10-Q – 2026-05-06 – wtfc-20260331.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 March 31, 2026
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, 67,447,756 shares, as of April 30, 2026

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
44

ITEM 3. Quantitative and Qualitative Disclosures About Market Risk
68

ITEM 4. Controls and Procedures
70

PART II. — OTHER INFORMATION
ITEM 1. Legal Proceedings
70

ITEM 1A. Risk Factors
70

ITEM 2. Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity Securities
71

ITEM 3. Defaults Upon Senior Securities NA
ITEM 4. Mine Safety Disclosures NA
ITEM 5. Other Information
71

ITEM 6. Exhibits
71

Signatures
72

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) March 31,
2026 December 31,
2025 March 31,
2025
Assets
Cash and due from banks $ 543,654   $ 467,874   $ 616,216  
Federal funds sold and securities purchased under resale agreements 65   64   63  
Interest-bearing deposits with banks 3,051,665   3,180,553   4,238,237  
Available-for-sale securities, at fair value 7,244,282   6,236,263   4,220,305  
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $ 257 , $ 260 and $ 446 at March 31, 2026, December 31, 2025 and March 31, 2025, respectively ($ 2.7 billion, $ 2.8 billion and $ 2.9 billion fair value at March 31, 2026, December 31, 2025 and March 31, 2025, respectively)
3,270,207   3,343,905   3,564,490  

Equity securities with readily determinable fair value 63,786   63,770   270,442  
Federal Home Loan Bank and Federal Reserve Bank stock 292,044   291,881   281,893  

Mortgage loans held-for-sale, at fair value 383,405   340,745   316,804  

Loans, net of unearned income 54,071,292   53,105,101   48,708,390  
Allowance for loan losses ( 390,651 ) ( 379,283 ) ( 378,207 )

Net loans 53,680,641   52,725,818   48,330,183  
Premises, software and equipment, net 777,603   781,611   776,679  
Lease investments, net 362,766   360,646   280,472  

Accrued interest receivable and other assets 1,596,617   1,617,682   1,598,255  
Receivable on unsettled securities sales —   835,275   463,023  

Goodwill 797,658   797,960   796,932  
Other acquisition-related intangible assets 93,040   97,999   116,072  
Total assets $ 72,157,433   $ 71,142,046   $ 65,870,066  

Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing $ 12,112,891   $ 11,423,701   $ 11,201,859  
Interest-bearing 46,801,491   46,293,490   42,368,179  
Total deposits 58,914,382   57,717,191   53,570,038  

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

Other borrowings 340,647   477,966   529,269  

Subordinated notes 298,717   298,636   298,360  
Junior subordinated debentures 253,566   253,566   253,566  

Accrued interest payable and other liabilities 1,520,712   1,684,663   1,466,987  

Total liabilities 64,779,333   63,883,331   59,269,529  
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:

Series D - $ 25 liquidation value; no shares issued and outstanding at March 31, 2026 and December 31, 2025 and 5,000,000 shares issued and outstanding at March 31, 2025
—   —   125,000  
Series E - $ 25,000 liquidation value; no shares issued and outstanding at March 31, 2026 and December 31, 2025 and 11,500 shares issued and outstanding at March 31, 2025
—   —   287,500  
Series F - $ 25,000 liquidation value; 17,000 shares issued and outstanding at March 31, 2026 and December 31, 2025 and no shares issued and outstanding at March 31, 2025
425,000   425,000   —  
Common stock, no par value; $ 1.00 stated value; 100,000,000 shares authorized at March 31, 2026, December 31, 2025 and March 31, 2025; 67,563,372 shares issued at March 31, 2026, 67,062,182 shares issued at December 31, 2025 and 67,006,594 shares issued at March 31, 2025
67,563   67,062   67,007  
Surplus 2,546,754   2,534,024   2,494,347  
Treasury stock, at cost, 126,072 shares at March 31, 2026, 87,269 shares at December 31, 2025, and 87,269 shares at March 31, 2025
( 13,970 ) ( 9,156 ) ( 9,156 )
Retained earnings 4,719,561   4,537,539   4,045,854  
Accumulated other comprehensive loss ( 366,808 ) ( 295,754 ) ( 410,015 )
Total shareholders’ equity 7,378,100   7,258,715   6,600,537  
Total liabilities and shareholders’ equity $ 72,157,433   $ 71,142,046   $ 65,870,066  

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
(Dollars in thousands, except per share data) March 31,
2026 March 31,
2025
Interest income
Interest and fees on loans $ 797,889   $ 768,362  
Mortgage loans held-for-sale 4,615   4,246  
Interest-bearing deposits with banks 19,150   36,766  
Federal funds sold and securities purchased under resale agreements 64   179  
Investment securities 100,278   72,016  
Trading account securities —   11  
Federal Home Loan Bank and Federal Reserve Bank stock 5,564   5,307  
Brokerage customer receivables —   78  
Total interest income 927,560   886,965  
Interest expense
Interest on deposits 309,187   320,233  
Interest on Federal Home Loan Bank advances 27,701   25,441  
Interest on other borrowings 4,026   6,792  
Interest on subordinated notes 3,719   3,714  
Interest on junior subordinated debentures 3,903   4,311  
Total interest expense 348,536   360,491  
Net interest income 579,024   526,474  
Provision for credit losses 29,594   23,963  
Net interest income after provision for credit losses 549,430   502,511  
Non-interest income
Wealth management 42,059   34,042  
Mortgage banking 23,396   20,529  
Service charges on deposit accounts 20,970   19,362  
(Losses) gains on investment securities, net ( 31 ) 3,196  
Fees from covered call options 4,669   3,446  
Trading gains (losses), net 10   ( 64 )
Operating lease income, net 19,154   15,287  
Other 23,915   20,836  
Total non-interest income 134,142   116,634  
Non-interest expense
Salaries and employee benefits 228,447   211,526  
Software and equipment 35,654   34,717  
Operating lease equipment 10,987   10,471  
Occupancy, net 20,566   20,778  
Data processing 11,266   11,274  
Advertising and marketing 13,218   12,272  
Professional fees 7,375   9,044  
Amortization of other acquisition-related intangible assets 4,958   5,618  
FDIC insurance 10,990   10,926  
Other real estate owned expense, net 207   643  
Other 38,964   38,821  
Total non-interest expense 382,632   366,090  
Income before taxes 300,940   253,055  
Income tax expense 73,552   64,016  
Net income $ 227,388   $ 189,039  
Preferred stock dividends 8,367   6,991  

Net income applicable to common shares $ 219,021   $ 182,048  
Net income per common share—Basic $ 3.26   $ 2.73  
Net income per common share—Diluted $ 3.22   $ 2.69  
Cash dividends declared per common share $ 0.55   $ 0.50  
Weighted average common shares outstanding 67,246   66,726  
Dilutive potential common shares 851   923  
Average common shares and dilutive common shares 68,097   67,649  

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
(In thousands) March 31,
2026 March 31,
2025
Net income $ 227,388   $ 189,039  
Unrealized (losses) gains on available-for-sale securities
Before tax ( 60,496 ) 74,826  
Tax effect 15,729   ( 19,455 )
Net of tax ( 44,767 ) 55,371  
Reclassification of net losses on available-for-sale securities included in net income
Before tax ( 2 ) ( 301 )
Tax effect 1   78  
Net of tax ( 1 ) ( 223 )
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax 13   11  
Tax effect ( 3 ) ( 3 )
Net of tax 10   8  
Net unrealized (losses) gains on available-for-sale securities ( 44,776 ) 55,586  
Unrealized (losses) gains on derivative instruments
Before tax ( 29,446 ) 58,073  
Tax effect 7,656   ( 15,099 )
Net unrealized (losses) gains on derivative instruments ( 21,790 ) 42,974  
Foreign currency adjustment
Before tax ( 5,436 ) ( 278 )
Tax effect 948   38  
Net foreign currency adjustment ( 4,488 ) ( 240 )
Total other comprehensive (loss) income ( 71,054 ) 98,320  
Comprehensive income $ 156,334   $ 287,359  

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 January 1, 2025 $ 412,500   $ 66,560   $ 2,482,561   $ ( 6,153 ) $ 3,897,164   $ ( 508,335 ) $ 6,344,297  

Net income —  —  —  —  189,039   —  189,039  
Other comprehensive income, net of tax —  —  —  —  —  98,320   98,320  
Cash dividends declared on common stock, $ 0.50 per share
—  —  —  —  ( 33,358 ) —  ( 33,358 )
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 —  —  10,411   —  —  —  10,411  

Common stock issued for:

Exercise of stock options —  5   214   —  —  —  219  
Restricted stock awards —  417   ( 417 ) ( 3,003 ) —  —  ( 3,003 )
Employee stock purchase plan —  7   768   —  —  —  775  
Director compensation plan —  18   810   —  —  —  828  
Balance at March 31, 2025 $ 412,500   $ 67,007   $ 2,494,347   $ ( 9,156 ) $ 4,045,854   $ ( 410,015 ) $ 6,600,537  

Balance at January 1, 2026 $ 425,000   $ 67,062   $ 2,534,024   $ ( 9,156 ) $ 4,537,539   $ ( 295,754 ) $ 7,258,715  

Net income —   —   —   —   227,388   —   227,388  
Other comprehensive loss, net of tax —   —   —   —   —   ( 71,054 ) ( 71,054 )
Cash dividends declared on common stock, $ 0.55 per share
—   —   —   —   ( 36,999 ) —   ( 36,999 )
Dividends on Series F preferred stock, $ 492.19 per share
—   —   —   —   ( 8,367 ) —   ( 8,367 )

Stock-based compensation —   —   11,324   —   —   —   11,324  

Common stock issued for:
Exercise of stock options —   2   93   —   —   —   95  
Restricted stock awards —   464   ( 464 ) ( 4,814 ) —   —   ( 4,814 )
Employee stock purchase plan —   6   796   —   —   —   802  
Director compensation plan —   29   981   —   —   —   1,010  
Balance at March 31, 2026 $ 425,000   $ 67,563   $ 2,546,754   $ ( 13,970 ) $ 4,719,561   $ ( 366,808 ) $ 7,378,100  

See accompanying notes to unaudited consolidated financial statements.
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WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

Three Months Ended
(In thousands) March 31,
2026 March 31,
2025
Operating Activities:
Net income $ 227,388   $ 189,039  
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses 29,594   23,963  
Depreciation, amortization and accretion, net 29,927   29,488  
Stock-based compensation expense 11,324   10,411  

Accretion of discount on securities, net ( 7,734 ) ( 531 )
Amortization (accretion) of discount and deferred fees on loans, net 14,143   ( 5,908 )
Mortgage servicing rights fair value changes 207   12,150  
Non-designated derivatives fair value changes, net 1,511   56,603  
Originations and purchases of mortgage loans held-for-sale ( 593,993 ) ( 460,453 )
Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs ( 23,205 ) 5,255  
Proceeds from sales of mortgage loans held-for-sale 568,725   470,250  

Bank owned life insurance (“BOLI”) gains ( 948 ) ( 796 )
Decrease in trading securities, net —   4,072  
Decrease in brokerage customer receivables, net —   18,102  
Gains on mortgage loans sold ( 17,706 ) ( 13,766 )

Losses (gains) on investment securities, net, and dividend reinvestment on equity securities 31   ( 3,196 )

Losses on sales of premises and equipment, net 56   173  
(Gains) losses on sales and fair value adjustments of other real estate owned, net ( 167 ) 491  
Decrease in accrued interest receivable and other assets, net 823,271   107,816  
Decrease in accrued interest payable and other liabilities, net ( 135,241 ) ( 323,409 )
Net Cash Provided by Operating Activities 927,183   119,754  
Investing Activities:

Proceeds from payments and maturities of available-for-sale securities 204,357   135,124  
Proceeds from payments, maturities and calls of held-to-maturity securities 73,537   48,565  

Proceeds from sales of equity securities with readily determinable fair value —   5,000  
Proceeds from sales and capital distributions of equity securities without readily determinable fair value 646   —  
Purchases of available-for-sale securities ( 1,264,988 ) ( 601,365 )

Purchases of equity securities with readily determinable fair value ( 300 ) ( 56,019 )
Purchases of equity securities without readily determinable fair value ( 964 ) ( 1,053 )
Purchases of Federal Home Loan Bank and Federal Reserve Bank stock, net ( 163 ) ( 486 )
Distributions from investments in partnerships, net 1,430   869  

Proceeds from sales of other real estate owned 4,760   —  

Decrease in interest-bearing deposits with banks, net 126,618   171,531  
Increase in loans, net ( 998,702 ) ( 682,839 )
Redemption of BOLI 2   —  
(Purchases) sales of premises and equipment, net ( 13,210 ) 7,299  
Net Cash Used for Investing Activities ( 1,866,977 ) ( 973,374 )
Financing Activities:
Increase in deposit accounts, net 1,197,191   1,057,689  
Decrease in other borrowings, net ( 133,343 ) ( 4,796 )

Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan 1,907   1,822  

Common stock repurchases for tax withholdings related to stock-based compensation ( 4,814 ) ( 3,003 )
Dividends paid ( 45,366 ) ( 40,349 )
Net Cash Provided by Financing Activities 1,015,575   1,011,363  
Net Increase in Cash and Cash Equivalents 75,781   157,743  
Cash and Cash Equivalents at Beginning of Period 467,938   458,536  
Cash and Cash Equivalents at End of Period $ 543,719   $ 616,279  

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, 2025 (“2025 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 2025 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

Disaggregation of Income Statement Expenses

In November 2024, the FASB issued Accounting Standards Update (“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. The Company adopted ASU No. 2024-04 as of January 1, 2026. Adoption of this standard did not impact the Company’s consolidated financial statements.

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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. The Company adopted ASU No. 2025-05 as of January 1, 2026. Adoption of this standard did not impact the Company’s consolidated financial statements as the Company did not 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 retrospective basis. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements.

Credit Losses - Purchased Loans

In November 2025, the FASB issued ASU No. 2025-08, “Financial Instruments - Credit Losses (Topic 326): Purchased Loans” which expands the population of acquired financial assets subject to the gross-up approach under Topic 326. Loans—excluding credit cards—acquired without credit deterioration and deemed “seasoned” are purchased seasoned loans and accounted for using the gross-up approach at acquisition. The Company early adopted ASU No. 2025-08 as of January 1, 2026. Adoption of this standard did not impact the Company’s consolidated financial statements in the current period as no acquisition occurred.

Hedge Accounting Improvements

In November 2025, the FASB issued ASU No. 2025-09, “Derivatives and Hedging (Topic 815): Hedge Accounting Improvements” which clarifies certain aspects of the guidance on hedge accounting and addresses several incremental hedge accounting issues arising from the global reference rate reform initiative. For public business entities, this guidance is effective for fiscal years beginning after December 15, 2026, including interim periods therein, and should be applied on a prospective basis for all hedging relationships. Early adoption is permitted. The Company is currently evaluating the impact of adopting this new guidance on the consolidated financial statements.

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Interim Reporting Scope Improvements

In December 2025, the FASB issued ASU No. 2025-11, “Interim Reporting (Topic 270): Narrow-Scope Improvements” which clarifies interim disclosure requirements and the applicability of Topic 270, resulting in a comprehensive list of interim disclosures required by GAAP. For public business entities, this guidance is effective for fiscal years beginning after December 15, 2027, including interim periods therein, and can be applied either on a prospective or 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 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.

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(5) Investment Securities

The following tables are a summary of the investment securities portfolios as of the dates shown:

March 31, 2026
(In thousands) Amortized
Cost Gross
Unrealized
Gains Gross
Unrealized
Losses Fair
Value
Available-for-sale securities
U.S. Treasury $ 5,000   $ 14   $ —   $ 5,014  
U.S. government agencies 50,000   —   ( 3,031 ) 46,969  
Municipal 175,440   1,145   ( 2,326 ) 174,259  
Corporate notes:
Financial issuers 79,000   —   ( 2,403 ) 76,597  
Other 1,000   —   —   1,000  
Mortgage-backed: (1)

Residential mortgage-backed securities 6,420,181   9,567   ( 438,090 ) 5,991,658  
Commercial (multi-family) mortgage-backed securities 326,241   308   ( 8,052 ) 318,497  
Collateralized mortgage obligations 647,131   923   ( 17,766 ) 630,288  
Total available-for-sale securities $ 7,703,993   $ 11,957   $ ( 471,668 ) $ 7,244,282  
Held-to-maturity securities
U.S. government agencies $ 313,541   $ —   $ ( 59,677 ) $ 253,864  
Municipal 139,117   277   ( 2,561 ) 136,833  
Mortgage-backed: (1)

Residential mortgage-backed securities 2,613,914   3,964   ( 492,262 ) 2,125,616  
Commercial (multi-family) mortgage-backed securities 6,269   26   ( 91 ) 6,204  
Collateralized mortgage obligations 168,590   450   ( 17,551 ) 151,489  
Corporate notes 29,033   —   ( 259 ) 28,774  
Total held-to-maturity securities $ 3,270,464   $ 4,717   $ ( 572,401 ) $ 2,702,780  
Less: Allowance for credit losses ( 257 )
Held-to-maturity securities, net of allowance for credit losses $ 3,270,207  
Equity securities with readily determinable fair value $ 61,511   $ 6,174   $ ( 3,899 ) $ 63,786  

(1) None of our mortgage-backed securities are subprime.

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December 31, 2025
Amortized
Cost Gross
Unrealized
Gains Gross
Unrealized
Losses Fair
Value
(In thousands)
Available-for-sale securities
U.S. Treasury $ 6,999   $ 36   $ —   $ 7,035  
U.S. government agencies 50,000   —   ( 2,529 ) 47,471  
Municipal 162,373   1,643   ( 1,850 ) 162,166  
Corporate notes:
Financial issuers 79,000   —   ( 2,704 ) 76,296  
Other 1,000   —   ( 1 ) 999  
Mortgage-backed: (1)

Residential mortgage-backed securities 5,533,710   25,926   ( 402,953 ) 5,156,683  
Commercial (multi-family) mortgage-backed securities 280,969   570   ( 4,986 ) 276,553  
Collateralized mortgage obligations 521,430   2,305   ( 14,675 ) 509,060  
Total available-for-sale securities $ 6,635,481   $ 30,480   $ ( 429,698 ) $ 6,236,263  
Held-to-maturity securities
U.S. government agencies $ 313,541   $ —   $ ( 57,269 ) $ 256,272  
Municipal 144,192   451   ( 2,012 ) 142,631  
Mortgage-backed: (1)

Residential Mortgage-backed securities 2,667,371   7,503   ( 491,124 ) 2,183,750  
Commercial (multi-family) mortgage-backed securities 6,293   72   ( 92 ) 6,273  
Collateralized mortgage obligations 177,671   836   ( 16,989 ) 161,518  
Corporate notes 35,097   2   ( 396 ) 34,703  
Total held-to-maturity securities $ 3,344,165   $ 8,864   $ ( 567,882 ) $ 2,785,147  
Less: Allowance for credit losses ( 260 )
Held-to-maturity securities, net of allowance for credit losses $ 3,343,905  
Equity securities with readily determinable fair value $ 61,211   $ 6,318   $ ( 3,759 ) $ 63,770  

(1) None of our mortgage-backed securities are subprime.

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March 31, 2025
Amortized
Cost Gross
Unrealized
Gains Gross
Unrealized
Losses Fair
Value
(In thousands)
Available-for-sale securities
U.S. Treasury $ 12,943   $ 51   $ —   $ 12,994  
U.S. government agencies 50,000   —   ( 4,056 ) 45,944  
Municipal 190,670   1,063   ( 3,584 ) 188,149  
Corporate notes:
Financial issuers 83,997   —   ( 3,562 ) 80,435  
Other 1,000   —   ( 0 ) 1,000  
Mortgage-backed: (1)

Residential mortgage-backed securities 4,067,349   907   ( 482,256 ) 3,586,000  
Commercial (multi-family) mortgage-backed securities 58,205   118   ( 1,696 ) 56,627  
Collateralized mortgage obligations 265,070   1,250   ( 17,164 ) 249,156  
Total available-for-sale securities $ 4,729,234   $ 3,389   $ ( 512,318 ) $ 4,220,305  
Held-to-maturity securities
U.S. government agencies $ 313,539   $ —   $ ( 62,627 ) $ 250,912  
Municipal 158,307   303   ( 4,964 ) 153,646  
Mortgage-backed: (1)

Residential mortgage-backed securities 2,825,859   1,072   ( 555,525 ) 2,271,406  
Commercial (multi-family) mortgage-backed securities 6,351   20   ( 134 ) 6,237  
Collateralized mortgage obligations 204,199   763   ( 19,678 ) 185,284  
Corporate notes 56,681   14   ( 1,367 ) 55,328  
Total held-to-maturity securities $ 3,564,936   $ 2,172   $ ( 644,295 ) $ 2,922,813  
Less: Allowance for credit losses ( 446 )
Held-to-maturity securities, net of allowance for credit losses $ 3,564,490  
Equity securities with readily determinable fair value $ 272,400   $ 5,254   $ ( 7,212 ) $ 270,442  

(1) None of our mortgage-backed securities are subprime.

Equity securities without readily determinable fair values totaled $ 69.3 million as of March 31, 2026. 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 March 31, 2026, the Company recorded no upward or downward adjustments related to such observable price changes. During the three months ended March 31, 2025, the Company recorded a downward adjustment of $ 20,000 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 months ended March 31, 2026 and March 31, 2025, the Company recorded no 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 March 31, 2026:

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. government agencies $ —   $ —   $ 46,969   $ ( 3,031 ) $ 46,969   $ ( 3,031 )
Municipal 63,183   ( 608 ) 29,491   ( 1,718 ) 92,674   ( 2,326 )
Corporate notes:
Financial issuers —   —   76,597   ( 2,403 ) 76,597   ( 2,403 )

Mortgage-backed: (1)

Residential mortgage-backed securities 2,938,020   ( 35,434 ) 2,097,732   ( 402,656 ) 5,035,752   ( 438,090 )
Commercial (multi-family) mortgage-backed securities 232,695   ( 5,441 ) 44,959   ( 2,611 ) 277,654   ( 8,052 )
Collateralized mortgage obligations 401,355   ( 2,767 ) 61,797   ( 14,999 ) 463,152   ( 17,766 )
Total available-for-sale securities $ 3,635,253   $ ( 44,250 ) $ 2,357,545   $ ( 427,418 ) $ 5,992,798   $ ( 471,668 )

(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 March 31, 2026 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 March 31, 2026 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 March 31, 2026.

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 March 31,
(In thousands) 2026 2025
Realized gains on investment securities $ 264   $ 189  
Realized losses on investment securities ( 11 ) ( 361 )
Net realized gains (losses) on investment securities 253   ( 172 )

Unrealized gains on equity securities with readily determinable fair value 206   3,445  
Unrealized losses on equity securities with readily determinable fair value ( 490 ) ( 57 )
Net unrealized (losses) gains on equity securities with readily determinable fair value ( 284 ) 3,388  

Downward adjustments of equity securities without readily determinable fair values —   ( 20 )

(Losses) gains on investment securities, net $ ( 31 ) $ 3,196  

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The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of March 31, 2026, December 31, 2025 and March 31, 2025, 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:

March 31, 2026 December 31, 2025 March 31, 2025
(In thousands) Amortized Cost Fair Value Amortized Cost Fair Value Amortized Cost Fair Value
Available-for-sale securities
Due in one year or less $ 52,659   $ 52,630   $ 47,978   $ 47,915   $ 61,653   $ 61,702  
Due in one to five years 144,558   142,218   143,352   141,123   160,377   156,869  
Due in five to ten years 83,262   81,813   80,561   79,672   89,444   85,935  
Due after ten years 29,961   27,178   27,481   25,257   27,136   24,016  
Mortgage-backed 7,393,553   6,940,443   6,336,109   5,942,296   4,390,624   3,891,783  
Total available-for-sale securities $ 7,703,993   $ 7,244,282   $ 6,635,481   $ 6,236,263   $ 4,729,234   $ 4,220,305  
Held-to-maturity securities
Due in one year or less $ 41,651   $ 41,412   $ 47,030   $ 46,630   $ 27,766   $ 27,436  
Due in one to five years 77,489   77,218   76,452   76,366   103,583   101,546  
Due in five to ten years 60,440   56,617   67,195   63,882   94,324   88,875  
Due after ten years 302,111   244,224   302,153   246,728   302,854   242,029  
Mortgage-backed 2,788,773   2,283,309   2,851,335   2,351,541   3,036,409   2,462,927  
Total held-to-maturity securities $ 3,270,464   $ 2,702,780   $ 3,344,165   $ 2,785,147   $ 3,564,936   $ 2,922,813  
Less: Allowance for credit losses ( 257 ) ( 260 ) ( 446 )
Held-to-maturity securities, net of allowance for credit losses $ 3,270,207   $ 3,343,905   $ 3,564,490  

Securities having a carrying value of $ 9.4 billion at March 31, 2026 as well as securities having a carrying value of $ 8.6 billion and $ 7.0 billion at December 31, 2025 and March 31, 2025, 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 March 31, 2026, 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:

March 31, December 31, March 31,
(Dollars in thousands) 2026 2025 2025
Balance:
Commercial $ 17,763,221   $ 17,044,686   $ 15,931,326  
Commercial real estate 14,162,286   13,940,736   12,914,901  
Home equity 471,264   480,525   455,683  
Residential real estate 4,465,166   4,317,232   3,685,159  
Premium finance receivables—property & casualty 7,890,331   8,183,416   7,239,862  
Premium finance receivables—life insurance 9,196,382   9,023,642   8,365,140  
Consumer and other 122,642   114,864   116,319  
    Total loans, net of unearned income $ 54,071,292   $ 53,105,101   $ 48,708,390  
Mix:
Commercial 33   % 32   % 33   %
Commercial real estate 26   26   26  
Home equity 1   1   1  
Residential real estate 8   8   8  
Premium finance receivables—property & casualty 15   16   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 $ 260.0  million at March 31, 2026, $ 268.6 million at December 31, 2025 and $ 261.1 million at March 31, 2025.

Total loans, excluding purchased credit deteriorated (“PCD”) loans, include net deferred loan fees and costs and fair value purchase accounting adjustments totaling $ 93.3 million at March 31, 2026, $ 77.9 million at December 31, 2025 and $ 80.1 million at March 31, 2025.

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 2025 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 $ 326.0 million at March 31, 2026, $ 312.2 million at December 31, 2025, and $ 335.4 million at March 31, 2025.

The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at March 31, 2026, December 31, 2025 and March 31, 2025:

As of March 31, 2026 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 $ 87,750   $ —   $ 9,996   $ 90,389   $ 17,575,086   $ 17,763,221  

Commercial real estate
Construction and development 860   —   —   7,607   2,315,475   2,323,942  
Non-construction 15,897   —   17,133   46,536   11,758,778   11,838,344  

Home equity 1,142   —   463   2,012   467,647   471,264  

Residential real estate, excluding early buy-out loans 27,360   —   129   30,854   4,261,598   4,319,941  

Premium finance receivables—property & casualty 33,891   15,823   16,188   47,936   7,776,493   7,890,331  
Premium finance receivables—life insurance —   —   22,690   58,760   9,114,932   9,196,382  

Consumer and other 16   10   130   230   122,256   122,642  
Total loans, net of unearned income, excluding early buy-out loans $ 166,916   $ 15,833   $ 66,729   $ 284,324   $ 53,392,265   $ 53,926,067  
Early buy-out loans guaranteed by U.S. government agencies (1)
—   55,678   —   410   89,137   145,225  
Total loans, net of unearned income $ 166,916   $ 71,511   $ 66,729   $ 284,734   $ 53,481,402   $ 54,071,292  

(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.

As of December 31, 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 $ 78,059   $ —   $ 22,952   $ 90,205   $ 16,853,470   $ 17,044,686  

Commercial real estate
Construction and development 2,976   —   1,260   13,456   2,391,890   2,409,582  
Non-construction 22,171   —   18,269   52,145   11,438,569   11,531,154  

Home equity 1,221   —   1,112   2,818   475,374   480,525  

Residential real estate, excluding early buy-out loans 32,862   —   7,562   24,908   4,106,107   4,171,439  

Premium finance receivables—property & casualty 29,354   19,115   29,294   57,685   8,047,968   8,183,416  
Premium finance receivables—life insurance —   —   13,887   22,806   8,986,949   9,023,642  

Consumer and other 8   42   466   643   113,705   114,864  
Total loans, net of unearned income, excluding early buy-out loans $ 166,651   $ 19,157   $ 94,802   $ 264,666   $ 52,414,032   $ 52,959,308  
Early buy-out loans guaranteed by U.S. government agencies (1)
—   53,848   204   1,316   90,425   145,793  
Total loans, net of unearned income $ 166,651   $ 73,005   $ 95,006   $ 265,982   $ 52,504,457   $ 53,105,101  

(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 March 31, 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 $ 70,560   $ 46   $ 15,243   $ 97,397   $ 15,748,080   $ 15,931,326  

Commercial real estate
Construction and development 3,613   —   820   3,994   2,440,454   2,448,881  
Non-construction 22,574   —   6,175   79,659   10,357,612   10,466,020  

Home equity 2,070   —   984   3,403   449,226   455,683  

Residential real estate, excluding early buy-out loans 22,522   —   1,351   38,943   3,498,601   3,561,417  

Premium finance receivables—property & casualty 29,846   18,081   19,717   39,459   7,132,759   7,239,862  
Premium finance receivables—life insurance —   2,962   10,587   29,924   8,321,667   8,365,140  

Consumer and other 18   98   162   542   115,499   116,319  
Total loans, net of unearned income, excluding early buy-out loans $ 151,203   $ 21,187   $ 55,039   $ 293,321   $ 48,063,898   $ 48,584,648  
Early buy-out loans guaranteed by U.S. government agencies (1)
—   30,460   1,457   2,125   89,700   123,742  
Total loans, net of unearned income $ 151,203   $ 51,647   $ 56,496   $ 295,446   $ 48,153,598   $ 48,708,390  

(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 2025 Form 10-K.

The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at March 31, 2026:

Year of Origination Revolving Total
(In thousands) 2026 2025 2024 2023 2022 Prior Revolving to Term Loans
Loan Balances:
Commercial
Pass $ 1,128,024   $ 3,409,076   $ 2,539,319   $ 1,466,746   $ 950,509   $ 1,706,753   $ 5,908,872   $ 4,296   $ 17,113,595  
Special mention 12,932   39,064   17,338   39,832   10,024   49,877   185,800   1,831   356,698  
Substandard accrual 38   13,422   42,162   31,142   25,238   26,935   65,876   365   205,178  
Substandard nonaccrual/doubtful 699   7,575   9,533   15,633   26,369   27,798   93   50   87,750  
Total commercial, industrial and other $ 1,141,693   $ 3,469,137   $ 2,608,352   $ 1,553,353   $ 1,012,140   $ 1,811,363   $ 6,160,641   $ 6,542   $ 17,763,221  
Construction and development
Pass $ 44,408   $ 444,356   $ 581,752   $ 406,585   $ 457,670   $ 115,354   $ 13,095   $ —   $ 2,063,220  
Special mention —   —   —   100,199   110,536   17,143   —   —   227,878  
Substandard accrual —   —   —   15,671   13,210   3,103   —   —   31,984  
Substandard nonaccrual/doubtful —   —   —   —   —   860   —   —   860  
Total construction and development $ 44,408   $ 444,356   $ 581,752   $ 522,455   $ 581,416   $ 136,460   $ 13,095   $ —   $ 2,323,942  
Non-construction
Pass $ 562,305   $ 2,251,927   $ 1,340,508   $ 1,134,410   $ 1,742,468   $ 4,143,030   $ 181,672   $ 631   $ 11,356,951  
Special mention 89,700   2,038   1,218   54,433   66,903   57,754   1,414   —   273,460  
Substandard accrual —   —   17,029   33,319   52,064   89,624   —   —   192,036  
Substandard nonaccrual/doubtful —   —   —   1,347   690   13,860   —   —   15,897  
Total non-construction $ 652,005   $ 2,253,965   $ 1,358,755   $ 1,223,509   $ 1,862,125   $ 4,304,268   $ 183,086   $ 631   $ 11,838,344  
Home equity
Pass $ —   $ —   $ 200   $ 96   $ 357   $ 23,237   $ 430,088   $ 2,012   $ 455,990  
Special mention —   —   9   —   115   1,611   6,871   87   8,693  
Substandard accrual —   —   11   224   19   3,490   1,598   97   5,439  
Substandard nonaccrual/doubtful —   —   —   98   188   856   —   —   1,142  
Total home equity $ —   $ —   $ 220   $ 418   $ 679   $ 29,194   $ 438,557   $ 2,196   $ 471,264  
Residential real estate
Early buy-out loans guaranteed by U.S. government agencies $ —   $ 397   $ 9,574   $ 9,245   $ 8,645   $ 117,364   $ —   $ —   $ 145,225  
Pass 332,704   1,081,396   648,227   369,163   734,147   1,091,957   —   —   4,257,594  
Special mention 165   271   788   3,937   5,593   10,576   —   —   21,330  

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Substandard accrual —   298   217   1,192   5,876   6,074   —   —   13,657  
Substandard nonaccrual/doubtful —   570   3,707   5,876   6,895   10,312   —   —   27,360  
Total residential real estate $ 332,869   $ 1,082,932   $ 662,513   $ 389,413   $ 761,156   $ 1,236,283   $ —   $ —   $ 4,465,166  
Premium finance receivables - property and casualty
Pass $ 3,811,117   $ 3,950,911   $ 8,817   $ 366   $ 151   $ —   $ —   $ —   $ 7,771,362  
Special mention 20,458   49,969   66   —   —   —   —   —   70,493  
Substandard accrual 556   14,028   —   —   1   —   —   —   14,585  
Substandard nonaccrual/doubtful 276   32,607   1,007   —   1   —   —   —   33,891  
Total premium finance receivables - property and casualty $ 3,832,407   $ 4,047,515   $ 9,890   $ 366   $ 153   $ —   $ —   $ —   $ 7,890,331  
Premium finance receivables - life (1)

Pass $ 69,468   $ 650,710   $ 817,111   $ 579,801   $ 781,930   $ 6,294,282   $ —   $ —   $ 9,193,302  
Special mention —   —   —   —   —   —   —   —  
Substandard accrual —   —   —   —   3,080   —   —   —   3,080  
Substandard nonaccrual/doubtful —   —   —   —   —   —   —   —   —  
Total premium finance receivables - life $ 69,468   $ 650,710   $ 817,111   $ 579,801   $ 785,010   $ 6,294,282   $ —   $ —   $ 9,196,382  
Consumer and other
Pass $ 1,309   $ 4,898   $ 1,718   $ 1,459   $ 185   $ 27,834   $ 84,843   $ —   $ 122,246  
Special mention —   108   6   31   80   107   12   —   344  
Substandard accrual —   14   1   5   —   10   6   —   36  
Substandard nonaccrual/doubtful —   9   7   —   —   —   —   —   16  
Total consumer and other $ 1,309   $ 5,029   $ 1,732   $ 1,495   $ 265   $ 27,951   $ 84,861   $ —   $ 122,642  
Total loans
Early buy-out loans guaranteed by U.S. government agencies $ —   $ 397   $ 9,574   $ 9,245   $ 8,645   $ 117,364   $ —   $ —   $ 145,225  
Pass 5,949,335   11,793,274   5,937,652   3,958,626   4,667,417   13,402,447   6,618,570   6,939   52,334,260  
Special mention 123,255   91,450   19,425   198,432   193,251   137,068   194,097   1,918   958,896  
Substandard accrual 594   27,762   59,420   81,553   99,488   129,236   67,480   462   465,995  
Substandard nonaccrual/doubtful 975   40,761   14,254   22,954   34,143   53,686   93   50   166,916  
Total loans $ 6,074,159   $ 11,953,644   $ 6,040,325   $ 4,270,810   $ 5,002,944   $ 13,839,801   $ 6,880,240   $ 9,369   $ 54,071,292  
Gross write offs

Three months ended March 31, 2026 $ 210   $ 8,273   $ 2,053   $ 3,126   $ 4,163   $ 5,824   $ —   $ —   $ 23,649  

(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 March 31, 2026 Year of Origination Total
(In thousands) 2026 2025 2024 2023 2022 Prior Balance
Amortized Cost Balances:
U.S. government agencies
1-4 internal grade $ —   $ —   $ —   $ —   $ 135,000   $ 178,541   $ 313,541  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total U.S. government agencies $ —   $ —   $ —   $ —   $ 135,000   $ 178,541   $ 313,541  
Municipal
1-4 internal grade $ —   $ —   $ —   $ 4,092   $ 1,025   $ 132,113   $ 137,230  
5-7 internal grade —   —   —   —   —   1,887   1,887  
8-10 internal grade —   —   —   —   —   —   —  
Total municipal $ —   $ —   $ —   $ 4,092   $ 1,025   $ 134,000   $ 139,117  
Mortgage-backed securities
1-4 internal grade $ —   $ —   $ —   $ 252,587   $ 465,970   $ 2,070,216   $ 2,788,773  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total mortgage-backed securities $ —   $ —   $ —   $ 252,587   $ 465,970   $ 2,070,216   $ 2,788,773  
Corporate notes
1-4 internal grade $ —   $ —   $ —   $ 4,974   $ 24,059   $ 29,033  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total corporate notes $ —   $ —   $ —   $ —   $ 4,974   $ 24,059   $ 29,033  
Total held-to-maturity securities $ 3,270,464  
Less: Allowance for credit losses ( 257 )
Held-to-maturity securities, net of allowance for credit losses $ 3,270,207  

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.

March 31, December 31, March 31,
(In thousands) 2026 2025 2025

Allowance for loan losses $ 390,651   $ 379,283   $ 378,207  
Allowance for unfunded lending-related commitments losses 80,683   80,922   69,734  
Allowance for loan losses and unfunded lending-related commitments losses 471,334   460,205   447,941  
Allowance for held-to-maturity securities losses 257   260   446  
Allowance for credit losses $ 471,591   $ 460,465   $ 448,387  

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 for potential adjustments 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 March 31, 2026, excluding loans carried at fair value, substandard nonaccrual loans totaling $ 64.7 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 months ended March 31, 2026 and March 31, 2025 is as follows:

Three months ended March 31, 2026 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 $ 178,545   $ 246,933   $ 10,402   $ 12,519   $ 11,011   $ 795   $ 460,205  

Other adjustments —   —   —   —   ( 50 ) —   ( 50 )
Charge-offs ( 8,428 ) ( 7,260 ) —   ( 350 ) ( 7,431 ) ( 180 ) ( 23,649 )
Recoveries 1,419   6   303   1   3,437   65   5,231  
Provision for credit losses 39,423   ( 14,809 ) ( 492 ) 911   4,424   140   29,597  

Allowance for credit losses at period end $ 210,959   $ 224,870   $ 10,213   $ 13,081   $ 11,391   $ 820   $ 471,334  
By measurement method:
Individually measured $ 29,193   $ 2,165   $ —   $ 211   $ —   $ 16   $ 31,585  
Collectively measured 181,766   222,705   10,213   12,870   11,391   804   439,749  

Loans at period end
Individually measured $ 87,750   $ 16,757   $ 1,142   $ 27,272   $ —   $ 16   $ 132,937  
Collectively measured 17,675,471   14,145,529   470,122   4,287,424   17,086,713   122,626   53,787,885  

Loans held at fair value —   —   —   150,470   —   —   150,470  

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Three months ended March 31, 2025 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 $ 175,837   $ 222,856   $ 8,943   $ 10,335   $ 17,820   $ 812   $ 436,603  

Other adjustments —   —   —   —   4   —   4  

Charge-offs ( 9,722 ) ( 454 ) —   —   ( 7,126 ) ( 147 ) ( 17,449 )
Recoveries 929   12   216   136   3,487   29   4,809  
Provision for credit losses 34,139   ( 12,404 ) ( 20 ) 181   1,854   224   23,974  

Allowance for credit losses at period end $ 201,183   $ 210,010   $ 9,139   $ 10,652   $ 16,039   $ 918   $ 447,941  
By measurement method:
Individually measured $ 25,278   $ 6,772   $ 85   $ 43   $ —   $ 14   $ 32,192  
Collectively measured 175,905   203,238   9,054   10,609   16,039   904   415,749  

Loans at period end
Individually measured $ 70,560   $ 26,187   $ 2,070   $ 22,434   $ —   $ 18   $ 121,269  
Collectively measured 15,860,766   12,888,714   453,613   3,536,204   15,605,002   116,301   48,460,600  

Loans held at fair value —   —   —   126,521   —   —   126,521  

For the three months ended March 31, 2026 and March 31, 2025, the Company recognized approximately $ 29.6 million and $ 24.0 million of provision for credit losses, respectively, related to loans and lending agreements. The provision for each period was primarily the result of losses experienced in the Commercial and Premium Finance Receivables portfolios along with growth across various segments, which was offset by improved macroeconomic forecasts related to CRE Price Index. Net charge-offs in the three month periods ended March 31, 2026 and March 31, 2025, totaled $ 18.4 million and $ 12.6 million, respectively.

Held-to-maturity debt securities

The allowance for credit losses on the Company’s held-to-maturity debt securities is presented as a reduction to the amortized cost basis of held-to-maturity securities on the Company's Consolidated Statements of Condition. For the three month periods ended March 31, 2026 and March 31, 2025, the Company recognized approximately $( 3,000 ) and $( 11,000 ), respectively, of provision for credit losses related to held-to-maturity securities. At March 31, 2026 and March 31, 2025, the Company did not identify any held-to-maturity debt securities within its portfolio that would require a charge-off.

Loan Modifications to Borrowers Experiencing Financial Difficulties

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 determined by evaluating a number of factors, including a borrower’s financial strength, cash flow coverage, collateral protection and guarantees. The Company’s credit risk rating scale is one through ten with higher scores indicating higher risk. In the case of loans rated six or worse following modification, the Company’s Managed Assets Division evaluates the loan and the credit risk rating and determines that the loan has been restructured to be reasonably assured of repayment and of performance according to the modified terms and is supported by a current, well-documented credit assessment of the borrower’s financial condition and prospects for repayment under the revised terms. Based on the Company’s credit risk rating system, it considers that borrowers whose credit risk rating is 5 or better are not experiencing financial difficulties.

Restructurings may arise when, due to financial difficulties experienced by the borrower, the Company obtains through physical possession one or more collateral assets in satisfaction of all or part of an existing credit. Once possession is obtained, the Company reclassifies the appropriate portion of the remaining balance of the credit from loans to other real estate owned (“OREO”), which is included within other assets in the Consolidated Statements of Condition. For any residential real estate property collateralizing a consumer mortgage loan, the Company is considered to possess the related collateral only if legal title is obtained upon completion of foreclosure, or the borrower conveys all interest in the residential real estate property to the Company through completion of a deed in lieu of foreclosure or similar legal agreement. At March 31, 2026, the Company had no foreclosed residential real estate properties included within OREO. Further, the recorded investment in residential mortgage loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $ 65.3 million and $ 65.1 million at March 31, 2026 and 2025, respectively.

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The tables below present a summary of the period-end balance of loans to borrowers experiencing financial difficulties during the three and three months ended March 31, 2026 and 2025:

Three Months Ended
March 31, 2026
(Dollars in thousands)
Total Percentage of Total Class of Loan Extension of Term Reduction of 
Interest
Rate Interest Only
Payments Delay in Contractual Payments Extension of Term and Reduction of Interest Rate

Commercial $ 20,642 0.3   % $ 5,687   $ 38   $ —   $ 14,897   $ 20  

Commercial real estate
Construction and development 594 0.0   594   —   —   —   —  
Non-construction 13,178 0.1   13,178   —   —   —   —  

Premium finance receivables—property & casualty 12 0.0   12   —   —   —   —  
Total loans $ 34,426 0.1   % $ 19,471   $ 38   $ —   $ 14,897   $ 20  

Weighted Average Magnitude of Modifications:
 Three Months Ended March 31, 2026
 (Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 20,642   28 267   37

Commercial real estate
Construction and development 594   11 —   —  
Non-construction 13,178   3 —   —  

Premium finance receivables—property & casualty 12   1 —   —  
Total loans $ 34,426   18 267   37

Three Months Ended
March 31, 2025
(Dollars in thousands)
Total Percentage of Total Class of Loan Extension of
Term Reduction of 
Interest
Rate Interest Only Payments Delay in Contractual Payments Extension of
Term and
Reduction of Interest Rate

Commercial $ 18,948 0.3   % $ 18,624   $ —   $ 32   $ —   $ 292  

Residential real estate 873 0.0   163   —   —   —   710  

Total loans $ 19,821 0.0   % $ 18,787   $ —   $ 32   $ —   $ 1,002  

Weighted Average Magnitude of Modifications:
Three Months Ended March 31, 2025
(Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 18,948   7 25   — 

Residential real estate 873   48 162   —

Total loans $ 19,821   8 131   — 

The Company had commitments of $ 31.2 million and $ 15.6 million as of March 31, 2026 and March 31, 2025, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans in the form of principal forgiveness, an interest rate reduction, an other-than insignificant payment delay or a term extension during the periods presented.

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The following table presents a summary of all modified loans for borrowers experiencing financial difficulties and such loans that were in payment default under the restructured terms during the respective periods below:

(Dollars in thousands) For the Twelve Months Ended March 31, 2026
Three Months Ended
March 31, 2026
For the Twelve Months Ended March 31, 2025
Three Months Ended
March 31, 2025

Total Payments in Default   (1)
Total Payments in 
Default   (1)

Commercial $ 45,738   $ 589   $ 29,487   $ 117  
Commercial real estate
Construction and development 594   594   701   —  
Non-construction 24,462   13,178   379   —  
Home equity 117   —   —   —  
Residential real estate 1,156   —   874   710  

Premium finance receivables—property & casualty 12   12   676   —  
Total loans $ 72,079   $ 14,373   $ 32,117   $ 827  

(1) Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring.

(8) Goodwill and Other Acquisition-Related Intangible Assets

A summary of the Company’s goodwill assets by reporting unit is presented in the following table:

(In thousands) December 31, 2025 Goodwill
Acquired Impairment
Loss Foreign Currency Adjustments March 31,
2026
Community banking $ 687,754   $ —   $ —   $ —   $ 687,754  
Specialty finance 38,211   —   —   ( 302 ) 37,909  
Wealth management 71,995   —   —   —   71,995  
    Total $ 797,960   $ —   $ —   $ ( 302 ) $ 797,658  

The Company assesses each reporting unit’s goodwill for impairment on at least an annual basis and considers potential indicators of impairment at each reporting date between annual goodwill impairment tests. At October 1, 2025, the Company utilized a qualitative approach for its annual goodwill impairment tests of the community banking, specialty finance and wealth management reporting units and determined that no impairment existed at that time.

At each reporting date between annual goodwill impairment tests, the Company considers potential indicators of impairment. The Company assessed whether events and circumstances resulted in it being more likely than not that the fair value of any reporting unit was less than its carrying value. Potential impairment indicators considered include the condition of the economy and banking industry; government intervention and regulatory updates; the impact of recent events to financial performance and cost factors of the reporting units; performance of the Company’s stock and other relevant events.

At the conclusion of this assessment of all reporting units, the Company determined that as of March 31, 2026, it was more likely than not that the fair value of all reporting units exceeded the respective carrying value of such reporting unit.

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A summary of acquisition-related intangible assets as of the dates shown and the expected amortization of finite-lived acquisition-related intangible assets as of March 31, 2026 is as follows:

(In thousands) March 31,
2026 December 31,
2025 March 31,
2025
Community banking segment:
Core deposit intangibles with finite lives:
Gross carrying amount $ 158,106   $ 158,106   $ 158,106  
Accumulated amortization ( 81,501 ) ( 76,861 ) ( 62,044 )
    Net carrying amount $ 76,605   $ 81,245   $ 96,062  
Trademark with indefinite lives:
Carrying amount 11,500   11,500   13,800  
Total net carrying amount $ 88,105   $ 92,745   $ 109,862  
Specialty finance segment:
Customer list intangibles with finite lives:
Gross carrying amount $ 1,960   $ 1,961   $ 1,959  
Accumulated amortization ( 1,941 ) ( 1,932 ) ( 1,901 )
    Net carrying amount $ 19   $ 29   $ 58  
Wealth management segment:
Customer list and other intangibles with finite lives:
Gross carrying amount $ 26,630   $ 26,630   $ 26,630  
Accumulated amortization ( 21,714 ) ( 21,405 ) ( 20,478 )
    Net carrying amount $ 4,916   $ 5,225   $ 6,152  
Total acquisition-related intangible assets:
Gross carrying amount $ 198,196   $ 198,197   $ 200,495  
Accumulated amortization ( 105,156 ) ( 100,198 ) ( 84,423 )
Total other acquisition-related intangible assets, net $ 93,040   $ 97,999   $ 116,072  

Estimated amortization
Actual in three months ended March 31, 2026 $ 4,958  
Estimated remaining in 2026
13,861  
Estimated—2027
16,340  
Estimated—2028
13,908  
Estimated—2029
11,536  
Estimated—2030
9,461  

The core deposit intangibles recognized in connection with the Company’s bank acquisitions are amortized over a ten-year period on an accelerated basis. The customer list intangibles recognized in connection with the purchase of life insurance premium finance assets in 2009 are being amortized over an 18-year period on an accelerated basis. The customer list and other intangibles recognized in connection with prior acquisitions within the wealth management segment are being amortized over a period of up to ten years on a straight-line or accelerated basis. Indefinite-lived intangible assets consist of certain trade and domain names recognized in connection with prior acquisitions. As indefinite-lived intangible assets are not amortized, the Company assesses impairment on at least an annual basis. Total amortization expense associated with finite-lived acquisition-related intangibles totaled approximately $ 5.0 million and $ 5.6 million for the three months ended March 31, 2026 and 2025, respectively.

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(9) Mortgage Servicing Rights (“MSRs”)

The following is a summary of the changes in the carrying value of MSRs, accounted for at fair value, for the periods indicated:

Three Months Ended
March 31, March 31,
(In thousands) 2026 2025
Fair value at beginning of the period $ 195,023   $ 203,788  
Additions from loans sold with servicing retained 6,434   4,669  

Estimate of changes in fair value due to:

Payoffs, paydowns and repurchases ( 6,641 ) ( 4,636 )
Changes in valuation inputs or assumptions 460   ( 7,514 )
Fair value at end of the period $ 195,276   $ 196,307  
Unpaid principal balance of mortgage loans serviced for others $ 12,534,513   $ 12,402,352  

The Company recognizes MSR assets upon the sale of residential real estate loans to external third parties when it retains the obligation to service the loans and the servicing fee is more than adequate compensation. MSRs are included in other assets in the Consolidated Statements of Condition. The initial recognition of MSR assets from loans sold with servicing retained and subsequent changes in fair value of all MSRs are recognized in mortgage banking revenue . MSRs are subject to changes in value from actual and expected prepayment of the underlying loans.

The estimation of fair value related to MSRs is partly impacted by the Company exercising its early buyout options (“EBO”) on eligible loans previously sold to the Government National Mortgage Association (“GNMA”). Under such optional repurchase program, financial institutions acting as servicers are allowed to buy back from the securitized loan pool individual delinquent mortgage loans meeting certain criteria for which the institution was the original transferor of such loans. At the option of the servicer and without prior authorization from GNMA, the servicer may repurchase such delinquent loans for an amount equal to the remaining principal balance of the loan. At the time of such repurchase, any MSR value related to such loans is derecognized.

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.

Periodically, the Company will purchase options for the right to purchase securities not currently held within the banks’ investment portfolios or enter into interest rate swaps in which the Company elects not to designate such derivatives as hedging instruments. These option and swap transactions are designed primarily to economically hedge a portion of the fair value adjustments related to the Company’s MSRs. The gain or loss associated with these derivative contracts is included in mortgage banking revenue. For more information regarding these hedges outstanding as of March 31, 2026 and March 31, 2025, see Note (14) “Derivative Financial Instruments” in Item 1 of this report.

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(10) Deposits

The following table is a summary of deposits as of the dates shown:  

(Dollars in thousands) March 31,
2026 December 31,
2025 March 31,
2025
Balance:
Non-interest-bearing $ 12,112,891   $ 11,423,701   $ 11,201,859  
NOW and interest-bearing demand deposits 5,987,258   6,233,753   6,340,168  
Wealth management deposits 1,670,620   1,907,647   1,408,790  
Money market 21,714,267   21,368,924   18,074,733  
Savings 6,942,565   6,905,216   6,576,251  
Time certificates of deposit 10,486,781   9,877,950   9,968,237  
Total deposits $ 58,914,382   $ 57,717,191   $ 53,570,038  
Mix:
Non-interest-bearing 20   % 20   % 21   %
NOW and interest-bearing demand deposits 10   11   12  
Wealth management deposits 3   3   3  
Money market 37   37   34  
Savings 12   12   12  
Time certificates of deposit 18   17   18  
Total deposits 100   % 100   % 100   %

Wealth management deposits represent deposit balances (primarily money market accounts) at the Company’s subsidiary banks from brokerage customers of Wintrust Investments, LLC (“Wintrust Investments”), Chicago Deferred Exchange Company (“CDEC”) and trust and asset management customers of the Company.

(11) FHLB Advances, Other Borrowings and Subordinated Notes

The following table is a summary of FHLB advances, other borrowings and subordinated notes as of the dates shown:

(In thousands) March 31,
2026 December 31,
2025 March 31,
2025
FHLB advances $ 3,451,309   $ 3,451,309   $ 3,151,309  
Other borrowings:
Notes payable —   —   135,632  

Secured borrowings 340,647   422,107   337,065  
Other —   55,859   56,572  
Total other borrowings 340,647   477,966   529,269  
Subordinated notes 298,717   298,636   298,360  
Total FHLB advances, other borrowings and subordinated notes $ 4,090,673   $ 4,227,911   $ 3,978,938  

Descriptions of the Company’s FHLB advances, other borrowings, and subordinated notes are included in Note (11) “Federal Home Loan Bank Advances” Note (12) “Subordinated Notes” and Note (13) “Other Borrowings” of the 2025 Form 10-K.

Notes Payable
Notes payable balances represent the balances on the Company’s credit agreement with certain unaffiliated banks. The term loan facility was paid in full in December 2025. At March 31, 2026, there was no outstanding principal balance under the revolving credit facility. Borrowings under notes payable are secured by pledges of and first priority perfected security interests in the Company’s equity interest in its bank subsidiaries and contain several restrictive covenants, including the maintenance of various capital adequacy levels, asset quality and profitability ratios, and certain restrictions on dividends and other indebtedness. At March 31, 2026, the Company was in compliance with all such covenants.
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Secured Borrowings

The balance of secured borrowings primarily represents a third party Canadian transaction (“Canadian Secured Borrowing”). Under the Canadian Secured Borrowing, the Company, through its subsidiary, First Insurance Funding of Canada (“FIFC Canada”), sells an undivided co-ownership interest in all receivables owed to FIFC Canada to an unrelated third party in exchange for cash payments pursuant to a receivables purchase agreement (“Receivables Purchase Agreement”). On December 15, 2025, the Company entered into the Thirteenth Amending Agreement to the Receivables Purchase Agreement dated as of December 16, 2014. The amended Receivables Purchase Agreement provides for, among other things, an extension of the maturity date to December 15, 2026 and a decrease to the facility limit from C$ 650  million to C$ 580  million.

At March 31, 2026, the translated balance of the secured borrowings totaled $ 327.0 million compared to $ 408.0 million at December 31, 2025 and $ 319.6 million at March 31, 2025. The interest rate under the Receivables Purchase Agreement is the Canadian Commercial Paper Rate plus fee rate of 0.775 %.

The remaining $ 13.7 million, $ 14.1  million and $ 17.5 million within secured borrowings at March 31, 2026, December 31, 2025 and March 31, 2025, respectively, represent other sold interests in certain loans by the Company that were not considered sales and, as such, related proceeds received are reflected on the Company’s Consolidated Statements of Condition as a secured borrowing owed to the various unrelated third parties.

Other Borrowings

Other borrowings represented a promissory note (“Promissory Note”) issued by the Company in June 2017. The Promissory Note was paid in full in March 2026.

Subordinated Notes

At March 31, 2026, the Company had outstanding subordinated notes totaling $ 298.7  million compared to $ 298.6  million and $ 298.4  million at December 31, 2025 and March 31, 2025, respectively. The notes issued in 2019 have a stated interest rate of 4.85 % and mature in June 2029.

(12) Junior Subordinated Debentures

The junior subordinated debentures totaled $ 253.6 million at March 31, 2026, December 31, 2025 and March 31, 2025. At March 31, 2026, the weighted average contractual interest rate on the junior subordinated debentures was 6.14 %. Descriptions of the Company’s Junior Subordinated Debentures are included in Note (14) “Junior Subordinated Debentures” in the 2025 Form 10-K.

(13) Segment Information

The Company’s operations consist of three primary segments: community banking, specialty finance and wealth management.

The three reportable segments are strategic business units that are separately managed as they offer different products and services and have different marketing strategies. In addition, each segment’s customer base has varying characteristics and each segment has a different regulatory environment. While the Company’s management monitors each of the sixteen bank subsidiaries’ operations and profitability separately, these subsidiaries have been aggregated into one reportable operating segment due to the similarities in products and services, customer base, operations, profitability measures, and economic characteristics.

For purposes of internal segment profitability, management allocates certain intersegment and parent company balances. Management allocates a portion of revenues to the specialty finance segment related to loans and leases originated by the specialty finance segment and sold or assigned to the community banking segment. Similarly, for purposes of analyzing the contribution from the wealth management segment, management allocates a portion of the net interest income earned by the community banking segment on deposit balances of customers of the wealth management segment to the wealth management segment. See Note (10) “Deposits” in Item 1 of this report for more information on these deposits. Finally, expenses incurred at the Wintrust parent company are allocated to each segment based on each segment’s risk-weighted assets.

The segment financial information provided in the following table has been derived from the internal profitability reporting system used by management to monitor and manage the financial performance of the Company. The accounting policies of the
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segments are substantially similar to those described in Note (1) “Summary of Significant Accounting Policies” in the 2025 Form 10-K.

Our Chief Executive Officer is our chief operating decision maker (“CODM”). The CODM uses income before taxes to review segment performance and allocate resources for each reportable segment. Financial information regarding each significant segment expense outlined below is regularly provided (at least monthly) to the CODM. For community banking and specialty finance segments, ‘Interest expense’ is a significant segment expense. Additionally, for each of the three reportable segments, ‘Salaries’, ‘Commissions and incentive compensation’ and ‘Benefits’ are significant segment expenses.
The following is a summary of certain operating information for reportable segments:

(In thousands)
Community
Banking Specialty
Finance Wealth
Management Total Operating Segments Intersegment Eliminations Consolidated
Three Months Ended March 31, 2026:
Interest income $ 781,502   $ 124,576   $ 10,482   $ 916,560   $ 11,000   $ 927,560  
Interest expense 330,904   17,493   139   348,536   —   348,536  
Net interest income 450,598   107,083   10,343   568,024   11,000   579,024  
Provision for credit losses 27,281   2,313   —   29,594   —   29,594  
Non-interest income 77,882   35,733   43,275   156,890   ( 22,748 ) 134,142  
Non-interest expense:
Salaries 101,576   18,023   8,973   128,572   514   129,086  
Commissions and incentive compensation 33,128   9,862   14,417   57,407   —   57,407  
Benefits 32,243   6,640   3,071   41,954   —   41,954  
Other segment expenses (1)
132,607   24,682   9,158   166,447   ( 12,262 ) 154,185  
Total non-interest expense 299,554   59,207   35,619   394,380   ( 11,748 ) 382,632  
Income before taxes 201,645   81,296   17,999   300,940   —   300,940  
Income tax expense 51,114   18,203   4,235   73,552   —   73,552  
Net income $ 150,531   $ 63,093   $ 13,764   $ 227,388   $ —   $ 227,388  
Total assets at period end $ 57,233,526   $ 13,533,665   $ 1,390,242   $ 72,157,433   $ —   $ 72,157,433  
Three Months Ended March 31, 2025:
Interest income $ 768,968   $ 101,698   $ 5,531   $ 876,197   $ 10,768   $ 886,965  
Interest expense 349,957   10,391   143   360,491   —   360,491  
Net interest income 419,011   91,307   5,388   515,706   10,768   526,474  
Provision for credit losses 22,428   1,535   —   23,963   —   23,963  
Non-interest income 73,493   31,039   33,790   138,322   ( 21,688 ) 116,634  
Non-interest expense:
Salaries 98,586   15,762   9,104   123,452   465   123,917  
Commissions and incentive compensation 32,137   9,041   11,358   52,536   —   52,536  
Benefits 27,374   4,718   2,981   35,073   —   35,073  
Other segment expenses (1)
132,490   23,445   10,014   165,949   ( 11,385 ) 154,564  
Total non-interest expense 290,587   52,966   33,457   377,010   ( 10,920 ) 366,090  
Income before taxes 179,489   67,845   5,721   253,055   —   253,055  
Income tax expense 45,219   17,552   1,245   64,016   —   64,016  
Net income $ 134,270   $ 50,293   $ 4,476   $ 189,039   $ —   $ 189,039  
Total assets at period end $ 53,531,046   $ 11,312,205   $ 1,026,815   $ 65,870,066   $ —   $ 65,870,066  

(1) Other segment items include non-interest expense categories such as ‘Software & Equipment’, ‘Data processing’, ‘Advertising and Marketing’, ‘FDIC Insurance’, and ‘Occupancy’. See “Non-Interest Expense” under Management’s Discussion and Analysis of Financial Condition and Results of Operations in Item 2 of this Form 10-Q for further discussion on non-interest expense.

(14) Derivative Financial Instruments

The Company primarily enters into derivative financial instruments as part of its strategy to manage its exposure to changes in interest rates. Derivative instruments represent contracts between parties that result in one party delivering cash to the other party based on a notional amount and an underlying term (such as a rate, security price or price index or commodity price) as
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specified in the contract. The amount of cash delivered from one party to the other is determined based on the interaction of the notional amount of the contract with the underlying term. Derivatives are also implicit in certain contracts and commitments.

The derivative financial instruments currently used by the Company to manage its exposure to interest rate risk include: (1) interest rate swaps, collars and floors to manage the interest rate risk of certain fixed and variable rate assets and variable rate liabilities; (2) interest rate lock commitments provided to customers to fund certain mortgage loans to be sold into the secondary market; (3) forward commitments for the future delivery of such mortgage loans to protect the Company from adverse changes in interest rates and corresponding changes in the value of mortgage loans held-for-sale; (4) covered call options to economically hedge specific investment securities and receive fee income, effectively enhancing the overall yield on such securities to compensate for potential net interest margin compression; and (5) options and swaps to economically hedge a portion of the fair value adjustments related to the Company’s mortgage servicing rights portfolio. The Company also enters into derivatives (typically interest rate swaps and commodity forward contracts) with certain qualified borrowers to facilitate the borrowers’ risk management strategies and concurrently enters into mirror-image derivatives with a third party counterparty, effectively making a market in the derivatives for such borrowers. Additionally, the Company enters into foreign currency contracts to manage foreign exchange risk associated with certain foreign currency denominated assets.

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 in shareholders’ equity as a component of accumulated other comprehensive income or loss depending on whether the derivative financial instrument qualifies for hedge accounting and, if so, whether it qualifies as a fair value hedge or cash flow hedge.

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 earnings. Changes in fair values of derivative financial instruments not designated in a hedging relationship pursuant to ASC 815 are reported in non-interest income during the period of the change. Derivative financial instruments are valued by a third party and are corroborated by comparison with valuations provided by the respective counterparties. Fair values of certain mortgage banking derivatives (interest rate lock commitments and forward commitments to sell mortgage loans) are estimated based on changes in mortgage interest rates from the date of the loan commitment. The fair value of foreign currency derivatives is computed based on changes in foreign currency rates stated in the contract compared to those prevailing at the measurement date. Commodity derivative fair values are computed based on changes in the price per unit stated in the contract compared to those prevailing at the measurement date.

The table below presents the fair value of the Company’s derivative financial instruments as of March 31, 2026, December 31, 2025 and March 31, 2025:

Derivative Assets Derivative Liabilities
(In thousands) March 31,
2026 December 31,
2025 March 31,
2025 March 31,
2026 December 31,
2025 March 31,
2025
Derivatives designated as hedging instruments under ASC 815:
Interest rate derivatives designated as Cash Flow Hedges $ 36,259   $ 53,622   $ 36,280   $ 12,128   $ 3,363   $ 23,637  
Interest rate derivatives designated as Fair Value Hedges 5,325   5,350   8,024   302   496   367  
Total derivatives designated as hedging instruments under ASC 815 $ 41,584   $ 58,972   $ 44,304   $ 12,430   $ 3,859   $ 24,004  
Derivatives not designated as hedging instruments under ASC 815:
Interest rate derivatives $ 100,389   $ 116,562   $ 152,392   $ 102,074   $ 116,745   $ 152,584  
Interest rate lock commitments 4,525   3,416   5,493   1,060   —   —  
Forward commitments to sell mortgage loans 3,741   104   7   951   2,729   2,676  
Commodity forward contracts 2,273   448   300   2,129   288   187  
Foreign exchange contracts 339   165   1,761   293   153   1,747  
Total derivatives not designated as hedging instruments under ASC 815 $ 111,267   $ 120,695   $ 159,953   $ 106,507   $ 119,915   $ 157,194  
Total Derivatives $ 152,851   $ 179,667   $ 204,257   $ 118,937   $ 123,774   $ 181,198  

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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 the life of the agreements without the exchange of the underlying notional amount. Interest rate collars designated as cash flow hedges involve the settlement of amounts in which the interest rate specified in the contract exceeds the agreed upon cap strike rate or in which the interest rate specified in the contract is below the agreed upon floor strike rate at the end of each period. 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.