Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 179

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 2
Chunk 179
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 (1)$49,597,938 80 %$43,963,779 80 %Liquidity management assets (2)12,516,056 20 10,246,473 19 Other earning assets (3)4,332 0 15,966 0 Total average earning assets$62,415,894 100 %$54,564,279 100 %Total average assets$66,098,845 $58,014,347 Total average earning assets to total average assets94 %94 %

(1)Total average loans includes nonaccrual loans.

(2)Liquidity management assets include investment securities, other securities, interest earning deposits with banks, federal funds sold and securities purchased under resale agreements.

(3)Other earning assets include brokerage customer receivables and trading account securities.

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Table of Contents

Maturities and Sensitivities of Loans to Changes in Interest Rates

The following table classifies the loan portfolio at September 30, 2025 by date at which the loans reprice or mature, and the type of rate exposure:

As of September 30, 2025One year or lessFrom one to five yearsFrom five to fifteen yearsAfter fifteen years(In thousands)TotalCommercialFixed rate$465,635 $3,851,843 $2,154,642 $17,113 $6,489,233 Variable rate10,054,366 743 — — 10,055,109 Total commercial$10,520,001 $3,852,586 $2,154,642 $17,113 $16,544,342 Commercial real estateFixed rate$771,993 $2,629,379 $358,703 $68,729 $3,828,804 Variable rate9,779,638 10,700 65 — 9,790,403 Total commercial real estate$10,551,631 $2,640,079 $358,768 $68,729 $13,619,207 Home equityFixed rate$9,470 $464 $— $13 $9,947 Variable rate474,255 — — — 474,255 Total home equity$483,725 $464 $— $13 $484,202 Residential real estate