10-Q – 2025-08-06 – wtfc-20250630.htm

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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.
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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.
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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.

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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.
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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.
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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.

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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.

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(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.

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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.

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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.

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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.

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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.

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(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.

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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.

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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  

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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.

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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
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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  

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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