Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 130

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 130
---
30,2025September 30,2024Residential real estate$— $— $— Commercial real estate24,832 23,615 13,682 Total$24,832 $23,615 $13,682 

Deposits

Total deposits at September 30, 2025 were $56.7 billion, an increase of $5.3 billion, or 10%, compared to total deposits at September 30, 2024. See Note (10) “Deposits” to the Consolidated Financial Statements in Item 1 of this report for a summary of period end deposit balances.

The following table sets forth, by category, the maturity of time certificates of deposit as of September 30, 2025:

Time Certificates of DepositMaturity/Re-pricing AnalysisAs of September 30, 2025(Dollars in thousands)Total TimeCertificates ofDepositsWeighted-AverageRate of MaturingTime Certificatesof Deposit1-3 months$4,450,481 3.83 %4-6 months3,165,121 3.72 7-9 months1,489,181 3.64 10-12 months973,156 3.79 13-18 months196,146 3.13 19-24 months79,669 3.00 24+ months64,702 3.00 Total$10,418,456 3.74 %

72

Table of Contents

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

Three Months EndedSeptember 30, 2025June 30, 2025September 30, 2024(Dollars in thousands)BalancePercentBalancePercentBalancePercentNon-interest-bearing$10,791,709 19 %$10,643,798 20 %$10,271,613 21 %NOW and interest-bearing demand deposits6,687,292 12 6,423,050 12 5,174,673 11 Wealth management deposits1,604,142 3 1,552,989 3 1,362,747 3 Money market19,431,021 35 18,184,754 34 16,436,111 34 Savings6,723,325 12 6,578