Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 20

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 20
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Due in one to five years99,929 98,644 110,897 108,056 114,457 109,845 Due in five to ten years91,099 86,363 71,846 70,277 85,507 82,499 Due after ten years302,699 240,268 329,734 258,379 351,737 278,727 Mortgage-backed2,978,760 2,414,321 3,082,314 2,455,180 3,196,358 2,581,183 Total held-to-maturity securities$3,502,584 $2,869,415 $3,613,720 $2,910,550 $3,756,415 $3,060,467 Less: Allowance for credit losses(398)(457)(491)Held-to-maturity securities, net of allowance for credit losses$3,502,186 $3,613,263 $3,755,924 Securities having a carrying value of $7.3 billion at June 30, 2025 as well as securities having a carrying value of $6.9 billion and $7.6 billion at December 31, 2024 and June 30, 2024, respectively, were pledged as collateral for public deposits, trust deposits, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) discount window, securities sold under repurchase agreements and derivatives. At June 30, 2025, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity.

12

(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)202520242024Balance:Commercial$16,387,431 $15,574,551 $14,154,462 Commercial real estate13,292,010 12,903,944 11,947,197 Home equity466,815 445,028 356,313 Residential real estate3,948,782 3,612,765 3,067,335 Premium finance receivables—property & casualty8,323,176 7,272,042 7,