Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 116

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 116
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.8 billion, or 9%, when compared to September 30, 2024 and an increase of approximately $646.3 million, or 4% on an annualized basis, when compared to June 30, 2025. Total funding, which includes deposits, all notes and advances, including secured borrowings and the junior subordinated debentures, was $61.0 billion at September 30, 2025, $60.1 billion at June 30, 2025, and $55.8 billion at September 30, 2024. See Notes (5), (6), (10), (11) and (12) of the Consolidated Financial Statements presented under Item 1 of this report for additional period-end detail on the Company’s interest-earning assets and funding liabilities.

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Table of Contents

Interest-Earning Assets

The following table sets forth, by category, the composition of average earning asset balances and the relative percentage of total average earning assets for the periods presented:

Three Months EndedSeptember 30, 2025June 30, 2025September 30, 2024(Dollars in thousands)BalancePercentBalancePercentBalancePercentMortgage loans held-for-sale$295,365 0 %$310,534 0 %$376,251 1 %Loans, net of unearned incomeCommercial$16,239,631 25 %$15,909,323 26 %$14,544,139 25 %Commercial real estate13,415,933 21 13,095,845 21 12,502,355 22 Home equity475,046 1 459,033 1 402,868 1 Residential real estate 3,974,900 6 3,700,917 6 3,171,131 6 Premium finance receivables—property & casualty8,524,414 13 7,762,161 12 7,218,294 13 Premium finance receivables—life insurance8,638,561 13 8,455,443 14 7,997,721 14 Other loans135,081 1 134,913 0 84,078 0 Total average loans (1)$51,403,566 80 %$49,517,635 80 %$45,920,586 81 %L