-balance sheet commitments (i.e. unfunded lending-related commitments). Assets that do not share similar risk characteristics with a pool are assessed for the allowance for credit losses on an individual basis. These typically include assets experiencing financial difficulties, including assets rated as substandard nonaccrual and doubtful. If foreclosure is probable or the asset is considered collateral-dependent, expected credit losses are measured based upon the fair value of the underlying collateral adjusted for selling costs, if appropriate. Underlying collateral across the Company's segments consist primarily of real estate, land and construction assets as well as general business assets of the borrower. As of June 30, 2025, excluding loans carried at fair value, substandard nonaccrual loans totaling $ 54.1 million in carrying balance had no related allowance for credit losses. The Company does not measure an allowance for credit losses on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when assets are placed on nonaccrual status. Loan portfolios A summary of activity in the allowance for credit losses, specifically for the loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses), for the three and six months ended June 30, 2025 and June 30, 2024 is as follows: Three months ended June 30, 2025 Commercial Real Estate Home Equity Residential Real Estate Premium Finance Receivables Consumer and Other Total Loans (In thousands) Commercial Allowance for credit losses at beginning of period $ 201,183 $ 210,010 $ 9,139 $ 10,652 $ 16,039 $ 918 $ 447,941 Other adjustments — — — — 180 — 180 Charge-offs ( 6,148 ) ( 5,711 ) ( 111 ) — ( 6,346 ) ( 179 ) ( 18,495 ) Recoveries 1,746 10 30 2 3,335 32 5,155 Provision for credit losses - Other ( 2,213 ) 20,049 163 801 3,404 78 22,282 Allowance for credit losses at period end $ 194,568 $ 224,358 $ 9,221 $ 11,455 $ 16,612 $ 849 $ 457,063 By measurement method: Individually measured $ 35,129 $ 8,127 $ — $ 103 $ — $ 4 $ 43,363 Collectively measured 159,439 216,231 9,221 11,352 16,612 845 413,700 Loans at period end Individually measured $ 80,877 $ 32,828 $ 1,780 $ 27,960 $ — $ 41 $ 143,486 Collectively measured 16,306,554 13,259,182 465,035 3,783,938 16,830,136 116,464 50,761,309 Loans held at fair value — — — 136,884 — 136,884 18 Table of Contents Three months ended June 30, 2024 Commercial Commercial Real Estate Home Equity Residential Real Estate Premium Finance Receivables Consumer and Other Total Loans (In thousands) Allowance for credit losses at beginning of period $ 166,518 $ 226,052 $ 7,191 $ 13,701 $ 13,330 $ 383 $ 427,175 Other adjustments — — — — ( 19 ) — ( 19 ) Charge-offs ( 9,584 ) ( 15,526 ) — ( 23 ) ( 9,486 ) ( 137 ) ( 34,756 ) Recoveries 950 90 35 8 3,663 24 4,770 Provision for credit losses 24,107 13,112 16 ( 4,913 ) 7,258 319 39,899 Allowance for credit losses at period end $ 181,991 $ 223,728 $ 7,242 $ 8,773 $ 14,746 $ 589 $ 437,069 By measurement method: Individually measured $ 30,927 $ 6,330 $ — $ 32 $ — $ 1 $ 37,290 Collectively measured 151,064 217,398 7,242 8,741 14,746 588 399,779 Loans at period end Individually measured $ 51,087 $ 48,289 $ 1,100 $ 17,807 $ — $ 3 $ 118,286 Collectively measured 14,103,375 11,898,908 355,213 2,913,694 15,062,868 87,353 44,421,411 Loans held at fair value — — — 135,834 — — 135,834 Six months ended June 30, 2025 Commercial Real Estate Home Equity Residential Real Estate Premium Finance Receivables Consumer and Other Total Loans (In thousands) Commercial Allowance for credit losses at beginning of period $ 175,837 $ 222,856 $ 8,943 $ 10,335 $ 17,820 $ 812 $ 436,603 Other adjustments — — — — 184 — 184 Charge-offs ( 15,870 ) ( 6,165 ) ( 111 ) — ( 13,472 ) ( 326 ) ( 35,944 ) Recoveries 2,675 22 246 138 6,822 61 9,964 Provision for credit losses - Other 31,926 7,645 143 982 5,258 302 46,256 Allowance for credit losses at period end $ 194,568 $ 224,358 $ 9,221 $ 11,455 $ 16,612 $ 849 $ 457,063 Six months ended June 30, 2024 Commercial Real Estate Home Equity Residential Real Estate Premium Finance Receivables Consumer and Other Total Loans (In thousands) Commercial Allowance for credit losses at beginning of period $ 169,604 $ 223,853 $ 7,116 $ 13,133 $ 13,069 $ 490 $ 427,265 Other adjustments — — — — ( 50 ) — ( 50 ) Charge-offs ( 20,799 ) ( 20,995 ) ( 74 ) ( 61 ) ( 16,424 ) ( 244 ) ( 58,597 ) Recoveries 1,429 121 64 10 5,190 47 6,861 Provision for credit losses 31,757 20,749 136 ( 4,309 ) 12,961 296 61,590 Allowance for credit losses at period end $ 181,991 $ 223,728 $ 7,242 $ 8,773 $ 14,746 $ 589 $ 437,069