WINTRUST FINANCIAL CORP

Wintrust Financial Corporation (NASDAQ: WTFC) is a financial holding company providing community-oriented banking, specialty finance, and wealth management services primarily throughout the Chicago metropolitan area, southern Wisconsin, northwest Indiana, and west Michigan. The company operates through sixteen wholly-owned national banks with 209 banking locations as of December 31, 2025, serving individuals, small to mid-sized businesses, local governmental units, and institutional clients. Visit wintrust.com for more information.

The company's community banking segment, representing approximately 74.7 percent of consolidated net revenues, delivers personal and commercial banking services through its bank subsidiaries, including residential mortgage origination through Wintrust Mortgage and specialized lending products such as community association lending, mortgage warehouse financing, franchise lending, and SBA lending. The specialty finance segment, contributing 18.4 percent of revenues, offers insurance premium financing for property and casualty and life insurance policies on a national basis through FIRST Insurance Funding and Wintrust Life Finance, equipment financing and leasing through Wintrust Asset Finance, and accounts receivable financing through Tricom. The wealth management segment, accounting for 6.9 percent of revenues, provides trust and investment services, asset management solutions, and securities brokerage services through four subsidiaries with approximately $46.5 billion in assets under administration.

Wintrust maintains approximately $71.1 billion in total assets as of December 31, 2025, and operates a multi-chartered banking structure that differentiates it from competitors through expanded FDIC insurance coverage via its MaxSafe deposit accounts and localized decision-making. The company's strategy emphasizes growing earnings assets, diversifying its loan and deposit portfolios, investing in technology infrastructure, and maintaining cost discipline to create operating leverage. The company has built its franchise through a combination of de novo bank organizations and strategic acquisitions, beginning with the founding of Lake Forest Bank in December 1991 to serve the Lake Forest and Lake Bluff communities. This multi-bank approach enables Wintrust to combine specialized expertise in commercial and industrial lending with personalized community banking services while competing effectively against both larger national institutions and smaller regional competitors.