Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 146

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 2
Chunk 146
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iliated banks.

58

Maturities and Sensitivities of Loans to Changes in Interest Rates

The following table classifies the loan portfolio at March 31, 2025 by date at which the loans reprice or mature, and the type of rate exposure:

As of March 31, 2025One year or lessFrom one to five yearsFrom five to fifteen yearsAfter fifteen years(In thousands)TotalCommercialFixed rate$405,736 $3,600,171 $2,122,563 $20,444 $6,148,914 Variable rate9,781,709 703 — — 9,782,412 Total commercial$10,187,445 $3,600,874 $2,122,563 $20,444 $15,931,326 Commercial real estateFixed rate$658,413 $2,762,221 $365,181 $63,593 $3,849,408 Variable rate9,054,583 10,843 67 — 9,065,493 Total commercial real estate$9,712,996 $2,773,064 $365,248 $63,593 $12,914,901 Home equityFixed rate$8,881 $838 $— $17 $9,736 Variable rate445,947 — — — 445,947 Total home equity$454,828 $838 $— $17 $455,683 Residential real estateFixed rate$13,336 $4,473 $74,883 $1,055,143 $1,147,835 Variable rate97,815 623,879 1,815,630 — 2,537,324 Total residential real estate$111,151 $628,352 $1,890,513 $1,055,143 $3,685,159 Premium finance receivables - property & casualtyFixed rate$7,135,963 $103,899 $— $— $7,239,862 Variable rate— — — — — Total premium finance receivables - property & casualty$7,135,963 $103,899 $— $— $7,239,862 Premium finance receivables - life insuranceFixed rate