SEC EDGAR · 10-Q
10-Q – 2025-11-06 – wtfc-20250930.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 1,614,674 1,739,334 1,721,090 | Receivable on unsettled securities sales 978,209 — 551,031
- Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs ( 15,773 ) ( 22,558 ) | Proceeds from sales of mortgage loans held-for-sale 1,785,096 1,824,513
- Losses (gains) on sales of premises and equipment, net 418 ( 93 ) | Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 1,234 )
- Losses (gains) on sales of premises and equipment, net 418 ( 93 ) | Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 1,234 ) | Decrease (increase) in accrued interest receivable and other assets, net 59,739 ( 46,711 )
- Investing Activities: | Proceeds from calls and sales of available-for-sale securities 705,703 1,218,695 | Proceeds from payments and maturities of available-for-sale securities 402,735 360,773
- Proceeds from sales of equity securities with readily determinable fair value 226,542 51,792 | Proceeds from sales and capital distributions of equity securities without readily determinable fair value — 2,226
- Proceeds from sales of equity securities with readily determinable fair value 226,542 51,792 | Proceeds from sales and capital distributions of equity securities without readily determinable fair value — 2,226 | Purchases of available-for-sale securities ( 3,040,628 ) ( 1,116,875 )
Periodens resultat
- Income tax expense 79,787 62,708 215,364 184,325 | Net income $ 216,254 $ 170,001 $ 600,820 $ 509,683 | Preferred stock dividends 13,295 6,991 27,277 20,973
- Preferred stock redemption 14,046 — 14,046 — | Net income applicable to common shares $ 188,913 $ 163,010 $ 559,497 $ 488,710 | Net income per common share—Basic $ 2.82 $ 2.51 $ 8.37 $ 7.79
- Net income applicable to common shares $ 188,913 $ 163,010 $ 559,497 $ 488,710 | Net income per common share—Basic $ 2.82 $ 2.51 $ 8.37 $ 7.79 | Net income per common share—Diluted $ 2.78 $ 2.47 $ 8.25 $ 7.67
- Net income per common share—Basic $ 2.82 $ 2.51 $ 8.37 $ 7.79 | Net income per common share—Diluted $ 2.78 $ 2.47 $ 8.25 $ 7.67 | Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.50 $ 1.35
- 2024 | Net income $ 216,254 $ 170,001 $ 600,820 $ 509,683 | Unrealized gains on available-for-sale securities
- Net of tax 55,886 124,478 115,227 51,916 | Reclassification of net gains (losses) on available-for-sale securities included in net income | Before tax 269 45 ( 119 ) 1,223
- Net income — — — — 170,001 — 170,001 | Other comprehensive income, net of tax — — — — — 220,021 220,021
- Net income — — — — 509,683 — 509,683 | Other comprehensive income, net of tax — — — — — 69,054 69,054
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 were reclassified, upon redemption, from capital surplus and recognized through retained earnings. These amounts do not impact operating net income but are considered as a reduction to net income available to common shareholders and impact earnings per share calculations. The following table represents the Series F Preferred Stock offering and Series D and Series E Preferred Stock redemption impact on dilut
- 67,980 67,980 | Diluted EPS Impact $ (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 $ 59,667 $ 7,329 $ 53,402 $ 4,950 $ 56,084 $ 14,522 | Interest rate derivatives designated as Fair Value Hedges 5,633 10,001 8,069 560 87 351
- 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 uses interest rate swaps, collars and floors 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 payments over th | 32
- Interest rate floors designated as cash flow hedges involve the receipt of variable-rate amounts from a counterparty if interest rates fall below the strike rate on the contract in exchange for an upfront premium.
Likvida medel
- Net Cash Provided by Financing Activities 4,109,252 4,304,855 | Net Increase in Cash and Cash Equivalents 106,933 307,664 | Cash and Cash Equivalents at Beginning of Period 458,536 423,464
- Net Increase in Cash and Cash Equivalents 106,933 307,664 | Cash and Cash Equivalents at Beginning of Period 458,536 423,464 | Cash and Cash Equivalents at End of Period $ 565,469 $ 731,128
- Cash and Cash Equivalents at Beginning of Period 458,536 423,464 | Cash and Cash Equivalents at End of Period $ 565,469 $ 731,128
- (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 $ 565,469 $ 565,469 $ 458,536 $ 458,536 $ 731,128 $ 731,128
- 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 $ 600,820 $ 509,683 | Adjustments to reconcile net income to net cash provided by operating activities | Provision for credit losses 67,965 84,068
- Decrease in accrued interest payable and other liabilities, net ( 136,388 ) ( 256,022 ) | Net Cash Provided by Operating Activities 658,689 230,739 | Investing Activities:
- (Contributions to) distributions from investments in partnerships, net ( 13,422 ) 2,586 | Net cash received in business combinations — 531,308 | Proceeds from sales of premium financing receivables, net — 627,450
- Purchases of premises and equipment, net ( 26,921 ) ( 66,457 ) | Net Cash Used for Investing Activities ( 4,661,008 ) ( 4,227,930 ) | Financing Activities:
- Dividends paid ( 127,571 ) ( 106,367 ) | Net Cash Provided by Financing Activities 4,109,252 4,304,855 | Net Increase in Cash and Cash Equivalents 106,933 307,664
Eget kapital
- Liabilities and Shareholders’ Equity | Deposits:
- Total liabilities 62,583,881 58,535,371 57,388,710 | Shareholders’ Equity: | Preferred stock, no par value; 20,000,000 shares authorized:
- Accumulated other comprehensive loss ( 314,808 ) ( 508,335 ) ( 292,177 ) | Total shareholders’ equity 7,045,757 6,344,297 6,399,714 | Total liabilities and shareholders’ equity $ 69,629,638 $ 64,879,668 $ 63,788,424
- Total shareholders’ equity 7,045,757 6,344,297 6,399,714 | Total liabilities and shareholders’ equity $ 69,629,638 $ 64,879,668 $ 63,788,424
- 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 June 30, 2024
- Securities having a carrying value of $ 8.0 billion at September 30, 2025 as well as securities having a carrying value of $ 6.9 billion and $ 7.2 billion at December 31, 2024 and September 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 September 30, 2025, there were no securities of a single issuer, other | 13
- 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, 66,971,158 shares, as of October 31, 2025
- Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.50 $ 1.35 | Weighted average common shares outstanding 66,952 64,888 66,871 62,743 | Dilutive potential common shares 1,028 1,053 945 934
- As of September 30, 2025, approximately 2,184,000 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) 66,952 64,888 66,871 62,743 | Effect of dilutive potential common shares
- (L) Total common equity $ 6,620,757 $ 6,388,196 $ 5,987,214 | (M) Actual common shares outstanding 66,961 66,938 66,482 | Book value per common share (L/M) $ 98.87 $ 95.43 $ 90.06
- (R) Net income applicable to common shares $ 188,913 $ 188,536 $ 163,010 $ 559,497 $ 488,710 | (S) Weighted average common shares outstanding 66,952 66,931 64,888 66,871 62,743 | Dilutive potential common shares 1,028 888 1,053 945 934
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
- For the third quarter of 2025, net interest income totaled $567.0 million, an increase of $20.3 million as compared to the second quarter of 2025, and an increase of $64.4 million as compared to the third quarter of 2024. Net interest margin was 3.48% (3.50% on a FTE basis, non-GAAP) during the third quarter of 2025 compared to 3.52% (3.54% on a FTE basis, non-GAAP) during the second quarter of 2025, and 3.49% (3.51% on a FTE basis, non-GAAP) during the third 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 September 30, 2025 to each of the three month periods ended June 30, 2025 and September 30, 2024 and nine month periods ended September 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 | $ 549,574 $ 505,727 $ 1,446,207
- Change due to number of days in each period 5,973 — (5,298) | Less: FTE adjustment (2,829) (2,829) (8,608) | Net interest income (GAAP) (1) for the period ended September 30, 2025
- $ 567,010 $ 567,010 $ 1,640,178 | FTE adjustment 2,829 2,829 8,608 | Net interest income, FTE basis (non-GAAP) (1)
- FTE adjustment 2,829 2,829 8,608 | Net interest income, FTE basis (non-GAAP) (1) | $ 569,839 $ 569,839 $ 1,648,786
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us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-07-01 2025-09-30 0001015328 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-07-01 2024-09-30 0001015328 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-09-30 0001015328 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-01-01 2024-09-30 0001015328 wtfc:O2025Q1DividendsMember 2025-01-01 2025-03-31 0001015328 wtfc:O2025Q1ADividendsMember 2025-01-01 2025-03-31 0001015328 wtfc:O2025Q2DividendsMember 2025-04-01 2025-06-30 0001015328 wtfc:O2025Q2ADividendsMember 2025-04-01 2025-06-30 0001015328 wtfc:O2025Q3DividendsMember 2025-07-01 2025-09-30 0001015328 wtfc:O2025Q3ADividendsMember 2025-07-01 2025-09-30 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 September 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) Title of Each Class Ticker Symbol Name of Each Exchange on Which Registered Common Stock, no par value WTFC The Nasdaq Global Select Market Depositary Shares, Each Representing a 1/1,000 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, 66,971,158 shares, as of October 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 49 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) September 30, 2025 December 31, 2024 September 30, 2024 Assets Cash and due from banks $ 565,406 $ 452,017 $ 725,465 Federal funds sold and securities purchased under resale agreements 63 6,519 5,663 Interest-bearing deposits with banks 3,422,452 4,409,753 3,648,117 Available-for-sale securities, at fair value 5,274,124 4,141,482 3,912,232 Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $ 395 , $ 457 and $ 479 at September 30, 2025, December 31, 2024 and September 30, 2024, respectively ($ 2.9 billion, $ 2.9 billion and $ 3.1 billion fair value at September 30, 2025, December 31, 2024 and September 30, 2024, respectively) 3,438,406 3,613,263 3,677,420 Trading account securities — 4,072 3,472 Equity securities with readily determinable fair value 63,445 215,412 125,310 Federal Home Loan Bank and Federal Reserve Bank stock 282,755 281,407 266,908 Brokerage customer receivables — 18,102 16,662 Mortgage loans held-for-sale, at fair value 333,883 331,261 461,067 Loans, net of unearned income 52,063,482 48,055,037 47,067,447 Allowance for loan losses ( 386,622 ) ( 364,017 ) ( 360,279 ) Net loans 51,676,860 47,691,020 46,707,168 Premises, software and equipment, net 775,425 779,130 772,002 Lease investments, net 301,000 278,264 270,171 Accrued interest receivable and other assets 1,614,674 1,739,334 1,721,090 Receivable on unsettled securities sales 978,209 — 551,031 Goodwill 797,639 796,942 800,780 Other acquisition-related intangible assets 105,297 121,690 123,866 Total assets $ 69,629,638 $ 64,879,668 $ 63,788,424 Liabilities and Shareholders’ Equity Deposits: Non-interest-bearing $ 10,952,146 $ 11,410,018 $ 10,739,132 Interest-bearing 45,759,235 41,102,331 40,665,834 Total deposits 56,711,381 52,512,349 51,404,966 Federal Home Loan Bank advances 3,151,309 3,151,309 3,171,309 Other borrowings 579,328 534,803 647,043 Subordinated notes 298,536 298,283 298,188 Junior subordinated debentures 253,566 253,566 253,566 Accrued interest payable and other liabilities 1,589,761 1,785,061 1,613,638 Total liabilities 62,583,881 58,535,371 57,388,710 Shareholders’ Equity: Preferred stock, no par value; 20,000,000 shares authorized: Series D - $ 25 liquidation value; no shares issued and outstanding at September 30, 2025, and 5,000,000 shares issued and outstanding at December 31, 2024 and September 30, 2024 — 125,000 125,000 Series E - $ 25,000 liquidation value; no shares issued and outstanding at September 30, 2025, and 11,500 shares issued and outstanding at December 31, 2024 and September 30, 2024 — 287,500 287,500 Series F - $ 25,000 liquidation value; 17,000 shares issued and outstanding at September 30, 2025 and no shares issued and outstanding at December 31, 2024 and September 30, 2024 425,000 — — Common stock, no par value; $ 1.00 stated value; 100,000,000 shares authorized at September 30, 2025, December 31, 2024 and September 30, 2024; 67,042,228 shares issued at September 30, 2025, 66,560,182 shares issued at December 31, 2024 and 66,546,351 shares issued at September 30, 2024 67,042 66,560 66,546 Surplus 2,521,306 2,482,561 2,470,228 Treasury stock, at cost, 81,019 shares at September 30, 2025, 64,955 shares at December 31, 2024, and 64,808 shares at September 30, 2024 ( 9,150 ) ( 6,153 ) ( 6,098 ) Retained earnings 4,356,367 3,897,164 3,748,715 Accumulated other comprehensive loss ( 314,808 ) ( 508,335 ) ( 292,177 ) Total shareholders’ equity 7,045,757 6,344,297 6,399,714 Total liabilities and shareholders’ equity $ 69,629,638 $ 64,879,668 $ 63,788,424 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 Nine Months Ended (Dollars in thousands, except per share data) September 30, 2025 September 30, 2024 September 30, 2025 September 30, 2024 Interest income Interest and fees on loans $ 832,140 $ 794,163 $ 2,398,499 $ 2,254,316 Mortgage loans held-for-sale 4,757 6,233 13,875 15,813 Interest-bearing deposits with banks 34,992 32,608 106,075 68,997 Federal funds sold and securities purchased under resale agreements 75 277 530 313 Investment securities 86,426 69,592 236,495 209,049 Trading account securities — 11 11 42 Federal Home Loan Bank and Federal Reserve Bank stock 5,444 5,451 16,144 14,903 Brokerage customer receivables — 269 78 663 Total interest income 963,834 908,604 2,771,707 2,564,096 Interest expense Interest on deposits 355,846 362,019 1,009,549 997,254 Interest on Federal Home Loan Bank advances 26,007 26,254 77,172 73,099 Interest on other borrowings 6,887 9,013 20,636 26,961 Interest on subordinated notes 3,717 3,712 11,166 14,384 Interest on junior subordinated debentures 4,367 5,023 13,006 15,011 Total interest expense 396,824 406,021 1,131,529 1,126,709 Net interest income 567,010 502,583 1,640,178 1,437,387 Provision for credit losses 21,768 22,334 67,965 84,068 Net interest income after provision for credit losses 545,242 480,249 1,572,213 1,353,319 Non-interest income Wealth management 37,188 37,224 108,051 107,452 Mortgage banking 24,451 15,974 68,150 72,761 Service charges on deposit accounts 19,825 16,430 58,689 46,787 Gains on investment securities, net 2,972 3,189 6,818 233 Fees from covered call options 5,619 988 14,689 7,891 Trading gains (losses), net 172 ( 130 ) 259 617 Operating lease income, net 15,466 15,335 45,919 43,383 Other 25,134 24,137 68,975 95,750 Total non-interest income 130,827 113,147 371,550 374,874 Non-interest expense Salaries and employee benefits 219,668 211,261 650,735 604,975 Software and equipment 35,027 31,574 106,266 88,536 Operating lease equipment 10,409 10,518 31,637 32,035 Occupancy, net 20,809 19,945 61,815 58,616 Data processing 11,329 9,984 34,713 28,779 Advertising and marketing 19,027 18,239 50,060 48,715 Professional fees 7,465 9,783 25,752 29,303 Amortization of other acquisition-related intangible assets 5,196 4,042 16,394 6,322 FDIC insurance 11,418 10,512 33,315 35,478 Other real estate owned expense, net 262 ( 938 ) 1,410 ( 805 ) Other 39,418 35,767 115,482 102,231 Total non-interest expense 380,028 360,687 1,127,579 1,034,185 Income before taxes 296,041 232,709 816,184 694,008 Income tax expense 79,787 62,708 215,364 184,325 Net income $ 216,254 $ 170,001 $ 600,820 $ 509,683 Preferred stock dividends 13,295 6,991 27,277 20,973 Preferred stock redemption 14,046 — 14,046 — Net income applicable to common shares $ 188,913 $ 163,010 $ 559,497 $ 488,710 Net income per common share—Basic $ 2.82 $ 2.51 $ 8.37 $ 7.79 Net income per common share—Diluted $ 2.78 $ 2.47 $ 8.25 $ 7.67 Cash dividends declared per common share $ 0.50 $ 0.45 $ 1.50 $ 1.35 Weighted average common shares outstanding 66,952 64,888 66,871 62,743 Dilutive potential common shares 1,028 1,053 945 934 Average common shares and dilutive common shares 67,980 65,941 67,816 63,677 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 Nine Months Ended (In thousands) September 30, 2025 September 30, 2024 September 30, 2025 September 30, 2024 Net income $ 216,254 $ 170,001 $ 600,820 $ 509,683 Unrealized gains on available-for-sale securities Before tax 75,521 168,166 155,712 69,510 Tax effect ( 19,635 ) ( 43,688 ) ( 40,485 ) ( 17,594 ) Net of tax 55,886 124,478 115,227 51,916 Reclassification of net gains (losses) on available-for-sale securities included in net income Before tax 269 45 ( 119 ) 1,223 Tax effect ( 70 ) ( 6 ) 31 ( 318 ) Net of tax 199 39 ( 88 ) 905 Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale Before tax 10 14 31 78 Tax effect ( 3 ) ( 4 ) ( 8 ) ( 21 ) Net of tax 7 10 23 57 Net unrealized gains on available-for-sale securities 55,680 124,429 115,292 50,954 Unrealized gains on derivative instruments Before tax 4,280 124,848 92,317 31,914 Tax effect ( 1,112 ) ( 32,460 ) ( 24,002 ) ( 7,879 ) Net unrealized gains on derivative instruments 3,168 92,388 68,315 24,035 Foreign currency adjustment Before tax ( 8,997 ) 3,884 12,123 ( 7,323 ) Tax effect 1,574 ( 680 ) ( 2,203 ) 1,388 Net foreign currency adjustment ( 7,423 ) 3,204 9,920 ( 5,935 ) Total other comprehensive income 51,425 220,021 193,527 69,054 Comprehensive income $ 267,679 $ 390,022 $ 794,347 $ 578,737 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 June 30, 2024 $ 412,500 $ 61,825 $ 1,964,645 $ ( 5,760 ) $ 3,615,616 $ ( 512,198 ) $ 5,536,628 Net income — — — — 170,001 — 170,001 Other comprehensive income, net of tax — — — — — 220,021 220,021 Cash dividends declared on common stock, $ 0.45 per share — — — — ( 29,911 ) — ( 29,911 ) 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 — — 9,461 — — — 9,461 Common stock issued for: Acquisition of Macatawa Bank Corporation — 4,702 494,537 — — — 499,239 Restricted stock awards — 10 ( 10 ) ( 338 ) — — ( 338 ) Employee stock purchase plan — 9 788 — — — 797 Director compensation plan — — 807 — — — 807 Balance at September 30, 2024 $ 412,500 $ 66,546 $ 2,470,228 $ ( 6,098 ) $ 3,748,715 $ ( 292,177 ) $ 6,399,714 Balance at January 1, 2024 $ 412,500 $ 61,269 $ 1,943,806 $ ( 2,217 ) $ 3,345,399 $ ( 361,231 ) $ 5,399,526 Net income — — — — 509,683 — 509,683 Other comprehensive income, net of tax — — — — — 69,054 69,054 Cash dividends declared on common stock, $ 1.35 per share — — — — ( 85,394 ) — ( 85,394 ) Dividends on Series D preferred stock, $ 1.23 per share and Series E preferred stock, $ 1,289.07 per share — — — — ( 20,973 ) — ( 20,973 ) Stock-based compensation — — 27,568 — — — 27,568 Common stock issued for: Acquisition of Macatawa Bank Corporation — 4,702 494,537 — — — 499,239 Exercise of stock options — 1 24 — — — 25 Restricted stock awards — 533 ( 529 ) ( 3,881 ) — — ( 3,877 ) Employee stock purchase plan — 26 2,414 — — — 2,440 Director compensation plan — 15 2,408 — — — 2,423 Balance at September 30, 2024 $ 412,500 $ 66,546 $ 2,470,228 $ ( 6,098 ) $ 3,748,715 $ ( 292,177 ) $ 6,399,714 Balance at June 30, 2025 $ 837,500 $ 67,025 $ 2,495,637 $ ( 9,156 ) $ 4,200,923 $ ( 366,233 ) $ 7,225,696 Net income — — — — 216,254 — 216,254 Other comprehensive income, net of tax — — — — — 51,425 51,425 Cash dividends declared on common stock, $ 0.50 per share — — — — ( 33,469 ) — ( 33,469 ) Dividends on Series F preferred stock, $ 782.03 per share — — — — ( 13,295 ) — ( 13,295 ) Redemption of Series D and Series E preferred stock ( 412,500 ) — 14,046 — ( 14,046 ) — ( 412,500 ) Stock-based compensation — — 10,071 — — — 10,071 Issuance of Series F Preferred Stock — — ( 64 ) — — — ( 64 ) Common stock issued for: Restricted stock awards — 10 ( 16 ) 6 — — — Employee stock purchase plan — 7 839 — — — 846 Director compensation plan — — 793 — — — 793 Balance at September 30, 2025 $ 425,000 $ 67,042 $ 2,521,306 $ ( 9,150 ) $ 4,356,367 $ ( 314,808 ) $ 7,045,757 Balance at January 1, 2025 $ 412,500 $ 66,560 $ 2,482,561 $ ( 6,153 ) $ 3,897,164 $ ( 508,335 ) $ 6,344,297 Net income — — — — 600,820 — 600,820 Other comprehensive income, net of tax — — — — — 193,527 193,527 Cash dividends declared on common stock, $ 1.50 per share — — — — ( 100,294 ) — ( 100,294 ) Dividends on Series D preferred stock, $ 0.82 per share, Series E preferred stock, $ 859.38 per share and Series F preferred stock, $ 782.03 per share — — — — ( 27,277 ) — ( 27,277 ) Redemption of Series D and Series E preferred stock ( 412,500 ) — 14,046 — ( 14,046 ) — ( 412,500 ) Stock-based compensation — — 30,646 — — — 30,646 Issuance of Series F Preferred Stock 425,000 — ( 10,852 ) — — — 414,148 Common stock issued for: Exercise of stock options — 5 215 — — — 220 Restricted stock awards — 435 ( 441 ) ( 2,997 ) — — ( 3,003 ) Employee stock purchase plan — 23 2,588 — — — 2,611 Director compensation plan — 19 2,543 — — — 2,562 Balance at September 30, 2025 $ 425,000 $ 67,042 $ 2,521,306 $ ( 9,150 ) $ 4,356,367 $ ( 314,808 ) $ 7,045,757 See accompanying notes to unaudited consolidated financial statements. 4 Table of Contents WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) Nine Months Ended (In thousands) September 30, 2025 September 30, 2024 Operating Activities: Net income $ 600,820 $ 509,683 Adjustments to reconcile net income to net cash provided by operating activities Provision for credit losses 67,965 84,068 Depreciation, amortization and accretion, net 88,905 70,884 Stock-based compensation expense 30,646 27,568 Accretion of discount on securities, net ( 4,412 ) ( 1,380 ) Accretion of discount and deferred fees on loans, net ( 15,092 ) ( 11,876 ) Mortgage servicing rights fair value changes 29,684 26,106 Non-designated derivatives fair value changes, net ( 9,065 ) 54,507 Originations and purchases of mortgage loans held-for-sale ( 1,785,392 ) ( 1,964,576 ) Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs ( 15,773 ) ( 22,558 ) Proceeds from sales of mortgage loans held-for-sale 1,785,096 1,824,513 Bank owned life insurance (“BOLI”) gains ( 4,644 ) ( 4,519 ) Decrease in trading securities, net 4,072 1,235 Decrease (increase) in brokerage customer receivables, net 18,102 ( 6,070 ) Gains on mortgage loans sold ( 49,990 ) ( 47,978 ) Gains on premium financing receivables sold — ( 4,575 ) Gains on investment securities, net, and dividend reinvestment on equity securities ( 6,818 ) ( 233 ) Losses (gains) on sales of premises and equipment, net 418 ( 93 ) Losses (gains) on sales and fair value adjustments of other real estate owned, net 816 ( 1,234 ) Decrease (increase) in accrued interest receivable and other assets, net 59,739 ( 46,711 ) Decrease in accrued interest payable and other liabilities, net ( 136,388 ) ( 256,022 ) Net Cash Provided by Operating Activities 658,689 230,739 Investing Activities: Proceeds from calls and sales of available-for-sale securities 705,703 1,218,695 Proceeds from payments and maturities of available-for-sale securities 402,735 360,773 Proceeds from payments, maturities and calls of held-to-maturity securities 174,383 178,553 Proceeds from sales of equity securities with readily determinable fair value 226,542 51,792 Proceeds from sales and capital distributions of equity securities without readily determinable fair value — 2,226 Purchases of available-for-sale securities ( 3,040,628 ) ( 1,116,875 ) Purchases of equity securities with readily determinable fair value ( 63,413 ) ( 33,322 ) Purchases of equity securities without readily determinable fair value ( 1,682 ) ( 6,933 ) Purchases of Federal Home Loan Bank and Federal Reserve Bank stock, net ( 1,348 ) ( 61,905 ) (Contributions to) distributions from investments in partnerships, net ( 13,422 ) 2,586 Net cash received in business combinations — 531,308 Proceeds from sales of premium financing receivables, net — 627,450 Proceeds from sales of other real estate owned — 11,481 Decrease (increase) in interest-bearing deposits with banks, net 994,409 ( 1,566,241 ) Increase in loans, net ( 4,017,366 ) ( 4,361,365 ) Redemption of BOLI — 304 Purchases of premises and equipment, net ( 26,921 ) ( 66,457 ) Net Cash Used for Investing Activities ( 4,661,008 ) ( 4,227,930 ) Financing Activities: Increase in deposit accounts, net 4,199,032 3,697,621 Increase in other borrowings, net 33,753 7,352 Increase in Federal Home Loan Bank advances, net — 845,238 Proceeds from the issuance of preferred stock, net 414,148 — Redemption of preferred stock ( 412,500 ) — 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 5,387 4,892 Common stock repurchases for tax withholdings related to stock-based compensation ( 2,997 ) ( 3,881 ) Dividends paid ( 127,571 ) ( 106,367 ) Net Cash Provided by Financing Activities 4,109,252 4,304,855 Net Increase in Cash and Cash Equivalents 106,933 307,664 Cash and Cash Equivalents at Beginning of Period 458,536 423,464 Cash and Cash Equivalents at End of Period $ 565,469 $ 731,128 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. Measurement of Credit Losses for Accounts Receivable and Contract Assets In July 2025, the FASB issued ASU No. 2025-05, “Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses for Accounts Receivable and Contract Assets” which provides public business entities with a practical expedient—and private companies an accounting policy election—when estimating expected credit losses for current accounts receivable and current contract assets arising from transactions accounted for under Topic Accounting Standards Codification (“ASC”) 606. In developing reasonable and supportable forecasts—if an entity elects the practical expedient—it assumes that current conditions as of the balance sheet date do not change for the remaining life of the assets in scope. This guidance is effective for fiscal years beginning after December 15, 2025, including interim periods therein, and is to be applied prospectively for all entities that elect either the practical expedient or accounting policy election. Early adoption is permitted. Adoption of this standard will not impact the Company’s consolidated financial statements as the Company has decided not to elect the practical expedient. Targeted Improvements to the Accounting for Internal-Use Software In September 2025, the FASB issued ASU No. 2025-06, “Intangibles – Goodwill and Other Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software” which removes all references to prescriptive and sequential software development stages, instead requiring capitalization of software costs when Management has authorized and committed to funding the software project, and it is probable that the project will be completed and the software will be used to perform the function needed. This guidance is effective for fiscal years beginning after December 15, 2027, including interim periods therein, and can be applied either prospectively, retrospectively, or through a modified transition approach. Early adoption is permitted at the beginning of an annual reporting period. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements. Derivatives Scope Refinements & Scope Clarification for Share-Based Noncash Consideration In September 2025, the FASB issued ASU No. 2025-07, “Derivatives and Hedging (Topic 815) and Revenue from Contracts with Customers (Topic 606): Derivatives Scope Refinements and Scope Clarification for Share-Based Noncash Consideration from a Customer in a Revenue Contract” which covers two separate issues. Issue 1 adds a scope exception to exclude from derivative accounting non-exchange-traded contracts with underlyings linked to the occurrence or nonoccurrence of an event. Issue 2 clarifies that entities should apply the guidance in ASC 606—on noncash consideration—to a contract with share-based noncash consideration from a customer for the transfer of goods or services. This guidance is effective for fiscal years beginning after December 15, 2026, including interim periods therein, and can be applied either on a prospective or modified 7 Table of Contents retrospective basis. 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. As of the first quarter of 2025, the purchase accounting was 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. 8 Table of Contents (5) Investment Securities The following tables are a summary of the investment securities portfolios as of the dates shown: September 30, 2025 (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities U.S. Treasury $ 7,997 $ 39 $ — $ 8,036 U.S. government agencies 50,000 — ( 3,489 ) 46,511 Municipal 194,723 1,673 ( 2,152 ) 194,244 Corporate notes: Financial issuers 82,000 — ( 2,628 ) 79,372 Other 1,000 — — 1,000 Mortgage-backed: (1) Residential mortgage-backed securities 4,761,918 17,519 ( 419,975 ) 4,359,462 Commercial (multi-family) mortgage-backed securities 233,127 347 ( 5,136 ) 228,338 Collateralized mortgage obligations 371,584 2,373 ( 16,796 ) 357,161 Total available-for-sale securities $ 5,702,349 $ 21,951 $ ( 450,176 ) $ 5,274,124 Held-to-maturity securities U.S. government agencies $ 313,540 $ — $ ( 59,178 ) $ 254,362 Municipal 155,770 458 ( 2,283 ) 153,945 Mortgage-backed: (1) Residential mortgage-backed securities 2,724,442 5,421 ( 505,165 ) 2,224,698 Commercial (multi-family) mortgage-backed securities 6,315 65 ( 102 ) 6,278 Collateralized mortgage obligations 188,223 980 ( 17,400 ) 171,803 Corporate notes 50,511 26 ( 653 ) 49,884 Total held-to-maturity securities $ 3,438,801 $ 6,950 $ ( 584,781 ) $ 2,860,970 Less: Allowance for credit losses ( 395 ) Held-to-maturity securities, net of allowance for credit losses $ 3,438,406 Equity securities with readily determinable fair value $ 60,843 $ 6,520 $ ( 3,918 ) $ 63,445 (1) None of our mortgage-backed securities are subprime. 9 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. 10 Table of Contents September 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) Available-for-sale securities U.S. Treasury $ 98,151 $ 172 $ — $ 98,323 U.S. government agencies 50,000 — ( 2,346 ) 47,654 Municipal 201,701 1,392 ( 2,881 ) 200,212 Corporate notes: Financial issuers 83,997 — ( 4,880 ) 79,117 Other 1,000 — — 1,000 Mortgage-backed: (1) Residential mortgage-backed securities 3,694,382 8,143 ( 394,844 ) 3,307,681 Commercial (multi-family) mortgage-backed securities 19,088 308 ( 255 ) 19,141 Collateralized mortgage obligations 172,524 1,537 ( 14,957 ) 159,104 Total available-for-sale securities $ 4,320,843 $ 11,552 $ ( 420,163 ) $ 3,912,232 Held-to-maturity securities U.S. government agencies $ 314,578 $ — $ ( 56,198 ) $ 258,380 Municipal 165,141 488 ( 2,910 ) 162,719 Mortgage-backed: (1) Residential mortgage-backed securities 2,915,018 5,541 ( 485,115 ) 2,435,444 Commercial (multi-family) mortgage-backed securities 6,379 40 ( 126 ) 6,293 Collateralized mortgage obligations 219,758 1,457 ( 17,303 ) 203,912 Corporate notes 57,025 — ( 1,953 ) 55,072 Total held-to-maturity securities $ 3,677,899 $ 7,526 $ ( 563,605 ) $ 3,121,820 Less: Allowance for credit losses ( 479 ) Held-to-maturity securities, net of allowance for credit losses $ 3,677,420 Equity securities with readily determinable fair value $ 127,700 $ 4,313 $ ( 6,703 ) $ 125,310 (1) None of our mortgage-backed securities are subprime. Equity securities without readily determinable fair values totaled $ 67.8 million as of September 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 September 30, 2025, the Company recorded no adjustment related to such observable price changes. During the nine months ended September 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 nine months ended September 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 nine months ended September 30, 2025, the Company recorded $ 570,000 and $ 1.6 million impairment of equity securities without readily determinable fair values. During the three months ended September 30, 2024, the Company recorded no impairment of equity securities without readily determinable fair values. During the nine months ended September 30, 2024, the Company recorded $ 3.7 million impairment of equity securities without readily determinable fair values. 11 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 September 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 — — 46,511 ( 3,489 ) 46,511 ( 3,489 ) Municipal 27,180 ( 276 ) 45,372 ( 1,876 ) 72,552 ( 2,152 ) Corporate notes: Financial issuers — — 79,372 ( 2,628 ) 79,372 ( 2,628 ) Other — — 1,000 ( 0 ) 1,000 ( 0 ) Mortgage-backed: (1) Residential mortgage-backed securities 746,985 ( 3,625 ) 2,174,994 ( 416,350 ) 2,921,979 ( 419,975 ) Commercial (multi-family) mortgage-backed securities 179,691 ( 4,574 ) 7,594 ( 562 ) 187,285 ( 5,136 ) Collateralized mortgage obligations 31,196 ( 102 ) 63,054 ( 16,694 ) 94,250 ( 16,796 ) Total available-for-sale securities $ 985,052 $ ( 8,577 ) $ 2,417,897 $ ( 441,599 ) $ 3,402,949 $ ( 450,176 ) (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 September 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 September 30, 2025 were primarily mortgage-backed securities with unrealized losses due to increased market rates subsequent to the date the securities were purchased. 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 September 30, 2025. 12 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 September 30, Nine months ended September 30, (In thousands) 2025 2024 2025 2024 Realized gains on investment securities $ 3,563 $ 222 $ 3,846 $ 2,582 Realized losses on investment securities ( 2,689 ) ( 144 ) ( 3,313 ) ( 273 ) Net realized gains on investment securities 874 78 533 2,309 Unrealized gains on equity securities with readily determinable fair value 3,352 3,126 8,689 4,234 Unrealized losses on equity securities with readily determinable fair value ( 684 ) ( 15 ) ( 741 ) ( 2,579 ) Net unrealized gains on equity securities with readily determinable fair value 2,668 3,111 7,948 1,655 Downward adjustments of equity securities without readily determinable fair values — — ( 20 ) — Impairment of equity securities without readily determinable fair values ( 570 ) — ( 1,643 ) ( 3,731 ) Adjustment and impairment, net, of equity securities without readily determinable fair values ( 570 ) — ( 1,663 ) ( 3,731 ) Gains on investment securities, net $ 2,972 $ 3,189 $ 6,818 $ 233 The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of September 30, 2025, December 31, 2024 and September 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: September 30, 2025 December 31, 2024 September 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 $ 58,284 $ 58,315 $ 89,578 $ 89,392 $ 150,539 $ 150,627 Due in one to five years 160,939 159,081 157,883 153,325 168,856 164,650 Due in five to ten years 89,505 87,359 89,125 84,240 91,620 89,220 Due after ten years 26,992 24,408 24,674 21,650 23,834 21,809 Mortgage-backed 5,366,629 4,944,961 4,364,279 3,792,875 3,885,994 3,485,926 Total available-for-sale securities $ 5,702,349 $ 5,274,124 $ 4,725,539 $ 4,141,482 $ 4,320,843 $ 3,912,232 Held-to-maturity securities Due in one year or less $ 44,853 $ 44,288 $ 18,929 $ 18,658 $ 12,026 $ 11,883 Due in one to five years 81,277 81,174 110,897 108,056 110,330 108,416 Due in five to ten years 91,067 87,541 71,846 70,277 84,580 83,918 Due after ten years 302,624 245,188 329,734 258,379 329,808 271,954 Mortgage-backed 2,918,980 2,402,779 3,082,314 2,455,180 3,141,155 2,645,649 Total held-to-maturity securities $ 3,438,801 $ 2,860,970 $ 3,613,720 $ 2,910,550 $ 3,677,899 $ 3,121,820 Less: Allowance for credit losses ( 395 ) ( 457 ) ( 479 ) Held-to-maturity securities, net of allowance for credit losses $ 3,438,406 $ 3,613,263 $ 3,677,420 Securities having a carrying value of $ 8.0 billion at September 30, 2025 as well as securities having a carrying value of $ 6.9 billion and $ 7.2 billion at December 31, 2024 and September 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 September 30, 2025, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity. 13 Table of Contents (6) Loans The following table shows the Company’s loan portfolio by category as of the dates shown: September 30, December 31, September 30, (Dollars in thousands) 2025 2024 2024 Balance: Commercial $ 16,544,342 $ 15,574,551 $ 15,247,693 Commercial real estate 13,619,207 12,903,944 12,793,417 Home equity 484,202 445,028 427,043 Residential real estate 4,143,870 3,612,765 3,388,038 Premium finance receivables—property & casualty 8,366,292 7,272,042 7,131,681 Premium finance receivables—life insurance 8,758,553 8,147,145 7,996,899 Consumer and other 147,016 99,562 82,676 Total loans, net of unearned income $ 52,063,482 $ 48,055,037 $ 47,067,447 Mix: Commercial 32 % 32 % 33 % Commercial real estate 26 27 27 Home equity 1 1 1 Residential real estate 8 8 7 Premium finance receivables—property & casualty 16 15 15 Premium finance receivables—life insurance 17 17 17 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 $ 272.0 million at September 30, 2025, $ 267.7 million at December 31, 2024 and $ 266.1 million at September 30, 2024. Total loans, excluding purchased credit deteriorated (“PCD”) loans, include net deferred loan fees and costs and fair value purchase accounting adjustments totaling $ 76.5 million at September 30, 2025, $ 78.2 million at December 31, 2024 and $ 79.4 million at September 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 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. 14 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 $ 342.4 million at September 30, 2025, $ 332.8 million at December 31, 2024, and $ 351.5 million at September 30, 2024. The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at September 30, 2025, December 31, 2024 and September 30, 2024: As of September 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 $ 66,577 $ — $ 12,190 $ 36,136 $ 16,429,439 $ 16,544,342 Commercial real estate Construction and development 3,227 — 630 40,276 2,614,020 2,658,153 Non-construction 24,975 — 13,489 42,779 10,879,811 10,961,054 Home equity 1,295 — 246 2,294 480,367 484,202 Residential real estate, excluding early buy-out loans 28,942 — 8,829 95 3,981,180 4,019,046 Premium finance receivables—property & casualty 24,512 13,006 23,527 38,133 8,267,114 8,366,292 Premium finance receivables—life insurance — — 34,016 34,506 8,690,031 8,758,553 Consumer and other 38 60 49 159 146,710 147,016 Total loans, net of unearned income, excluding early buy-out loans $ 149,566 $ 13,066 $ 92,976 $ 194,378 $ 51,488,672 $ 51,938,658 Early buy-out loans guaranteed by U.S. government agencies (1) — 47,374 — — 77,450 124,824 Total loans, net of unearned income $ 149,566 $ 60,440 $ 92,976 $ 194,378 $ 51,566,122 $ 52,063,482 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. 15 Table of Contents As of September 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 $ 63,826 $ 20 $ 32,560 $ 46,057 $ 15,105,230 $ 15,247,693 Commercial real estate Construction and development 2,284 — 757 1,798 2,398,851 2,403,690 Non-construction 39,787 225 12,682 46,548 10,290,485 10,389,727 Home equity 1,122 — 1,035 2,580 422,306 427,043 Residential real estate, excluding early buy-out loans 17,959 — 6,364 2,160 3,226,166 3,252,649 Premium finance receivables—property & casualty 36,079 18,235 18,740 30,204 7,028,423 7,131,681 Premium finance receivables—life insurance — — 10,902 74,432 7,911,565 7,996,899 Consumer and other 2 148 22 264 82,240 82,676 Total loans, net of unearned income, excluding early buy-out loans $ 161,059 $ 18,628 $ 83,062 $ 204,043 $ 46,465,266 $ 46,932,058 Early buy-out loans guaranteed by U.S. government agencies (1) — 43,358 150 — 91,881 135,389 Total loans, net of unearned income $ 161,059 $ 61,986 $ 83,212 $ 204,043 $ 46,557,147 $ 47,067,447 (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 September 30, 2025: Year of Origination Revolving Total (In thousands) 2025 2024 2023 2022 2021 Prior Revolving to Term Loans Loan Balances: Commercial Pass $ 2,829,487 $ 2,846,915 $ 1,744,488 $ 1,266,672 $ 831,328 $ 1,108,613 $ 5,310,722 $ 40,053 $ 15,978,278 Special mention 11,668 41,624 46,403 18,943 31,703 38,400 128,153 360 317,254 Substandard accrual 2,436 16,847 26,199 39,289 35,639 22,204 38,008 1,611 182,233 Substandard nonaccrual/doubtful 951 4,454 7,778 36,977 10,359 3,906 900 1,252 66,577 Total commercial, industrial and other $ 2,844,542 $ 2,909,840 $ 1,824,868 $ 1,361,881 $ 909,029 $ 1,173,123 $ 5,477,783 $ 43,276 $ 16,544,342 Construction and development Pass $ 207,055 $ 736,531 $ 619,287 $ 604,281 $ 73,736 $ 107,992 $ 15,039 $ 894 $ 2,364,815 Special mention — — 29,645 194,759 17,908 15,800 — — 258,112 Substandard accrual — — 12,656 — — 15,445 3,898 — 31,999 Substandard nonaccrual/doubtful — — 1,001 1,321 — 905 — — 3,227 Total construction and development $ 207,055 $ 736,531 $ 662,589 $ 800,361 $ 91,644 $ 140,142 $ 18,937 $ 894 $ 2,658,153 Non-construction Pass $ 1,436,193 $ 1,313,159 $ 1,314,216 $ 1,748,779 $ 1,290,468 $ 3,262,179 $ 225,790 $ 1,692 $ 10,592,476 Special mention 2,080 1,189 63,480 17,694 29,072 35,492 1,414 — 150,421 Substandard accrual — 18,799 1,256 68,472 51,608 52,211 836 — 193,182 Substandard nonaccrual/doubtful — — 1,605 305 — 23,065 — — 24,975 Total non-construction $ 1,438,273 $ 1,333,147 $ 1,380,557 $ 1,835,250 $ 1,371,148 $ 3,372,947 $ 228,040 $ 1,692 $ 10,961,054 Home equity Pass $ — $ 236 $ 68 $ 353 $ 291 $ 13,067 $ 446,524 $ 8,237 $ 468,776 Special mention — 42 — 402 — 2,303 6,187 — 8,934 Substandard accrual — — 15 19 98 2,979 2,086 — 5,197 Substandard nonaccrual/doubtful — — — 88 132 1,075 — — 1,295 Total home equity $ — $ 278 $ 83 $ 862 $ 521 $ 19,424 $ 454,797 $ 8,237 $ 484,202 Residential real estate Early buy-out loans guaranteed by U.S. government agencies $ 192 $ 4,551 $ 7,545 $ 5,280 $ 6,229 $ 101,027 $ — $ — $ 124,824 Pass 833,494 795,118 427,935 762,583 719,435 420,044 — — 3,958,609 Special mention — 2,027 5,793 4,745 1,808 6,822 — — 21,195 16 Table of Contents Substandard accrual 60 136 913 3,799 1,833 3,559 — — 10,300 Substandard nonaccrual/doubtful — 1,214 5,463 7,772 6,475 8,018 — — 28,942 Total residential real estate $ 833,746 $ 803,046 $ 447,649 $ 784,179 $ 735,780 $ 539,470 $ — $ — $ 4,143,870 Premium finance receivables - property and casualty Pass $ 8,030,161 $ 180,763 $ 3,906 $ 1,113 $ 1,268 $ — $ — $ — $ 8,217,211 Special mention 102,653 4,466 9 — — — — — 107,128 Substandard accrual 15,393 2,044 — 3 1 — — — 17,441 Substandard nonaccrual/doubtful 13,542 10,941 25 3 1 — — — 24,512 Total premium finance receivables - property and casualty $ 8,161,749 $ 198,214 $ 3,940 $ 1,119 $ 1,270 $ — $ — $ — $ 8,366,292 Premium finance receivables - life (1) Pass $ 437,422 $ 720,916 $ 541,345 $ 711,083 $ 1,057,431 $ 5,290,356 $ — $ — $ 8,758,553 Special mention — — — — — — — — — Substandard accrual — — — — — — — — — Substandard nonaccrual/doubtful — — — — — — — — — Total premium finance receivables - life $ 437,422 $ 720,916 $ 541,345 $ 711,083 $ 1,057,431 $ 5,290,356 $ — $ — $ 8,758,553 Consumer and other Pass $ 5,180 $ 2,524 $ 1,858 $ 330 $ 622 $ 63,148 $ 72,998 $ — $ 146,660 Special mention 25 38 32 81 — 109 12 — 297 Substandard accrual — 2 — — — 14 5 — 21 Substandard nonaccrual/doubtful — 2 — — — 36 — — 38 Total consumer and other $ 5,205 $ 2,566 $ 1,890 $ 411 $ 622 $ 63,307 $ 73,015 $ — $ 147,016 Total loans Early buy-out loans guaranteed by U.S. government agencies $ 192 $ 4,551 $ 7,545 $ 5,280 $ 6,229 $ 101,027 $ — $ — $ 124,824 Pass 13,778,992 6,596,162 4,653,103 5,095,194 3,974,579 10,265,399 6,071,073 50,876 50,485,378 Special mention 116,426 49,386 145,362 236,624 80,491 98,926 135,766 360 863,341 Substandard accrual 17,889 37,828 41,039 111,582 89,179 96,412 44,833 1,611 440,373 Substandard nonaccrual/doubtful 14,493 16,611 15,872 46,466 16,967 37,005 900 1,252 149,566 Total loans $ 13,927,992 $ 6,704,538 $ 4,862,921 $ 5,495,146 $ 4,167,445 $ 10,598,769 $ 6,252,572 $ 54,099 $ 52,063,482 Gross write offs Three months ended September 30, 2025 $ 7,305 $ 494 $ 1,457 $ 4,748 $ 12,046 $ 2,796 $ — $ — $ 28,846 Nine months ended September 30, 2025 $ 8,709 $ 15,297 $ 5,246 $ 8,129 $ 14,193 $ 13,216 $ — $ — $ 64,790 (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. 17 Table of Contents As of September 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 $ 147,827 $ 30,713 $ 313,540 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total U.S. government agencies $ — $ — $ — $ 135,000 $ 147,827 $ 30,713 $ 313,540 Municipal 1-4 internal grade $ — $ — $ 4,092 $ 1,028 $ 6,742 $ 141,784 $ 153,646 5-7 internal grade — — — — — 2,124 2,124 8-10 internal grade — — — — — — — Total municipal $ — $ — $ 4,092 $ 1,028 $ 6,742 $ 143,908 $ 155,770 Mortgage-backed securities 1-4 internal grade $ — $ — $ 296,804 $ 496,580 $ 2,125,596 $ — $ 2,918,980 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total mortgage-backed securities $ — $ — $ 296,804 $ 496,580 $ 2,125,596 $ — $ 2,918,980 Corporate notes 1-4 internal grade $ — $ — $ — $ 14,972 $ — $ 35,539 $ 50,511 5-7 internal grade — — — — — — — 8-10 internal grade — — — — — — — Total corporate notes $ — $ — $ — $ 14,972 $ — $ 35,539 $ 50,511 Total held-to-maturity securities $ 3,438,801 Less: Allowance for credit losses ( 395 ) Held-to-maturity securities, net of allowance for credit losses $ 3,438,406 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. September 30, December 31, September 30, (In thousands) 2025 2024 2024 Allowance for loan losses $ 386,622 $ 364,017 $ 360,279 Allowance for unfunded lending-related commitments losses 67,569 72,586 75,435 Allowance for loan losses and unfunded lending-related commitments losses 454,191 436,603 435,714 Allowance for held-to-maturity securities losses 395 457 479 Allowance for credit losses $ 454,586 $ 437,060 $ 436,193 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 18 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 September 30, 2025, excluding loans carried at fair value, substandard nonaccrual loans totaling $ 66.4 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