10-Q – 2026-08-05 – wtfc-20260630.htm

wtfc-20260630 0001015328 12/31 2026 Q2 false http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 http://www.wintrust.com/20260630#RevenuesMortgageBanking http://www.wintrust.com/20260630#RevenuesMortgageBanking xbrli:shares iso4217:USD iso4217:USD xbrli:shares wtfc:security xbrli:pure iso4217:CAD wtfc:segment wtfc:subsidiary wtfc:derivativeInstrument wtfc:year 0001015328 2026-01-01 2026-06-30 0001015328 us-gaap:CommonStockMember 2026-01-01 2026-06-30 0001015328 wtfc:DepositarySharesSeriesFPreferredStockMember 2026-01-01 2026-06-30 0001015328 2026-07-31 0001015328 2026-06-30 0001015328 2025-12-31 0001015328 2025-06-30 0001015328 us-gaap:LoansAndFinanceReceivablesMember 2026-06-30 0001015328 us-gaap:LoansAndFinanceReceivablesMember 2025-12-31 0001015328 us-gaap:LoansAndFinanceReceivablesMember 2025-06-30 0001015328 us-gaap:SeriesDPreferredStockMember 2025-12-31 0001015328 us-gaap:SeriesDPreferredStockMember 2026-06-30 0001015328 us-gaap:SeriesDPreferredStockMember 2025-06-30 0001015328 us-gaap:SeriesEPreferredStockMember 2025-12-31 0001015328 us-gaap:SeriesEPreferredStockMember 2026-06-30 0001015328 us-gaap:SeriesEPreferredStockMember 2025-06-30 0001015328 us-gaap:SeriesFPreferredStockMember 2026-06-30 0001015328 us-gaap:SeriesFPreferredStockMember 2025-12-31 0001015328 us-gaap:SeriesFPreferredStockMember 2025-06-30 0001015328 2026-04-01 2026-06-30 0001015328 2025-04-01 2025-06-30 0001015328 2025-01-01 2025-06-30 0001015328 us-gaap:PreferredStockMember 2025-03-31 0001015328 us-gaap:CommonStockMember 2025-03-31 0001015328 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0001015328 us-gaap:TreasuryStockCommonMember 2025-03-31 0001015328 us-gaap:RetainedEarningsMember 2025-03-31 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0001015328 2025-03-31 0001015328 us-gaap:RetainedEarningsMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0001015328 us-gaap:SeriesDPreferredStockMember 2025-04-01 2025-06-30 0001015328 us-gaap:SeriesEPreferredStockMember 2025-04-01 2025-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2025-04-01 2025-06-30 0001015328 us-gaap:PreferredStockMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommonStockMember 2025-04-01 2025-06-30 0001015328 us-gaap:PreferredStockMember 2025-06-30 0001015328 us-gaap:CommonStockMember 2025-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2025-06-30 0001015328 us-gaap:TreasuryStockCommonMember 2025-06-30 0001015328 us-gaap:RetainedEarningsMember 2025-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0001015328 us-gaap:PreferredStockMember 2024-12-31 0001015328 us-gaap:CommonStockMember 2024-12-31 0001015328 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0001015328 us-gaap:TreasuryStockCommonMember 2024-12-31 0001015328 us-gaap:RetainedEarningsMember 2024-12-31 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0001015328 2024-12-31 0001015328 us-gaap:RetainedEarningsMember 2025-01-01 2025-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0001015328 us-gaap:SeriesDPreferredStockMember 2025-01-01 2025-06-30 0001015328 us-gaap:SeriesEPreferredStockMember 2025-01-01 2025-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-06-30 0001015328 us-gaap:PreferredStockMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommonStockMember 2025-01-01 2025-06-30 0001015328 us-gaap:TreasuryStockCommonMember 2025-01-01 2025-06-30 0001015328 us-gaap:PreferredStockMember 2026-03-31 0001015328 us-gaap:CommonStockMember 2026-03-31 0001015328 us-gaap:AdditionalPaidInCapitalMember 2026-03-31 0001015328 us-gaap:TreasuryStockCommonMember 2026-03-31 0001015328 us-gaap:RetainedEarningsMember 2026-03-31 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-03-31 0001015328 2026-03-31 0001015328 us-gaap:RetainedEarningsMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0001015328 us-gaap:SeriesFPreferredStockMember 2026-04-01 2026-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommonStockMember 2026-04-01 2026-06-30 0001015328 us-gaap:TreasuryStockCommonMember 2026-04-01 2026-06-30 0001015328 us-gaap:PreferredStockMember 2026-06-30 0001015328 us-gaap:CommonStockMember 2026-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2026-06-30 0001015328 us-gaap:TreasuryStockCommonMember 2026-06-30 0001015328 us-gaap:RetainedEarningsMember 2026-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-06-30 0001015328 us-gaap:PreferredStockMember 2025-12-31 0001015328 us-gaap:CommonStockMember 2025-12-31 0001015328 us-gaap:AdditionalPaidInCapitalMember 2025-12-31 0001015328 us-gaap:TreasuryStockCommonMember 2025-12-31 0001015328 us-gaap:RetainedEarningsMember 2025-12-31 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0001015328 us-gaap:RetainedEarningsMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0001015328 us-gaap:SeriesFPreferredStockMember 2026-01-01 2026-06-30 0001015328 us-gaap:AdditionalPaidInCapitalMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommonStockMember 2026-01-01 2026-06-30 0001015328 us-gaap:TreasuryStockCommonMember 2026-01-01 2026-06-30 0001015328 wtfc:MacatawaBankCorporationMember wtfc:MacatawaBankCorporationMember 2024-08-01 0001015328 wtfc:MacatawaBankCorporationMember 2024-08-01 2024-08-01 0001015328 wtfc:MacatawaBankCorporationMember 2024-08-01 0001015328 wtfc:MacatawaBankCorporationMember 2024-08-01 0001015328 us-gaap:USTreasurySecuritiesMember 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2026-06-30 0001015328 us-gaap:MunicipalBondsMember 2026-06-30 0001015328 wtfc:CorporateFinancialDebtSecuritiesMember 2026-06-30 0001015328 wtfc:CorporateOtherDebtSecuritiesMember 2026-06-30 0001015328 us-gaap:ResidentialMortgageBackedSecuritiesMember 2026-06-30 0001015328 us-gaap:CommercialMortgageBackedSecuritiesMember 2026-06-30 0001015328 us-gaap:CollateralizedMortgageObligationsMember 2026-06-30 0001015328 us-gaap:CorporateAndOtherMember 2026-06-30 0001015328 wtfc:MortgageBackedSecuritiesSubprimeMember 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember 2025-12-31 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2025-12-31 0001015328 us-gaap:MunicipalBondsMember 2025-12-31 0001015328 wtfc:CorporateFinancialDebtSecuritiesMember 2025-12-31 0001015328 wtfc:CorporateOtherDebtSecuritiesMember 2025-12-31 0001015328 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-12-31 0001015328 us-gaap:CommercialMortgageBackedSecuritiesMember 2025-12-31 0001015328 us-gaap:CollateralizedMortgageObligationsMember 2025-12-31 0001015328 us-gaap:CorporateAndOtherMember 2025-12-31 0001015328 wtfc:MortgageBackedSecuritiesSubprimeMember 2025-12-31 0001015328 us-gaap:USTreasurySecuritiesMember 2025-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember 2025-06-30 0001015328 us-gaap:MunicipalBondsMember 2025-06-30 0001015328 wtfc:CorporateFinancialDebtSecuritiesMember 2025-06-30 0001015328 wtfc:CorporateOtherDebtSecuritiesMember 2025-06-30 0001015328 us-gaap:ResidentialMortgageBackedSecuritiesMember 2025-06-30 0001015328 us-gaap:CommercialMortgageBackedSecuritiesMember 2025-06-30 0001015328 us-gaap:CollateralizedMortgageObligationsMember 2025-06-30 0001015328 us-gaap:CorporateAndOtherMember 2025-06-30 0001015328 wtfc:MortgageBackedSecuritiesSubprimeMember 2025-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember 2026-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember 2025-12-31 0001015328 us-gaap:AssetBackedSecuritiesMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-12-31 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablesLifeInsuranceMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablesLifeInsuranceMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablesLifeInsuranceMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-06-30 0001015328 us-gaap:ConsumerPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0001015328 us-gaap:ConsumerPortfolioSegmentMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember us-gaap:ConstructionLoansMember 2026-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 wtfc:LifeInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:LifeInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:LifeInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:LifeInsuranceLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:LifeInsuranceLoansMember 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember 2026-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-06-30 0001015328 us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-06-30 0001015328 us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-06-30 0001015328 us-gaap:FinancialAssetNotPastDueMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember us-gaap:ConstructionLoansMember 2025-12-31 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:NonConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:NonConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:NonConstructionLoansMember 2025-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:NonConstructionLoansMember 2025-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-12-31 0001015328 wtfc:LifeInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:LifeInsuranceLoansMember 2025-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2025-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember 2025-12-31 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 wtfc:EarlyBuyOutLoansMember 2025-12-31 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-12-31 0001015328 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-12-31 0001015328 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-12-31 0001015328 us-gaap:FinancialAssetNotPastDueMember 2025-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember us-gaap:ConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember us-gaap:ConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember us-gaap:ConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember us-gaap:ConstructionLoansMember 2025-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:NonConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:NonConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:NonConstructionLoansMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:NonConstructionLoansMember 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember us-gaap:ResidentialPortfolioSegmentMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:ResidentialRealEstateLoansExcludingEarlyBuyOutLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:LifeInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember wtfc:LifeInsuranceLoansMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember wtfc:LifeInsuranceLoansMember 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember 2025-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 wtfc:TotalFinancingReceivablePortfolioSegmentExcludingEarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 wtfc:EarlyBuyOutLoansMember 2025-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-06-30 0001015328 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-06-30 0001015328 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-06-30 0001015328 us-gaap:FinancialAssetNotPastDueMember 2025-06-30 0001015328 us-gaap:PassMember wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember 2026-06-30 0001015328 wtfc:CommercialIndustrialAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:ConstructionAndDevelopmentPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:ConstructionAndDevelopmentPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:ConstructionAndDevelopmentPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:ConstructionAndDevelopmentPortfolioSegmentMember 2026-06-30 0001015328 wtfc:ConstructionAndDevelopmentPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:NonConstructionPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:NonConstructionPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:NonConstructionPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:NonConstructionPortfolioSegmentMember 2026-06-30 0001015328 wtfc:NonConstructionPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:HomeEquityPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:HomeEquityPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:HomeEquityPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:HomeEquityPortfolioSegmentMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PremiumPropertyAndCasualtyInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:PremiumLifeInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:PremiumLifeInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:PremiumLifeInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:PremiumLifeInsurancePortfolioSegmentMember 2026-06-30 0001015328 wtfc:PremiumLifeInsurancePortfolioSegmentMember 2026-06-30 0001015328 us-gaap:PassMember wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:SubstandardMember wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-06-30 0001015328 us-gaap:DoubtfulMember wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-06-30 0001015328 wtfc:EarlyBuyOutLoansMember 2026-06-30 0001015328 us-gaap:PassMember 2026-06-30 0001015328 us-gaap:SpecialMentionMember 2026-06-30 0001015328 us-gaap:SubstandardMember 2026-06-30 0001015328 us-gaap:DoubtfulMember 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember wtfc:InternalInvestmentGrade1To4Member 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember wtfc:InternalInvestmentGrade5To7Member 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember wtfc:InternalInvestmentGrade8To10Member 2026-06-30 0001015328 us-gaap:MunicipalBondsMember wtfc:InternalInvestmentGrade1To4Member 2026-06-30 0001015328 us-gaap:MunicipalBondsMember wtfc:InternalInvestmentGrade5To7Member 2026-06-30 0001015328 us-gaap:MunicipalBondsMember wtfc:InternalInvestmentGrade8To10Member 2026-06-30 0001015328 us-gaap:MortgageBackedSecuritiesMember wtfc:InternalInvestmentGrade1To4Member 2026-06-30 0001015328 us-gaap:MortgageBackedSecuritiesMember wtfc:InternalInvestmentGrade5To7Member 2026-06-30 0001015328 us-gaap:MortgageBackedSecuritiesMember wtfc:InternalInvestmentGrade8To10Member 2026-06-30 0001015328 us-gaap:MortgageBackedSecuritiesMember 2026-06-30 0001015328 us-gaap:CorporateNoteSecuritiesMember wtfc:InternalInvestmentGrade1To4Member 2026-06-30 0001015328 us-gaap:CorporateNoteSecuritiesMember wtfc:InternalInvestmentGrade5To7Member 2026-06-30 0001015328 us-gaap:CorporateNoteSecuritiesMember wtfc:InternalInvestmentGrade8To10Member 2026-06-30 0001015328 us-gaap:CorporateNoteSecuritiesMember 2026-06-30 0001015328 us-gaap:UnfundedLoanCommitmentMember 2026-06-30 0001015328 us-gaap:UnfundedLoanCommitmentMember 2025-12-31 0001015328 us-gaap:UnfundedLoanCommitmentMember 2025-06-30 0001015328 wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember 2026-06-30 0001015328 wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember 2025-12-31 0001015328 wtfc:LoansAndFinanceReceivablesAndUnfundedLoanCommitmentMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2026-03-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2026-03-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-03-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-03-31 0001015328 us-gaap:CommercialPortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-03-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-03-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-03-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-03-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2025-03-31 0001015328 us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2024-12-31 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2024-12-31 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2024-12-31 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2024-12-31 0001015328 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 wtfc:ConsumerAndOtherPortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialRealEstateMember us-gaap:FinanceReceivablesMember 2026-06-30 0001015328 us-gaap:ResidentialRealEstateMember us-gaap:FinanceReceivablesMember 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:NonConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:NonConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:NonConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:NonConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:NonConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-04-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0001015328 us-gaap:ContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 wtfc:InterestOnlyPaymentsMember 2026-04-01 2026-06-30 0001015328 us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0001015328 wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember 2026-06-30 0001015328 wtfc:PaymentDeferralReportedPeriodOneMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-04-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-04-01 2025-06-30 0001015328 us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0001015328 us-gaap:ContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 wtfc:InterestOnlyPaymentsMember 2025-04-01 2025-06-30 0001015328 us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0001015328 wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember us-gaap:ConstructionLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:NonConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:NonConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:NonConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:NonConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:NonConstructionLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-01-01 2026-06-30 0001015328 us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0001015328 us-gaap:ContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 wtfc:InterestOnlyPaymentsMember 2026-01-01 2026-06-30 0001015328 us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0001015328 wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2026-01-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember us-gaap:ConstructionLoansMember 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember 2026-06-30 0001015328 wtfc:PaymentDeferralReportedPeriodTwoMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:InterestOnlyPaymentsMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ExtendedMaturityMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:InterestOnlyPaymentsMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:ExtendedMaturityAndContractualInterestRateReductionMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-01-01 2025-06-30 0001015328 us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0001015328 us-gaap:ContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 wtfc:InterestOnlyPaymentsMember 2025-01-01 2025-06-30 0001015328 us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0001015328 wtfc:ExtendedMaturityAndContractualInterestRateReductionMember 2025-01-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0001015328 wtfc:CommercialIndustrialAndOtherLoansMember us-gaap:CommercialPortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:CommercialIndustrialAndOtherLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:CommercialIndustrialAndOtherLoansMember 2026-01-01 2026-06-30 0001015328 wtfc:CommercialIndustrialAndOtherLoansMember us-gaap:CommercialPortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:CommercialIndustrialAndOtherLoansMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:CommercialIndustrialAndOtherLoansMember 2025-01-01 2025-06-30 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:ConstructionLoansMember 2026-04-01 2026-06-30 0001015328 us-gaap:ConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:ConstructionLoansMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember us-gaap:ConstructionLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 wtfc:NonConstructionLoansMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:NonConstructionLoansMember 2025-04-01 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember wtfc:NonConstructionLoansMember 2025-01-01 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0001015328 wtfc:HomeEquityPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2025-07-01 2026-06-30 0001015328 wtfc:PropertyAndCasualtyInsuranceLoansMember wtfc:PremiumFinanceReceivablePortfolioSegmentMember 2024-07-01 2025-06-30 0001015328 2025-07-01 2026-06-30 0001015328 2024-07-01 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodOneMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:PaymentDeferralReportedPeriodOneMember 2025-06-30 0001015328 us-gaap:CommercialRealEstatePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember wtfc:NonConstructionLoansMember 2026-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2026-06-30 0001015328 us-gaap:CommercialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember 2025-06-30 0001015328 us-gaap:ResidentialPortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember 2025-06-30 0001015328 wtfc:PremiumFinanceReceivablePortfolioSegmentMember wtfc:PaymentDeferralReportedPeriodTwoMember wtfc:PropertyAndCasualtyInsuranceLoansMember 2025-06-30 0001015328 wtfc:PaymentDeferralReportedPeriodTwoMember 2025-06-30 0001015328 wtfc:CommunityBankingSegmentMember 2025-12-31 0001015328 wtfc:CommunityBankingSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:CommunityBankingSegmentMember 2026-06-30 0001015328 wtfc:SpecialtyFinanceSegmentMember 2025-12-31 0001015328 wtfc:SpecialtyFinanceSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:SpecialtyFinanceSegmentMember 2026-06-30 0001015328 wtfc:WealthManagementSegmentMember 2025-12-31 0001015328 wtfc:WealthManagementSegmentMember 2026-01-01 2026-06-30 0001015328 wtfc:WealthManagementSegmentMember 2026-06-30 0001015328 wtfc:CommunityBankingSegmentMember us-gaap:CoreDepositsMember 2026-06-30 0001015328 wtfc:CommunityBankingSegmentMember us-gaap:CoreDepositsMember 2025-12-31 0001015328 wtfc:CommunityBankingSegmentMember us-gaap:CoreDepositsMember 2025-06-30 0001015328 us-gaap:TrademarksMember wtfc:CommunityBankingSegmentMember 2026-06-30 0001015328 us-gaap:TrademarksMember wtfc:CommunityBankingSegmentMember 2025-12-31 0001015328 us-gaap:TrademarksMember wtfc:CommunityBankingSegmentMember 2025-06-30 0001015328 wtfc:CommunityBankingSegmentMember 2025-06-30 0001015328 wtfc:SpecialtyFinanceSegmentMember us-gaap:CustomerListsMember 2026-06-30 0001015328 wtfc:SpecialtyFinanceSegmentMember us-gaap:CustomerListsMember 2025-12-31 0001015328 wtfc:SpecialtyFinanceSegmentMember us-gaap:CustomerListsMember 2025-06-30 0001015328 wtfc:WealthManagementSegmentMember wtfc:CustomerListAndOtherIntangiblesMember 2026-06-30 0001015328 wtfc:WealthManagementSegmentMember wtfc:CustomerListAndOtherIntangiblesMember 2025-12-31 0001015328 wtfc:WealthManagementSegmentMember wtfc:CustomerListAndOtherIntangiblesMember 2025-06-30 0001015328 us-gaap:RevolvingCreditFacilityMember 2026-06-30 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2025-12-14 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2025-12-15 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2026-06-30 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2025-12-31 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2025-06-30 0001015328 us-gaap:SecuredDebtMember wtfc:ReceivablesPurchaseAgreementMember 2026-01-01 2026-06-30 0001015328 us-gaap:SecuredDebtMember 2026-06-30 0001015328 us-gaap:SecuredDebtMember 2025-12-31 0001015328 us-gaap:SecuredDebtMember 2025-06-30 0001015328 us-gaap:SubordinatedDebtMember wtfc:SubordinatedDebt485MaturingJune2029Member 2019-12-31 0001015328 us-gaap:JuniorSubordinatedDebtMember 2025-06-30 0001015328 us-gaap:JuniorSubordinatedDebtMember 2026-06-30 0001015328 us-gaap:JuniorSubordinatedDebtMember 2025-12-31 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember 2026-04-01 2026-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2026-04-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember 2026-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember 2025-04-01 2025-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2025-04-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember 2025-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember 2026-01-01 2026-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2026-01-01 2026-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:CommunityBankingSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:SpecialtyFinanceSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember wtfc:WealthManagementSegmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:OperatingSegmentsMember 2025-01-01 2025-06-30 0001015328 us-gaap:IntersegmentEliminationMember 2025-01-01 2025-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:CashFlowHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:CashFlowHedgingMember 2025-12-31 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:CashFlowHedgingMember 2025-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:FairValueHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:FairValueHedgingMember 2025-12-31 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateContractMember us-gaap:FairValueHedgingMember 2025-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember 2025-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2026-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2025-12-31 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2025-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateLockCommitmentsMember 2026-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateLockCommitmentsMember 2025-12-31 0001015328 us-gaap:NondesignatedMember us-gaap:InterestRateLockCommitmentsMember 2025-06-30 0001015328 us-gaap:NondesignatedMember wtfc:ForwardCommitmentsToSellMortgageLoansMember 2026-06-30 0001015328 us-gaap:NondesignatedMember wtfc:ForwardCommitmentsToSellMortgageLoansMember 2025-12-31 0001015328 us-gaap:NondesignatedMember wtfc:ForwardCommitmentsToSellMortgageLoansMember 2025-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:CommodityContractMember 2026-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:CommodityContractMember 2025-12-31 0001015328 us-gaap:NondesignatedMember us-gaap:CommodityContractMember 2025-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2026-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2025-12-31 0001015328 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2025-06-30 0001015328 us-gaap:NondesignatedMember 2026-06-30 0001015328 us-gaap:NondesignatedMember 2025-12-31 0001015328 us-gaap:NondesignatedMember 2025-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember wtfc:FloorRateMember us-gaap:CashFlowHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember wtfc:InterestRateCollarsMember us-gaap:CashFlowHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember wtfc:InterestRateSwapsMember us-gaap:CashFlowHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:CashFlowHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember wtfc:InterestRateSwapTerminatedMember us-gaap:CashFlowHedgingMember 2022-03-31 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember wtfc:InterestRateSwapTerminatedMember us-gaap:CashFlowHedgingMember 2022-01-01 2022-03-31 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-03-31 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-03-31 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-12-31 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-04-01 2026-06-30 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-04-01 2025-06-30 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-01-01 2026-06-30 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-06-30 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-06-30 0001015328 us-gaap:InterestRateContractMember us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-06-30 0001015328 wtfc:InterestRateSwapTerminatedMember 2026-01-01 2026-06-30 0001015328 wtfc:InterestRateSwapAndCollarMember 2026-01-01 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestRateSwapMember us-gaap:FairValueHedgingMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss us-gaap:InterestRateSwapMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:DebtSecuritiesAvailableForSaleExcludingAccruedInterest us-gaap:InterestRateSwapMember 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio us-gaap:InterestRateSwapMember 2026-04-01 2026-06-30 0001015328 us-gaap:DesignatedAsHedgingInstrumentMember us-gaap:InterestAndFeeIncomeLoansAndLeasesHeldInPortfolio us-gaap:InterestRateSwapMember 2026-01-01 2026-06-30 0001015328 us-gaap:NondesignatedMember wtfc:InterestRateContractQualifiedBorrowersMember 2026-06-30 0001015328 us-gaap:NondesignatedMember wtfc:InterestRateContractQualifiedBorrowersMember 2025-12-31 0001015328 wtfc:MortgageBankingDerivativesMember 2026-06-30 0001015328 wtfc:MortgageBankingDerivativesMember 2025-12-31 0001015328 wtfc:ForwardSettingContractMortgageBackedMember 2026-06-30 0001015328 wtfc:ForwardSettingContractMortgageBackedMember 2025-12-31 0001015328 us-gaap:NondesignatedMember us-gaap:CallOptionMember 2026-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:CallOptionMember 2025-06-30 0001015328 us-gaap:NondesignatedMember us-gaap:CallOptionMember 2025-12-31 0001015328 wtfc:InterestRateSwapsAndCapsMember us-gaap:TradingGainsLosses 2026-04-01 2026-06-30 0001015328 wtfc:InterestRateSwapsAndCapsMember us-gaap:TradingGainsLosses 2025-04-01 2025-06-30 0001015328 wtfc:InterestRateSwapsAndCapsMember us-gaap:TradingGainsLosses 2026-01-01 2026-06-30 0001015328 wtfc:InterestRateSwapsAndCapsMember us-gaap:TradingGainsLosses 2025-01-01 2025-06-30 0001015328 wtfc:MortgageBankingDerivativesMember wtfc:RevenuesMortgageBanking 2026-04-01 2026-06-30 0001015328 wtfc:MortgageBankingDerivativesMember wtfc:RevenuesMortgageBanking 2025-04-01 2025-06-30 0001015328 wtfc:MortgageBankingDerivativesMember wtfc:RevenuesMortgageBanking 2026-01-01 2026-06-30 0001015328 wtfc:MortgageBankingDerivativesMember wtfc:RevenuesMortgageBanking 2025-01-01 2025-06-30 0001015328 us-gaap:CommodityContractMember us-gaap:TradingGainsLosses 2026-04-01 2026-06-30 0001015328 us-gaap:CommodityContractMember us-gaap:TradingGainsLosses 2025-04-01 2025-06-30 0001015328 us-gaap:CommodityContractMember us-gaap:TradingGainsLosses 2026-01-01 2026-06-30 0001015328 us-gaap:CommodityContractMember us-gaap:TradingGainsLosses 2025-01-01 2025-06-30 0001015328 us-gaap:ForeignExchangeContractMember us-gaap:TradingGainsLosses 2026-04-01 2026-06-30 0001015328 us-gaap:ForeignExchangeContractMember us-gaap:TradingGainsLosses 2025-04-01 2025-06-30 0001015328 us-gaap:ForeignExchangeContractMember us-gaap:TradingGainsLosses 2026-01-01 2026-06-30 0001015328 us-gaap:ForeignExchangeContractMember us-gaap:TradingGainsLosses 2025-01-01 2025-06-30 0001015328 us-gaap:CallOptionMember wtfc:FeesFromCoveredCallOptions 2026-04-01 2026-06-30 0001015328 us-gaap:CallOptionMember wtfc:FeesFromCoveredCallOptions 2025-04-01 2025-06-30 0001015328 us-gaap:CallOptionMember wtfc:FeesFromCoveredCallOptions 2026-01-01 2026-06-30 0001015328 us-gaap:CallOptionMember wtfc:FeesFromCoveredCallOptions 2025-01-01 2025-06-30 0001015328 wtfc:EconomicHedgeOnMSRsMember wtfc:RevenuesMortgageBanking 2026-04-01 2026-06-30 0001015328 wtfc:EconomicHedgeOnMSRsMember wtfc:RevenuesMortgageBanking 2025-04-01 2025-06-30 0001015328 wtfc:EconomicHedgeOnMSRsMember wtfc:RevenuesMortgageBanking 2026-01-01 2026-06-30 0001015328 wtfc:EconomicHedgeOnMSRsMember wtfc:RevenuesMortgageBanking 2025-01-01 2025-06-30 0001015328 us-gaap:InterestRateContractMember 2026-06-30 0001015328 us-gaap:InterestRateContractMember 2025-12-31 0001015328 us-gaap:InterestRateContractMember 2025-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember us-gaap:MeasurementInputDiscountRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember us-gaap:MeasurementInputEntityCreditRiskMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember us-gaap:MeasurementInputEntityCreditRiskMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember us-gaap:MeasurementInputEntityCreditRiskMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember us-gaap:MeasurementInputDiscountRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember us-gaap:MeasurementInputConstantPrepaymentRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 srt:WeightedAverageMember wtfc:LoansHeldForInvestmentMember 2026-01-01 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember us-gaap:MeasurementInputEntityCreditRiskMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember us-gaap:MeasurementInputEntityCreditRiskMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember us-gaap:MeasurementInputEntityCreditRiskMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputDiscountRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputDiscountRateMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputDiscountRateMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputConstantPrepaymentRateMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputConstantPrepaymentRateMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember us-gaap:MeasurementInputConstantPrepaymentRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingDelinquentMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputPullThroughRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputPullThroughRateMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputPullThroughRateMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0001015328 us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0001015328 us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0001015328 us-gaap:USGovernmentAgenciesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0001015328 us-gaap:MunicipalBondsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0001015328 us-gaap:CorporateDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-06-30 0001015328 us-gaap:AssetBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-06-30 0001015328 us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2025-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2026-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-12-31 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-06-30 0001015328 us-gaap:NonperformingFinancingReceivableMember 2026-06-30 0001015328 us-gaap:NonperformingFinancingReceivableMember 2025-12-31 0001015328 us-gaap:NonperformingFinancingReceivableMember 2025-06-30 0001015328 us-gaap:MunicipalBondsMember 2026-03-31 0001015328 wtfc:LoansHeldForSaleMember 2026-03-31 0001015328 wtfc:LoansHeldForInvestmentMember 2026-03-31 0001015328 wtfc:MortgageServicingRightsMember 2026-03-31 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2026-03-31 0001015328 us-gaap:MunicipalBondsMember 2026-04-01 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember 2026-04-01 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2026-04-01 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember 2026-04-01 2026-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2026-04-01 2026-06-30 0001015328 us-gaap:MunicipalBondsMember 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember 2026-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2026-06-30 0001015328 us-gaap:MunicipalBondsMember 2025-03-31 0001015328 wtfc:LoansHeldForSaleMember 2025-03-31 0001015328 wtfc:LoansHeldForInvestmentMember 2025-03-31 0001015328 wtfc:MortgageServicingRightsMember 2025-03-31 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2025-03-31 0001015328 us-gaap:MunicipalBondsMember 2025-04-01 2025-06-30 0001015328 wtfc:LoansHeldForSaleMember 2025-04-01 2025-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2025-04-01 2025-06-30 0001015328 wtfc:MortgageServicingRightsMember 2025-04-01 2025-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2025-04-01 2025-06-30 0001015328 us-gaap:MunicipalBondsMember 2025-06-30 0001015328 wtfc:LoansHeldForSaleMember 2025-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2025-06-30 0001015328 wtfc:MortgageServicingRightsMember 2025-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2025-06-30 0001015328 us-gaap:MunicipalBondsMember 2025-12-31 0001015328 wtfc:LoansHeldForSaleMember 2025-12-31 0001015328 wtfc:LoansHeldForInvestmentMember 2025-12-31 0001015328 wtfc:MortgageServicingRightsMember 2025-12-31 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2025-12-31 0001015328 us-gaap:MunicipalBondsMember 2026-01-01 2026-06-30 0001015328 wtfc:LoansHeldForSaleMember 2026-01-01 2026-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2026-01-01 2026-06-30 0001015328 wtfc:MortgageServicingRightsMember 2026-01-01 2026-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2026-01-01 2026-06-30 0001015328 us-gaap:MunicipalBondsMember 2024-12-31 0001015328 wtfc:LoansHeldForSaleMember 2024-12-31 0001015328 wtfc:LoansHeldForInvestmentMember 2024-12-31 0001015328 wtfc:MortgageServicingRightsMember 2024-12-31 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2024-12-31 0001015328 us-gaap:MunicipalBondsMember 2025-01-01 2025-06-30 0001015328 wtfc:LoansHeldForSaleMember 2025-01-01 2025-06-30 0001015328 wtfc:LoansHeldForInvestmentMember 2025-01-01 2025-06-30 0001015328 wtfc:MortgageServicingRightsMember 2025-01-01 2025-06-30 0001015328 us-gaap:DerivativeFinancialInstrumentsAssetsMember 2025-01-01 2025-06-30 0001015328 us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0001015328 us-gaap:FairValueInputsLevel3Member 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountForLackOfMarketabilityMember wtfc:OtherRealEstateOwnedMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountRateMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputEntityCreditRiskMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputEntityCreditRiskMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputEntityCreditRiskMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountRateMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountRateMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputConstantPrepaymentRateMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputConstantPrepaymentRateMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputExpectedTermMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputExpectedTermMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputExpectedTermMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputConstantPrepaymentRateMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputConstantPrepaymentRateMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingDelinquentMember srt:MinimumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 wtfc:MeasurementInputCostOfServicingDelinquentMember srt:MaximumMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountForLackOfMarketabilityMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:CostApproachValuationTechniqueMember 2026-06-30 0001015328 us-gaap:MeasurementInputDiscountForLackOfMarketabilityMember srt:WeightedAverageMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member us-gaap:CostApproachValuationTechniqueMember 2026-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2026-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2026-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2025-12-31 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2025-12-31 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2025-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtFairValueMember 2025-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2026-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2026-06-30 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2025-12-31 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2025-12-31 0001015328 us-gaap:CarryingReportedAmountFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2025-06-30 0001015328 us-gaap:EstimateOfFairValueFairValueDisclosureMember wtfc:LoansHeldForInvestmentAtAmortizedCostMember 2025-06-30 0001015328 us-gaap:RestrictedStockMember 2025-12-31 0001015328 us-gaap:RestrictedStockMember 2024-12-31 0001015328 us-gaap:RestrictedStockMember 2026-01-01 2026-06-30 0001015328 us-gaap:RestrictedStockMember 2025-01-01 2025-06-30 0001015328 us-gaap:RestrictedStockMember 2026-06-30 0001015328 us-gaap:RestrictedStockMember 2025-06-30 0001015328 us-gaap:PerformanceSharesMember 2025-12-31 0001015328 us-gaap:PerformanceSharesMember 2024-12-31 0001015328 us-gaap:PerformanceSharesMember 2026-01-01 2026-06-30 0001015328 us-gaap:PerformanceSharesMember 2025-01-01 2025-06-30 0001015328 us-gaap:PerformanceSharesMember 2026-06-30 0001015328 us-gaap:PerformanceSharesMember 2025-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-03-31 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-03-31 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2026-03-31 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2026-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-12-31 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-12-31 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2025-12-31 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-03-31 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-03-31 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2025-03-31 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2025-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2024-12-31 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-06-30 0001015328 us-gaap:AccumulatedTranslationAdjustmentMember 2025-01-01 2025-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0001015328 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0001015328 wtfc:O2026Q1DividendsMember 2026-01-01 2026-03-31 0001015328 wtfc:O2026Q1ADividendsMember 2026-01-01 2026-03-31 0001015328 wtfc:O2026Q2DividendsMember 2025-04-01 2025-06-30 0001015328 wtfc:O2026Q2ADividendsMember 2025-04-01 2025-06-30

Table of Contents

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 _________________________________________

FORM 10-Q
_________________________________________

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 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, 67,465,967 shares, as of July 31, 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
46

ITEM 3. Quantitative and Qualitative Disclosures About Market Risk
74

ITEM 4. Controls and Procedures
76

PART II. — OTHER INFORMATION
ITEM 1. Legal Proceedings
76

ITEM 1A. Risk Factors
76

ITEM 2. Unregistered Sales of Equity Securities, Use of Proceeds and Issuer Purchases of Equity Securities
77

ITEM 3. Defaults Upon Senior Securities NA
ITEM 4. Mine Safety Disclosures NA
ITEM 5. Other Information
77

ITEM 6. Exhibits
77

Signatures
78

Table of Contents

PART I

ITEM 1. FINANCIAL STATEMENTS

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CONDITION

(Unaudited) (Unaudited)
(Dollars in thousands, except per share data) June 30,
2026 December 31,
2025 June 30,
2025
Assets
Cash and due from banks $ 595,790   $ 467,874   $ 695,501  
Federal funds sold and securities purchased under resale agreements 65   64   63  
Interest-bearing deposits with banks 3,573,915   3,180,553   4,569,618  
Available-for-sale securities, at fair value 7,587,545   6,236,263   4,885,715  
Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $ 220 , $ 260 and $ 398 at June 30, 2026, December 31, 2025 and June 30, 2025, respectively ($ 2.6 billion, $ 2.8 billion and $ 2.9 billion fair value at June 30, 2026, December 31, 2025 and June 30, 2025, respectively)
3,196,452   3,343,905   3,502,186  

Equity securities with readily determinable fair value 65,815   63,770   273,722  
Federal Home Loan Bank and Federal Reserve Bank stock 294,629   291,881   282,087  

Mortgage loans held-for-sale, at fair value 407,495   340,745   299,606  

Loans, net of unearned income 55,654,947   53,105,101   51,041,679  
Allowance for loan losses ( 402,952 ) ( 379,283 ) ( 391,654 )

Net loans 55,251,995   52,725,818   50,650,025  
Premises, software and equipment, net 778,958   781,611   776,324  
Lease investments, net 363,664   360,646   289,768  

Accrued interest receivable and other assets 1,666,474   1,617,682   1,610,025  
Receivable on unsettled securities sales —   835,275   240,039  

Goodwill 797,219   797,960   798,144  
Other acquisition-related intangible assets 88,119   97,999   110,495  
Total assets $ 74,668,135   $ 71,142,046   $ 68,983,318  

Liabilities and Shareholders’ Equity
Deposits:
Non-interest-bearing $ 11,796,736   $ 11,423,701   $ 10,877,166  
Interest-bearing 49,344,539   46,293,490   44,939,645  
Total deposits 61,141,275   57,717,191   55,816,811  

Federal Home Loan Bank advances 3,450,680   3,451,309   3,151,309  

Other borrowings 370,736   477,966   625,392  

Subordinated notes 298,820   298,636   298,458  
Junior subordinated debentures 253,566   253,566   253,566  
Payable on unsettled securities sales —   —   39,105  
Accrued interest payable and other liabilities 1,627,942   1,684,663   1,572,981  

Total liabilities 67,143,019   63,883,331   61,757,622  
Shareholders’ Equity:
Preferred stock, no par value; 20,000,000 shares authorized:

Series D - $ 25 liquidation value; no shares issued and outstanding at June 30, 2026 and December 31, 2025 and 5,000,000 shares issued and outstanding at June 30, 2025
—   —   125,000  
Series E - $ 25,000 liquidation value; no shares issued and outstanding at June 30, 2026 and December 31, 2025 and 11,500 shares issued and outstanding at June 30, 2025
—   —   287,500  
Series F - $ 25,000 liquidation value; 17,000 shares issued and outstanding at June 30, 2026, December 31, 2025 and June 30, 2025
425,000   425,000   425,000  
Common stock, no par value; $ 1.00 stated value; 100,000,000 shares authorized at June 30, 2026, December 31, 2025 and June 30, 2025; 67,581,486 shares issued at June 30, 2026, 67,062,182 shares issued at December 31, 2025 and 67,025,001 shares issued at June 30, 2025
67,581   67,062   67,025  
Surplus 2,560,427   2,534,024   2,495,637  
Treasury stock, at cost, 126,072 shares at June 30, 2026, and 87,269 shares at December 31, 2025 and June 30, 2025
( 14,882 ) ( 9,156 ) ( 9,156 )
Retained earnings 4,907,788   4,537,539   4,200,923  
Accumulated other comprehensive loss ( 420,798 ) ( 295,754 ) ( 366,233 )
Total shareholders’ equity 7,525,116   7,258,715   7,225,696  
Total liabilities and shareholders’ equity $ 74,668,135   $ 71,142,046   $ 68,983,318  

See accompanying notes to unaudited consolidated financial statements.
1

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)
Three Months Ended Six Months Ended
(Dollars in thousands, except per share data) June 30,
2026 June 30,
2025 June 30,
2026 June 30,
2025
Interest income
Interest and fees on loans $ 822,981   $ 797,997   $ 1,620,870   $ 1,566,359  
Mortgage loans held-for-sale 6,169   4,872   10,784   9,118  
Interest-bearing deposits with banks 20,916   34,317   40,066   71,083  
Federal funds sold and securities purchased under resale agreements 5   276   69   455  
Investment securities 105,716   78,053   205,994   150,069  
Trading account securities —   —   —   11  
Federal Home Loan Bank and Federal Reserve Bank stock 5,625   5,393   11,189   10,700  
Brokerage customer receivables —   —   —   78  
Total interest income 961,412   920,908   1,888,972   1,807,873  
Interest expense
Interest on deposits 325,033   333,470   634,220   653,703  
Interest on Federal Home Loan Bank advances 28,218   25,724   55,919   51,165  
Interest on other borrowings 3,121   6,957   7,147   13,749  
Interest on subordinated notes 3,739   3,735   7,458   7,449  
Interest on junior subordinated debentures 3,935   4,328   7,838   8,639  
Total interest expense 364,046   374,214   712,582   734,705  
Net interest income 597,366   546,694   1,176,390   1,073,168  
Provision for credit losses 23,134   22,234   52,728   46,197  
Net interest income after provision for credit losses 574,232   524,460   1,123,662   1,026,971  
Non-interest income
Wealth management 39,883   36,821   81,942   70,863  
Mortgage banking 27,438   23,170   50,834   43,699  
Service charges on deposit accounts 21,240   19,502   42,210   38,864  
Gains on investment securities, net 1,845   650   1,814   3,846  
Fees from covered call options 4,793   5,624   9,462   9,070  
Trading gains, net 70   151   80   87  
Operating lease income, net 18,804   15,166   37,958   30,453  
Other 27,196   23,005   51,111   43,841  
Total non-interest income 141,269   124,089   275,411   240,723  
Non-interest expense
Salaries and employee benefits 234,089   219,541   462,536   431,067  
Software and equipment 39,288   36,522   74,942   71,239  
Operating lease equipment 11,187   10,757   22,174   21,228  
Occupancy, net 21,153   20,228   41,719   41,006  
Data processing 10,659   12,110   21,925   23,384  
Advertising and marketing 20,432   18,761   33,650   31,033  
Professional fees 9,342   9,243   16,717   18,287  
Amortization of other acquisition-related intangible assets 4,921   5,580   9,879   11,198  
FDIC insurance 6,640   10,971   17,630   21,897  
Other real estate owned expense, net 786   505   993   1,148  
Other 39,040   37,243   78,004   76,064  
Total non-interest expense 397,537   381,461   780,169   747,551  
Income before taxes 317,964   267,088   618,904   520,143  
Income tax expense 84,271   71,561   157,823   135,577  
Net income $ 233,693   $ 195,527   $ 461,081   $ 384,566  
Preferred stock dividends 8,367   6,991   16,734   13,982  

Net income applicable to common shares $ 225,326   $ 188,536   $ 444,347   $ 370,584  
Net income per common share—Basic $ 3.34   $ 2.82   $ 6.60   $ 5.55  
Net income per common share—Diluted $ 3.30   $ 2.78   $ 6.52   $ 5.47  
Cash dividends declared per common share $ 0.55   $ 0.50   $ 1.10   $ 1.00  
Weighted average common shares outstanding 67,434   66,931   67,341   66,829  
Dilutive potential common shares 852   888   852   903  
Average common shares and dilutive common shares 68,286   67,819   68,193   67,732  

See accompanying notes to unaudited consolidated financial statements.
2

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)
 

Three Months Ended Six Months Ended
(In thousands) June 30,
2026 June 30,
2025 June 30,
2026 June 30,
2025
Net income $ 233,693   $ 195,527   $ 461,081   $ 384,566  
Unrealized (losses) gains on available-for-sale securities
Before tax ( 21,890 ) 5,365   ( 82,386 ) 80,191  
Tax effect 5,691   ( 1,395 ) 21,420   ( 20,850 )
Net of tax ( 16,199 ) 3,970   ( 60,966 ) 59,341  
Reclassification of net losses on available-for-sale securities included in net income
Before tax ( 35 ) ( 87 ) ( 37 ) ( 388 )
Tax effect 8   23   9   101  
Net of tax ( 27 ) ( 64 ) ( 28 ) ( 287 )
Reclassification of amortization of unrealized gains on investment securities transferred to held-to-maturity from available-for-sale
Before tax 3   10   16   21  
Tax effect ( 1 ) ( 2 ) ( 4 ) ( 5 )
Net of tax 2   8   12   16  
Net unrealized (losses) gains on available-for-sale securities ( 16,174 ) 4,026   ( 60,950 ) 59,612  
Unrealized (losses) gains on derivative instruments
Before tax ( 42,145 ) 29,964   ( 71,591 ) 88,037  
Tax effect 10,958   ( 7,791 ) 18,614   ( 22,890 )
Net unrealized (losses) gains on derivative instruments ( 31,187 ) 22,173   ( 52,977 ) 65,147  
Foreign currency adjustment
Before tax ( 8,005 ) 21,398   ( 13,441 ) 21,120  
Tax effect 1,376   ( 3,815 ) 2,324   ( 3,777 )
Net foreign currency adjustment ( 6,629 ) 17,583   ( 11,117 ) 17,343  
Total other comprehensive (loss) income ( 53,990 ) 43,782   ( 125,044 ) 142,102  
Comprehensive income $ 179,703   $ 239,309   $ 336,037   $ 526,668  

See accompanying notes to unaudited consolidated financial statements.

3

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)

(Dollars in thousands, except per share data) Preferred
stock Common
stock Surplus Treasury
stock Retained
earnings Accumulated other comprehensive loss Total shareholders’ equity
Balance at March 31, 2025
$ 412,500   $ 67,007   $ 2,494,347   $ ( 9,156 ) $ 4,045,854   $ ( 410,015 ) $ 6,600,537  
Net income —  —  —  —  195,527   —  195,527  
Other comprehensive income, net of tax —  —  —  —  —  43,782   43,782  
Cash dividends declared on common stock, $ 0.50 per share
—  —  —  —  ( 33,467 ) —  ( 33,467 )
Dividends on Series D preferred stock, $ 0.41 per share and Series E preferred stock, $ 429.69 per share
—  —  —  —  ( 6,991 ) —  ( 6,991 )
Stock-based compensation —  —  10,164   —  —  —  10,164  
Issuance of Series F Preferred Stock 425,000   —  ( 10,788 ) —  —  —  414,212  
Common stock issued for:
Exercise of stock options —  —  1   —  —  —  1  
Restricted stock awards —  8   ( 8 ) —  —  —  —  
Employee stock purchase plan —  9   981   —  —  —  990  
Director compensation plan —  1   940   —  —  —  941  
Balance at June 30, 2025 $ 837,500   $ 67,025   $ 2,495,637   $ ( 9,156 ) $ 4,200,923   $ ( 366,233 ) $ 7,225,696  

Balance at January 1, 2025 $ 412,500   $ 66,560   $ 2,482,561   $ ( 6,153 ) $ 3,897,164   $ ( 508,335 ) $ 6,344,297  
Net income —  —  —  —  384,566   —  384,566  
Other comprehensive income, net of tax —  —  —  —  —  142,102   142,102  
Cash dividends declared on common stock, $ 1.00 per share
—  —  —  —  ( 66,825 ) —  ( 66,825 )
Dividends on Series D preferred stock, $ 0.82 per share and Series E preferred stock, $ 859.38 per share
—  —  —  —  ( 13,982 ) —  ( 13,982 )
Stock-based compensation —  —  20,575   —  —  —  20,575  
Issuance of Series F Preferred Stock 425,000   —  ( 10,788 ) —  —  —  414,212  
Common stock issued for:
Exercise of stock options —  5   215   —  —  —  220  
Restricted stock awards —  425   ( 425 ) ( 3,003 ) —  —  ( 3,003 )
Employee stock purchase plan —  16   1,749   —  —  —  1,765  
Director compensation plan —  19   1,750   —  —  —  1,769  
Balance at June 30, 2025 $ 837,500   $ 67,025   $ 2,495,637   $ ( 9,156 ) $ 4,200,923   $ ( 366,233 ) $ 7,225,696  

Balance at March 31, 2026
$ 425,000   $ 67,563   $ 2,546,754   $ ( 13,970 ) $ 4,719,561   $ ( 366,808 ) $ 7,378,100  
Net income —   —   —   —   233,693   —   233,693  
Other comprehensive loss, net of tax —   —   —   —   —   ( 53,990 ) ( 53,990 )
Cash dividends declared on common stock, $ 0.55 per share
—   —   —   —   ( 37,099 ) —   ( 37,099 )
Dividends on Series F preferred stock, $ 492.19 per share
—   —   —   —   ( 8,367 ) —   ( 8,367 )
Stock-based compensation —   —   11,664   —   —   —   11,664  
Common stock issued for:

Restricted stock awards —   10   ( 10 ) ( 912 ) —   —   ( 912 )
Employee stock purchase plan —   7   1,014   —   —   —   1,021  
Director compensation plan —   1   1,005   —   —   —   1,006  
Balance at June 30, 2026 $ 425,000   $ 67,581   $ 2,560,427   $ ( 14,882 ) $ 4,907,788   $ ( 420,798 ) $ 7,525,116  

Balance at January 1, 2026 $ 425,000   $ 67,062   $ 2,534,024   $ ( 9,156 ) $ 4,537,539   $ ( 295,754 ) $ 7,258,715  
Net income —   —   —   —   461,081   —   461,081  
Other comprehensive loss, net of tax —   —   —   —   —   ( 125,044 ) ( 125,044 )
Cash dividends declared on common stock, $ 1.10 per share
—   —   —   —   ( 74,098 ) —   ( 74,098 )
Dividends on Series F preferred stock, $ 984.38 per share
—   —   —   —   ( 16,734 ) —   ( 16,734 )
Stock-based compensation —   —   22,988   —   —   —   22,988  
Common stock issued for:
Exercise of stock options —   2   93   —   —   —   95  
Restricted stock awards —   474   ( 474 ) ( 5,726 ) —   —   ( 5,726 )
Employee stock purchase plan —   13   1,810   —   —   —   1,823  
Director compensation plan —   30   1,986   —   —   —   2,016  
Balance at June 30, 2026 $ 425,000   $ 67,581   $ 2,560,427   $ ( 14,882 ) $ 4,907,788   $ ( 420,798 ) $ 7,525,116  

See accompanying notes to unaudited consolidated financial statements.
4

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

Six Months Ended
(In thousands) June 30,
2026 June 30,
2025
Operating Activities:
Net income $ 461,081   $ 384,566  
Adjustments to reconcile net income to net cash provided by operating activities
Provision for credit losses 52,728   46,197  
Depreciation, amortization and accretion, net 59,162   60,352  
Stock-based compensation expense 22,988   20,575  

Accretion of discount on securities, net ( 17,596 ) ( 1,787 )
Amortization (accretion) of discount and deferred fees on loans, net 4,831   ( 10,341 )
Mortgage servicing rights fair value changes ( 2,039 ) 21,732  
Non-designated derivatives fair value changes, net 4,035   75,299  
Originations and purchases of mortgage loans held-for-sale ( 1,428,962 ) ( 1,141,999 )
Early buy-out exercises of mortgage loans held-for-sale guaranteed by U.S. government agencies, net of subsequent paydowns or payoffs ( 44,855 ) 7,244  
Proceeds from sales of mortgage loans held-for-sale 1,395,939   1,149,356  

Bank owned life insurance (“BOLI”) gains ( 4,164 ) ( 3,053 )
Decrease in trading securities, net —   4,072  
Decrease in brokerage customer receivables, net —   18,102  
Gains on mortgage loans sold ( 32,967 ) ( 28,461 )

Gains on investment securities, net, and dividend reinvestment on equity securities ( 1,814 ) ( 3,846 )

(Gains) losses on sales of premises and equipment, net ( 706 ) 409  
Losses on sales and fair value adjustments of other real estate owned, net 234   816  
Decrease in accrued interest receivable and other assets, net 736,099   90,322  
Decrease in accrued interest payable and other liabilities, net ( 21,700 ) ( 240,645 )
Net Cash Provided by Operating Activities 1,182,294   448,910  
Investing Activities:
Proceeds from calls and sales of available-for-sale securities 16,589   465,078  
Proceeds from payments and maturities of available-for-sale securities 433,248   259,210  
Proceeds from payments, maturities and calls of held-to-maturity securities 147,213   110,752  

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 1,324   —  
Purchases of available-for-sale securities ( 1,865,646 ) ( 1,587,099 )

Purchases of equity securities with readily determinable fair value ( 778 ) ( 56,019 )
Purchases of equity securities without readily determinable fair value ( 2,608 ) ( 1,053 )
Purchases of Federal Home Loan Bank and Federal Reserve Bank stock, net ( 2,748 ) ( 680 )
Distributions from investments in partnerships, net 4,033   1,161  

Proceeds from sales of other real estate owned 6,259   —  

Increase in interest-bearing deposits with banks, net ( 396,881 ) ( 150,218 )
Increase in loans, net ( 2,600,181 ) ( 2,957,473 )
Redemption of BOLI 337   —  
Purchases of premises and equipment, net ( 30,460 ) ( 9,710 )
Net Cash Used for Investing Activities ( 4,290,299 ) ( 3,921,051 )
Financing Activities:
Increase in deposit accounts, net 3,424,084   3,304,462  
(Decrease) increase in other borrowings, net ( 94,909 ) 70,551  
Decrease in Federal Home Loan Bank advances, net ( 629 ) —  

Proceeds from the issuance of preferred stock, net —   414,212  

Issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan 3,934   3,754  

Common stock repurchases for tax withholdings related to stock-based compensation ( 5,726 ) ( 3,003 )
Dividends paid ( 90,832 ) ( 80,807 )
Net Cash Provided by Financing Activities 3,235,922   3,709,169  
Net Increase in Cash and Cash Equivalents 127,917   237,028  
Cash and Cash Equivalents at Beginning of Period 467,938   458,536  
Cash and Cash Equivalents at End of Period $ 595,855   $ 695,564  

See accompanying notes to unaudited consolidated financial statements.
5

Table of Contents

WINTRUST FINANCIAL CORPORATION AND SUBSIDIARIES
NOTES TO UNAUDITED CONSOLIDATED FINANCIAL STATEMENTS

(1) Basis of Presentation

The interim consolidated financial statements of Wintrust Financial Corporation and its subsidiaries (collectively, “Wintrust” or the “Company”) presented herein are unaudited, but in the opinion of management, reflect all necessary adjustments of a normal or recurring nature for a fair presentation of results as of the dates and for the periods covered by the interim consolidated financial statements.

The accompanying interim consolidated financial statements are unaudited and do not include information or footnotes necessary for a complete presentation of financial condition, results of operations or cash flows in accordance with U.S. generally accepted accounting principles (“GAAP”). The interim unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and notes included in the Company’s Annual Report on Form 10-K for the year ended December 31, 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 Financial Accounting Standards Board (“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.

6

Table of Contents

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.

7

Table of Contents

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.

8

Table of Contents

(5) Investment Securities

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

June 30, 2026
(In thousands) Amortized
Cost Gross
Unrealized
Gains Gross
Unrealized
Losses Fair
Value
Available-for-sale securities
U.S. Treasury $ 5,000   $ 5   $ —   $ 5,005  
U.S. government agencies 50,000   —   ( 3,498 ) 46,502  
Municipal 171,880   1,154   ( 1,886 ) 171,148  
Corporate notes:
Financial issuers 75,000   —   ( 1,973 ) 73,027  
Other 1,000   18   —   1,018  
Mortgage-backed: (1)

Residential mortgage-backed securities 6,602,806   9,694   ( 454,231 ) 6,158,269  
Commercial (multi-family) mortgage-backed securities 344,436   27   ( 10,474 ) 333,989  
Collateralized mortgage obligations 818,989   487   ( 20,889 ) 798,587  
Total available-for-sale securities $ 8,069,111   $ 11,385   $ ( 492,951 ) $ 7,587,545  
Held-to-maturity securities
U.S. government agencies $ 313,542   $ —   $ ( 60,052 ) $ 253,490  
Municipal 134,234   248   ( 1,946 ) 132,536  
Mortgage-backed: (1)

Residential mortgage-backed securities 2,557,267   4,665   ( 487,151 ) 2,074,781  
Commercial (multi-family) mortgage-backed securities 6,210   —   ( 115 ) 6,095  
Collateralized mortgage obligations 159,437   271   ( 17,498 ) 142,210  
Corporate notes 25,982   —   ( 133 ) 25,849  
Total held-to-maturity securities $ 3,196,672   $ 5,184   $ ( 566,895 ) $ 2,634,961  
Less: Allowance for credit losses ( 220 )
Held-to-maturity securities, net of allowance for credit losses $ 3,196,452  
Equity securities with readily determinable fair value $ 61,989   $ 7,836   $ ( 4,010 ) $ 65,815  

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

9

Table of Contents

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.

10

Table of Contents

June 30, 2025
Amortized
Cost Gross
Unrealized
Gains Gross
Unrealized
Losses Fair
Value
(In thousands)
Available-for-sale securities
U.S. Treasury $ 12,979   $ 39   $ —   $ 13,018  
U.S. government agencies 50,000   —   ( 4,176 ) 45,824  
Municipal 182,761   1,120   ( 3,237 ) 180,644  
Corporate notes:
Financial issuers 82,000   —   ( 3,199 ) 78,801  
Other 1,000   —   ( 2 ) 998  
Mortgage-backed: (1)

Residential mortgage-backed securities 4,618,492   3,960   ( 478,768 ) 4,143,684  
Commercial (multi-family) mortgage-backed securities 130,464   115   ( 3,634 ) 126,945  
Collateralized mortgage obligations 311,497   1,863   ( 17,559 ) 295,801  
Total available-for-sale securities $ 5,389,193   $ 7,097   $ ( 510,575 ) $ 4,885,715  
Held-to-maturity securities
U.S. government agencies $ 313,540   $ —   $ ( 64,071 ) $ 249,469  
Municipal 156,753   296   ( 4,030 ) 153,019  
Mortgage-backed: (1)

Residential mortgage-backed securities 2,775,981   1,637   ( 548,063 ) 2,229,555  
Commercial (multi-family) mortgage-backed securities 6,333   51   ( 113 ) 6,271  
Collateralized mortgage obligations 196,446   982   ( 18,933 ) 178,495  
Corporate notes 53,531   75   ( 1,000 ) 52,606  
Total held-to-maturity securities $ 3,502,584   $ 3,041   $ ( 636,210 ) $ 2,869,415  
Less: Allowance for credit losses ( 398 )
Held-to-maturity securities, net of allowance for credit losses $ 3,502,186  
Equity securities with readily determinable fair value $ 273,789   $ 7,047   $ ( 7,114 ) $ 273,722  

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

Equity securities without readily determinable fair values totaled $ 70.7 million as of June 30, 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 and six months ended June 30, 2026, the Company recorded no upward or downward adjustments related to such observable price changes. During the three and six months ended June 30, 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 and six months ended June 30, 2026, the Company recorded no impairment of equity securities without readily determinable fair values. During the three and six months ended June 30, 2025, the Company recorded $ 1.1 million impairment of equity securities without readily determinable fair values.
11

Table of Contents

The following table presents the portion of the Company’s available-for-sale investment securities portfolios that have gross unrealized losses, reflecting the length of time that individual securities have been in a continuous unrealized loss position at June 30, 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 $ —   $ —   $ 46,502   $ ( 3,498 ) $ 46,502   $ ( 3,498 )
Municipal 61,216   ( 362 ) 25,384   ( 1,524 ) 86,600   ( 1,886 )
Corporate notes:
Financial issuers —   —   73,027   ( 1,973 ) 73,027   ( 1,973 )

Mortgage-backed: (1)

Residential mortgage-backed securities 3,329,857   ( 47,898 ) 2,042,063   ( 406,333 ) 5,371,920   ( 454,231 )
Commercial (multi-family) mortgage-backed securities 232,076   ( 5,790 ) 97,055   ( 4,684 ) 329,131   ( 10,474 )
Collateralized mortgage obligations 625,750   ( 5,920 ) 65,979   ( 14,969 ) 691,729   ( 20,889 )
Total available-for-sale securities $ 4,248,899   $ ( 59,970 ) $ 2,350,010   $ ( 432,981 ) $ 6,598,909   $ ( 492,951 )

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

The Company conducts a regular assessment of its investment securities to determine whether securities are experiencing credit losses. Factors for consideration include the nature of the securities, credit ratings or financial condition of the issuer, the extent of the unrealized loss, expected cash flows, market conditions and the Company’s ability to hold the securities through the anticipated recovery period.

The Company does not consider available-for-sale securities with unrealized losses at June 30, 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 June 30, 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 June 30, 2026.

12

Table of Contents

The following table provides information as to the amount of gross gains and losses, adjustments and impairment on investment securities recognized in earnings and proceeds received through the sale or call of investment securities:

Three months ended June 30, Six months ended June 30,
(In thousands) 2026 2025 2026 2025
Realized gains on investment securities $ 399   $ 94   $ 663   $ 283  
Realized losses on investment securities ( 105 ) ( 263 ) ( 116 ) ( 624 )
Net realized gains (losses) on investment securities 294   ( 169 ) 547   ( 341 )

Unrealized gains on equity securities with readily determinable fair value 1,680   1,892   1,886   5,337  
Unrealized losses on equity securities with readily determinable fair value ( 129 ) —   ( 619 ) ( 57 )
Net unrealized gains on equity securities with readily determinable fair value 1,551   1,892   1,267   5,280  

Downward adjustments of equity securities without readily determinable fair values —   —   —   ( 20 )
Impairment of equity securities without readily determinable fair values —   ( 1,073 ) —   ( 1,073 )
Adjustment and impairment, net, of equity securities without readily determinable fair values —   ( 1,073 ) —   ( 1,093 )
Gains on investment securities, net $ 1,845   $ 650   $ 1,814   $ 3,846  

The amortized cost and fair value of available-for-sale and held-to-maturity investment securities as of June 30, 2026, December 31, 2025 and June 30, 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:

June 30, 2026 December 31, 2025 June 30, 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 $ 50,797   $ 50,770   $ 47,978   $ 47,915   $ 62,253   $ 62,243  
Due in one to five years 147,762   145,769   143,352   141,123   151,056   148,424  
Due in five to ten years 75,168   73,431   80,561   79,672   88,408   84,792  
Due after ten years 29,153   26,730   27,481   25,257   27,023   23,826  
Mortgage-backed 7,766,231   7,290,845   6,336,109   5,942,296   5,060,453   4,566,430  
Total available-for-sale securities $ 8,069,111   $ 7,587,545   $ 6,635,481   $ 6,236,263   $ 5,389,193   $ 4,885,715  
Held-to-maturity securities
Due in one year or less $ 37,765   $ 37,664   $ 47,030   $ 46,630   $ 30,097   $ 29,819  
Due in one to five years 74,802   74,609   76,452   76,366   99,929   98,644  
Due in five to ten years 59,807   56,219   67,195   63,882   91,099   86,363  
Due after ten years 301,384   243,383   302,153   246,728   302,699   240,268  
Mortgage-backed 2,722,914   2,223,086   2,851,335   2,351,541   2,978,760   2,414,321  
Total held-to-maturity securities $ 3,196,672   $ 2,634,961   $ 3,344,165   $ 2,785,147   $ 3,502,584   $ 2,869,415  
Less: Allowance for credit losses ( 220 ) ( 260 ) ( 398 )
Held-to-maturity securities, net of allowance for credit losses $ 3,196,452   $ 3,343,905   $ 3,502,186  

Securities having a carrying value of $ 9.6 billion at June 30, 2026 as well as securities having a carrying value of $ 8.6 billion and $ 7.3 billion at December 31, 2025 and June 30, 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 June 30, 2026, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity.

13

Table of Contents

(6) Loans

The following table shows the Company’s loan portfolio by category as of the dates shown:

June 30, December 31, June 30,
(Dollars in thousands) 2026 2025 2025
Balance:
Commercial $ 18,281,311   $ 17,044,686   $ 16,387,431  
Commercial real estate 14,270,607   13,940,736   13,292,010  
Home equity 491,782   480,525   466,815  
Residential real estate 4,542,692   4,317,232   3,948,782  
Premium finance receivables—property & casualty 8,612,023   8,183,416   8,323,176  
Premium finance receivables—life insurance 9,312,521   9,023,642   8,506,960  
Consumer and other 144,011   114,864   116,505  
    Total loans, net of unearned income $ 55,654,947   $ 53,105,101   $ 51,041,679  
Mix:
Commercial 33   % 32   % 32   %
Commercial real estate 26   26   26  
Home equity 1   1   1  
Residential real estate 8   8   8  
Premium finance receivables—property & casualty 15   16   16  
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 $ 282.1  million at June 30, 2026, $ 268.6 million at December 31, 2025 and $ 284.0 million at June 30, 2025.

Total loans, excluding purchased credit deteriorated (“PCD”) loans, include net deferred loan fees and costs and fair value purchase accounting adjustments totaling $ 101.7 million at June 30, 2026, $ 77.9 million at December 31, 2025 and $ 67.6 million at June 30, 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.

14

Table of Contents

In accordance with ASC 326, the Company elected to not measure an allowance for credit losses on accrued interest. As such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. In addition, the Company elected to not include accrued interest within presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the Company's financial statements. Accrued interest related to financial assets held at amortized cost is included within accrued interest receivable and other assets within the Company's Consolidated Statements of Condition and totaled $ 336.7 million at June 30, 2026, $ 312.2 million at December 31, 2025, and $ 341.3 million at June 30, 2025.

The tables below show the aging of the Company’s loan portfolio by the segmentation noted above at June 30, 2026, December 31, 2025 and June 30, 2025:

As of June 30, 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 $ 90,642   $ —   $ 14,851   $ 38,292   $ 18,137,526   $ 18,281,311  

Commercial real estate
Construction and development 859   —   5,179   1,055   2,648,572   2,655,665  
Non-construction 16,361   —   9,700   59,396   11,529,485   11,614,942  

Home equity 1,177   —   690   878   489,037   491,782  

Residential real estate, excluding early buy-out loans 25,910   —   3,310   —   4,382,137   4,411,357  

Premium finance receivables—property & casualty 28,061   16,003   18,198   25,864   8,523,897   8,612,023  
Premium finance receivables—life insurance —   —   2,908   8,606   9,301,007   9,312,521  

Consumer and other 113   145   195   1,253   142,305   144,011  
Total loans, net of unearned income, excluding early buy-out loans $ 163,123   $ 16,148   $ 55,031   $ 135,344   $ 55,153,966   $ 55,523,612  
Early buy-out loans guaranteed by U.S. government agencies (1)
—   53,895   310   —   77,130   131,335  
Total loans, net of unearned income $ 163,123   $ 70,043   $ 55,341   $ 135,344   $ 55,231,096   $ 55,654,947  

(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.

15

Table of Contents

As of June 30, 2025 90+ days and still accruing 60-89 days past due 30-59 days past due
(In thousands) Nonaccrual Current Total Loans
Loan Balances (includes PCD):

Commercial $ 80,877   $ —   $ 34,855   $ 45,103   $ 16,226,596   $ 16,387,431  

Commercial real estate
Construction and development 3,200   —   3,271   1,721   2,520,925   2,529,117  
Non-construction 29,628   —   7,986   49,452   10,675,827   10,762,893  

Home equity 1,780   —   138   2,971   461,926   466,815  

Residential real estate, excluding early buy-out loans 28,047   —   8,954   38   3,777,676   3,814,715  

Premium finance receivables—property & casualty 30,404   14,350   25,641   29,460   8,223,321   8,323,176  
Premium finance receivables—life insurance —   327   11,202   34,403   8,461,028   8,506,960  

Consumer and other 41   184   61   175   116,044   116,505  
Total loans, net of unearned income, excluding early buy-out loans $ 173,977   $ 14,861   $ 92,108   $ 163,323   $ 50,463,343   $ 50,907,612  
Early buy-out loans guaranteed by U.S. government agencies (1)
—   50,639   —   —   83,428   134,067  
Total loans, net of unearned income $ 173,977   $ 65,500   $ 92,108   $ 163,323   $ 50,546,771   $ 51,041,679  

(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 June 30, 2026:

Year of Origination Revolving Total
(In thousands) 2026 2025 2024 2023 2022 Prior Revolving to Term Loans
Loan Balances:
Commercial
Pass $ 2,152,472   $ 3,215,139   $ 2,295,924   $ 1,333,934   $ 882,274   $ 1,535,672   $ 6,090,869   $ 13,762   $ 17,520,046  
Special mention 20,169   49,588   51,607   31,485   7,196   17,440   266,708   2,570   446,763  
Substandard accrual 3,071   10,862   31,080   36,158   16,126   54,480   70,845   1,238   223,860  
Substandard nonaccrual/doubtful 1,835   4,401   14,461   9,692   32,440   26,427   1,086   300   90,642  
Total commercial, industrial and other $ 2,177,547   $ 3,279,990   $ 2,393,072   $ 1,411,269   $ 938,036   $ 1,634,019   $ 6,429,508   $ 17,870   $ 18,281,311  
Construction and development
Pass $ 128,750   $ 539,684   $ 647,848   $ 408,452   $ 518,701   $ 111,359   $ 15,325   $ —   $ 2,370,119  
Special mention —   —   38,846   68,902   99,672   1,441   —   —   208,861  
Substandard accrual —   —   —   16,044   18,996   40,786   —   —   75,826  
Substandard nonaccrual/doubtful —   —   —   —   —   859   —   —   859  
Total construction and development $ 128,750   $ 539,684   $ 686,694   $ 493,398   $ 637,369   $ 154,445   $ 15,325   $ —   $ 2,655,665  
Non-construction
Pass $ 1,276,676   $ 2,191,251   $ 1,142,845   $ 1,017,381   $ 1,500,254   $ 3,855,632   $ 191,227   $ 627   $ 11,175,893  
Special mention 89,190   10,198   2,338   27,355   53,163   73,766   —   —   256,010  
Substandard accrual —   —   21,050   44,971   49,375   51,282   —   —   166,678  
Substandard nonaccrual/doubtful —   —   —   1,299   690   14,372   —   —   16,361  
Total non-construction $ 1,365,866   $ 2,201,449   $ 1,166,233   $ 1,091,006   $ 1,603,482   $ 3,995,052   $ 191,227   $ 627   $ 11,614,942  
Home equity
Pass $ —   $ 99   $ 413   $ 191   $ 215   $ 21,567   $ 450,013   $ 4,627   $ 477,125  
Special mention —   —   9   —   96   1,144   6,538   106   7,893  
Substandard accrual —   —   10   14   100   3,666   1,700   97   5,587  
Substandard nonaccrual/doubtful —   —   —   101   110   966   —   —   1,177  
Total home equity $ —   $ 99   $ 432   $ 306   $ 521   $ 27,343   $ 458,251   $ 4,830   $ 491,782  
Residential real estate
Early buy-out loans guaranteed by U.S. government agencies $ —   $ 665   $ 10,382   $ 9,994   $ 7,590   $ 102,704   $ —   $ —   $ 131,335  
Pass 598,295   1,040,503   586,854   353,176   714,441   1,059,417   —   —   4,352,686  
Special mention 164   422   915   1,912   5,830   10,087   —   —   19,330  

16

Table of Contents

Substandard accrual —   296   230   1,013   6,012   5,880   —   —   13,431  
Substandard nonaccrual/doubtful —   824   4,241   5,268   5,362   10,215   —   —   25,910  
Total residential real estate $ 598,459   $ 1,042,710   $ 602,622   $ 371,363   $ 739,235   $ 1,188,303   $ —   $ —   $ 4,542,692  
Premium finance receivables - property and casualty
Pass $ 7,099,697   $ 1,372,618   $ 5,538   $ 2   $ 2   $ —   $ —   $ —   $ 8,477,857  
Special mention 72,227   22,195   20   —   —   —   —   —   94,442  
Substandard accrual 5,717   5,945   —   —   1   —   —   —   11,663  
Substandard nonaccrual/doubtful 5,285   22,168   607   —   1   —   —   —   28,061  
Total premium finance receivables - property and casualty $ 7,182,926   $ 1,422,926   $ 6,165   $ 2   $ 4   $ —   $ —   $ —   $ 8,612,023  
Premium finance receivables - life (1)

Pass $ 189,686   $ 718,134   $ 776,625   $ 591,784   $ 811,692   $ 6,224,600   $ —   $ —   $ 9,312,521  
Special mention —   —   —   —   —   —   —   —  
Substandard accrual —   —   —   —   —   —   —   —   —  
Substandard nonaccrual/doubtful —   —   —   —   —   —   —   —   —  
Total premium finance receivables - life $ 189,686   $ 718,134   $ 776,625   $ 591,784   $ 811,692   $ 6,224,600   $ —   $ —   $ 9,312,521  
Consumer and other
Pass $ 3,192   $ 3,608   $ 1,237   $ 1,310   $ 120   $ 45,268   $ 88,902   $ —   $ 143,637  
Special mention 12   89   10   29   77   —   11   —   228  
Substandard accrual —   14   —   6   —   8   5   —   33  
Substandard nonaccrual/doubtful —   —   6   —   —   107   —   —   113  
Total consumer and other $ 3,204   $ 3,711   $ 1,253   $ 1,345   $ 197   $ 45,383   $ 88,918   $ —   $ 144,011  
Total loans
Early buy-out loans guaranteed by U.S. government agencies $ —   $ 665   $ 10,382   $ 9,994   $ 7,590   $ 102,704   $ —   $ —   $ 131,335  
Pass 11,448,768   9,081,036   5,457,284   3,706,230   4,427,699   12,853,515   6,836,336   19,016   53,829,884  
Special mention 181,762   82,492   93,745   129,683   166,034   103,878   273,257   2,676   1,033,527  
Substandard accrual 8,788   17,117   52,370   98,206   90,610   156,102   72,550   1,335   497,078  
Substandard nonaccrual/doubtful 7,120   27,393   19,315   16,360   38,603   52,946   1,086   300   163,123  
Total loans $ 11,646,438   $ 9,208,703   $ 5,633,096   $ 3,960,473   $ 4,730,536   $ 13,269,145   $ 7,183,229   $ 23,327   $ 55,654,947  
Gross write offs
Three months ended June 30, 2026 $ 282   $ 6,546   $ 3,301   $ 3,898   $ 1,409   $ 1,846   $ —   $ —   $ 17,282  
Six months ended June 30, 2026 $ 492   $ 14,819   $ 5,354   $ 7,024   $ 5,572   $ 7,670   $ —   $ —   $ 40,931  

(1) For premium finance receivables - life, the year of origination represents when the borrower’s master loan agreement was initially established.

Held-to-maturity debt securities

The Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.

17

Table of Contents

As of June 30, 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   $ 178,542   $ 313,542  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total U.S. government agencies $ —   $ —   $ —   $ —   $ 135,000   $ 178,542   $ 313,542  
Municipal
1-4 internal grade $ —   $ —   $ —   $ 3,912   $ 1,024   $ 127,411   $ 132,347  
5-7 internal grade —   —   —   —   —   1,887   1,887  
8-10 internal grade —   —   —   —   —   —   —  
Total municipal $ —   $ —   $ —   $ 3,912   $ 1,024   $ 129,298   $ 134,234  
Mortgage-backed securities
1-4 internal grade $ —   $ —   $ —   $ 231,861   $ 451,515   $ 2,039,538   $ 2,722,914  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total mortgage-backed securities $ —   $ —   $ —   $ 231,861   $ 451,515   $ 2,039,538   $ 2,722,914  
Corporate notes
1-4 internal grade $ —   $ —   $ —   $ —   $ 4,975   $ 21,007   $ 25,982  
5-7 internal grade —   —   —   —   —   —   —  
8-10 internal grade —   —   —   —   —   —   —  
Total corporate notes $ —   $ —   $ —   $ —   $ 4,975   $ 21,007   $ 25,982  
Total held-to-maturity securities $ 3,196,672  
Less: Allowance for credit losses ( 220 )
Held-to-maturity securities, net of allowance for credit losses $ 3,196,452  

Measurement of Allowance for Credit Losses

The Company's allowance for credit losses consists of the allowance for loan losses, the allowance for unfunded commitment losses and the allowance for held-to-maturity debt security losses. In accordance with ASC 326, the Company measures the allowance for credit losses at the time of origination or purchase of a financial asset, representing an estimate of lifetime expected credit losses on the related asset. When developing its estimate, the Company considers available information relevant to assessing the collectability of cash flows, from both internal and external sources. Historical credit loss experience is one input in the estimation process as well as inputs relevant to current conditions and reasonable and supportable forecasts. In considering past events, the Company considers the relevance, or lack thereof, of historical information due to changes in such things as financial asset underwriting or collection practices, and changes in portfolio mix due to changing business plans and strategies. In considering current conditions and forecasts, the Company considers both the current economic environment and the forecasted direction of the economic environment with emphasis on those factors deemed relevant to or driving changes in expected credit losses. As significant judgment is required, the review of the appropriateness of the allowance for credit losses is performed quarterly by various committees with participation by the Company's executive management.

June 30, December 31, June 30,
(In thousands) 2026 2025 2025

Allowance for loan losses $ 402,952   $ 379,283   $ 391,654  
Allowance for unfunded lending-related commitments losses 78,017   80,922   65,409  
Allowance for loan losses and unfunded lending-related commitments losses 480,969   460,205   457,063  
Allowance for held-to-maturity securities losses 220   260   398  
Allowance for credit losses $ 481,189   $ 460,465   $ 457,461  

The allowance for credit losses is measured on a collective or pooled basis when similar risk characteristics exist, based upon the segmentation discussed above. The Company utilizes modeling methodologies that estimate lifetime credit loss rates on each pool. These methodologies include estimating the probability of default and loss given default on the commercial and commercial real estate segments, using the weighted-average remaining maturity methodology for the residential real estate, home equity, and consumer segments, and utilizing an assumption-based approach focusing on historical loss rates for the premium finance receivables segments. Historical credit loss history is adjusted for reasonable and supportable forecasts developed by the Company on a quantitative or qualitative basis and incorporates third party economic forecasts. Reasonable
18

Table of Contents

and supportable forecasts consider the macroeconomic factors that are most relevant to evaluating and predicting expected credit losses in the Company's financial assets. Currently, the Company utilizes an eight quarter forecast period using a single macroeconomic scenario provided by a third party and reviewed 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 June 30, 2026, excluding loans carried at fair value, substandard nonaccrual loans totaling $ 72.4 million in carrying balance had no related allowance for credit losses.

The Company does not measure an allowance for credit losses on accrued interest receivable balances because these balances are written off in a timely manner as a reduction to interest income when assets are placed on nonaccrual status.

Loan portfolios

A summary of activity in the allowance for credit losses, specifically for the loan portfolio (i.e. allowance for loan losses and allowance for unfunded commitment losses), for the three and six months ended June 30, 2026 and June 30, 2025 is as follows:

Three months ended June 30, 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 $ 210,959   $ 224,870   $ 10,213   $ 13,081   $ 11,391   $ 820   $ 471,334  

Other adjustments —   —   —   —   ( 90 ) —   ( 90 )
Charge-offs ( 10,837 ) ( 707 ) —   ( 163 ) ( 5,403 ) ( 172 ) ( 17,282 )
Recoveries 1,710   5   16   1   2,076   28   3,836  
Provision for credit losses 32,977   ( 14,220 ) ( 225 ) 338   3,978   323   23,171  

Allowance for credit losses at period end $ 234,809   $ 209,948   $ 10,004   $ 13,257   $ 11,952   $ 999   $ 480,969  
By measurement method:
Individually measured $ 29,418   $ 2,111   $ —   $ 119   $ —   $ 6   $ 31,654  
Collectively measured 205,391   207,837   10,004   13,138   11,952   993   449,315  

Loans at period end
Individually measured $ 90,642   $ 17,220   $ 1,177   $ 25,803   $ —   $ 113   $ 134,955  
Collectively measured 18,190,669   14,253,387   490,605   4,379,216   17,924,544   143,898   55,382,319  

Loans held at fair value —   —   —   137,673   —   —   137,673  

19

Table of Contents

Three months ended June 30, 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 $ 201,183   $ 210,010   $ 9,139   $ 10,652   $ 16,039   $ 918   $ 447,941  

Other adjustments —   —   —   —   180   —   180  

Charge-offs ( 6,148 ) ( 5,711 ) ( 111 ) —   ( 6,346 ) ( 179 ) ( 18,495 )
Recoveries 1,746   10   30   2   3,335   32   5,155  
Provision for credit losses ( 2,213 ) 20,049   163   801   3,404   78   22,282  

Allowance for credit losses at period end $ 194,568   $ 224,358   $ 9,221   $ 11,455   $ 16,612   $ 849   $ 457,063  
By measurement method:
Individually measured $ 35,129   $ 8,127   $ —   $ 103   $ —   $ 4   $ 43,363  
Collectively measured 159,439   216,231   9,221   11,352   16,612   845   413,700  

Loans at period end
Individually measured $ 80,877   $ 32,828   $ 1,780   $ 27,960   $ —   $ 41   $ 143,486  
Collectively measured 16,306,554   13,259,182   465,035   3,783,938   16,830,136   116,464   50,761,309  

Loans held at fair value —   —   —   136,884   —   —   136,884  

Six months ended June 30, 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 —   —   —   —   ( 140 ) —   ( 140 )
Charge-offs ( 19,265 ) ( 7,967 ) —   ( 513 ) ( 12,834 ) ( 352 ) ( 40,931 )
Recoveries 3,129   11   319   2   5,513   93   9,067  
Provision for credit losses 72,400   ( 29,029 ) ( 717 ) 1,249   8,402   463   52,768  

Allowance for credit losses at period end $ 234,809   $ 209,948   $ 10,004   $ 13,257   $ 11,952   $ 999   $ 480,969  

Six months ended June 30, 2025 Commercial Real Estate Home  Equity Residential Real Estate Premium Finance Receivables Consumer and Other Total Loans
(In thousands) Commercial

Allowance for credit losses at beginning of period $ 175,837   $ 222,856   $ 8,943   $ 10,335   $ 17,820   $ 812   $ 436,603  

Other adjustments —   —   —   —   184   —   184  
Charge-offs ( 15,870 ) ( 6,165 ) ( 111 ) —   ( 13,472 ) ( 326 ) ( 35,944 )
Recoveries 2,675   22   246   138   6,822   61   9,964  
Provision for credit losses 31,926   7,645   143   982   5,258   302   46,256  
Allowance for credit losses at period end $ 194,568   $ 224,358   $ 9,221   $ 11,455   $ 16,612   $ 849   $ 457,063  

For the three and six months ended June 30, 2026, the Company recognized approximately $ 23.2 million and $ 52.8 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, growth across various segments, and qualitative overlays related to the uncertainty of future performance of the economy, which was offset by an improved forecast related to CRE Price Index. Net charge-offs in the three and six month periods ended June 30, 2026, totaled $ 13.4 million and $ 31.9 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 and six month periods ended June 30, 2026, the Company recognized approximately $( 37,000 ) and $( 40,000 ), respectively, of provision for credit losses related to held-to-maturity securities. At June 30, 2026, the Company did not identify any held-to-maturity debt securities within its portfolio that would require a charge-off.

20

Table of Contents

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 June 30, 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 $ 59.3 million and $ 58.2 million at June 30, 2026 and 2025, respectively.

The tables below present a summary of the period-end balance of loans to borrowers experiencing financial difficulties during the three and six months ended June 30, 2026 and 2025:

Three Months Ended
June 30, 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 $ 4,971 0.1   % $ 3,977   $ —   $ —   $ 964   $ 30  

Commercial real estate

Non-construction 2,666 0.0   1,950   —   —   716   —  

Residential real estate 701 0.0   391   —   —   254   56  
Premium finance receivables—property & casualty 11 0.0   —   11   —   —   —  
Total loans $ 8,349 0.0   % $ 6,318   $ 11   $ —   $ 1,934   $ 86  

Weighted Average Magnitude of Modifications:
 Three Months Ended June 30, 2026
 (Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 4,971   12 234   42

Commercial real estate

Non-construction 2,666   14 —   37

Residential real estate 701   70 288   184
Premium finance receivables—property & casualty 11   —   66   —  
Total loans $ 8,349   18 240   58

21

Table of Contents

Three Months Ended
June 30, 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 $ 35 0.0   % $ —   $ 11   $ —   $ —   $ 24  

Residential real estate 282 0.0   —   282   —   —   —  

Premium finance receivables—property & casualty 885 0.0   885   —   —   —   —  
Total loans $ 1,202 0.0   % $ 885   $ 293   $ —   $ —   $ 24  

Weighted Average Magnitude of Modifications:
Three Months Ended June 30, 2025
(Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 35   51 72   — 

Residential real estate 282   —  123   —

Premium finance receivables—property & casualty 885   12 —   —
Total loans $ 1,202   13 117   — 

Six Months Ended
June 30, 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 $ 22,329   0.3   % $ 6,607   $ 36   $ —   $ 15,639   $ 47  
Commercial real estate
Construction and development 594   0.0   594   —   —   —   —  
Non-construction 11,617   0.1   10,901   —   —   716   —  

Residential real estate 701   0.0   391   —   —   254   56  

Premium finance receivables—property & casualty 11   0.0   —   11   —   —   —  
Total loans $ 35,252   0.1   % $ 18,493   $ 47   $ —   $ 16,609   $ 103  

Weighted Average Magnitude of Modifications:
Six Months Ended June 30, 2026
(Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 22,329   28 244   37
Commercial real estate
Construction and development 594   11 —   37
Non-construction 11,617   5 —   —  

Residential real estate 701   70 288   184
Premium finance receivables—property & casualty 11   —   66   —  
Total loans $ 35,252   21 246   39

22

Table of Contents

Six Months Ended
June 30, 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 $ 12,732   0.2   % $ 12,465   $ 11   $ 31   $ —   $ 225  

Residential real estate 1,144   0.0   162   282   —   —   700  

Premium finance receivables—property & casualty 885   0.0   885   —   —   —   —  
Total loans $ 14,761   0.0   % $ 13,512   $ 293   $ 31   $ —   $ 925  

Weighted Average Magnitude of Modifications:
Six months ended June 30, 2025
(Dollars in thousands)
Total Duration of Extension of Term (months) Reduction of 
Interest
Rate (bps) Duration of Delay in Contractual Payments (months)

Commercial $ 12,732   10 50 — 

Residential real estate 1,144   48 152 — 

Premium finance receivables—property & casualty 885   12 —   — 
Total loans $ 14,761   12 $ 138   —