Company: WTFCN
Filing Date: 2025-02-28
Form Type: 10-K
Source: 0001015328-25-000093
Chunk: 129

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-02-28
Form: 10-K
Item: Item 8
Chunk 129
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6 138,594 6.5 221,548 10.7 134,942 6.5 Town Bank366,265 10.8 221,105 6.5 334,086 11.1 195,926 6.5 Wheaton Bank323,221 10.6 197,602 6.5 296,134 10.8 178,762 6.5 State Bank of the Lakes203,972 11.0 120,206 6.5 189,197 11.5 107,392 6.5 Old Plank Trail Bank255,788 10.6 157,015 6.5 227,759 10.7 137,968 6.5 St. Charles Bank270,446 10.4 168,750 6.5 233,651 10.7 141,962 6.5 

146

December 31, 2024December 31, 2023 ActualTo Be WellCapitalized byRegulatory DefinitionActualTo Be WellCapitalized byRegulatory Definition (Dollars in thousands)AmountRatioAmountRatioAmountRatioAmountRatioTier 1 Leverage Ratio:Lake Forest Bank$807,848 9.7 %$416,233 5.0 %$804,011 9.9 %$404,942 5.0 %Hinsdale Bank512,323 9.6 266,427 5.0 447,075 9.4 238,724 5.0 Wintrust Bank1,069,171 11.1 479,667 5.0 1,009,631 10.8 467,712 5.0 Libertyville Bank258,709 9.5 136,451 5.0 253,576 9.7 130,396 5.0 Barrington Bank453,022 10.7 212,429 5.0 416,070 10.8 192,589 5.0 Crystal Lake Bank176,144 9.8 89,519 5.0 170,670 10.0 85,280 5.0 Northbrook Bank473,065 9.2 256,737 5.0 441