Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 186

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 186
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 real estate collateral of specific loans. The Company uses foreclosure only as a last resort for dealing with borrowers experiencing financial hardships. The Company employs extensive contact and restructuring procedures to attempt to find other solutions for our borrowers. The tables below present a summary of other real estate owned and show the activity for the respective periods and the balance for each property type:

Three Months EndedSix Months Ended(In thousands)June 30,2025June 30,2024June 30,    2025June 30,2024Balance at beginning of period$22,625 $14,538 $23,116 $13,309 Disposal/resolved— (1,752)— (1,752)Transfers in at fair value, less costs to sell1,315 6,945 1,315 8,381 Fair value adjustments(325)— (816)(207)Balance at end of period$23,615 $19,731 $23,615 $19,731 Period End(In thousands)June 30,2025March 31,2025June 30,2024Residential real estate$— $— $161 Commercial real estate23,615 22,625 19,570 Total$23,615 $22,625 $19,731 

Deposits

Total deposits at June 30, 2025 were $55.8 billion, an increase of $7.8 billion, or 16%, compared to total deposits at June 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 June 30, 2025:

Time Certificates of DepositMaturity/Re-pricing AnalysisAs of June 30, 2025(Dollars in thousands)Total TimeCertificates ofDepositsWeighted-AverageRate of MaturingTime Certificatesof Deposit1-3 months$2,486,694 3.92 %4-6 months4,464,126 3.80 7-9 months2,187,365 3.74 10-12 months771,114 3.64 13-18 months262,094 3.41 19-24 months99,689 2.92 24