Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 121

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 121
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000 Other U.S. Treasury tenors191,629 Other136,529 Total variable rate$31,759,551 

(1)Excludes cash flow hedges with future effective starting dates.

(2)   SOFR - Secured Overnight Financing Rate.

(3)   CMT - Constant Maturity Treasury Rate.

66

Table of Contents

CREDIT QUALITY

Commercial and Commercial Real Estate Loan Portfolios

Our commercial and commercial real estate loan portfolios are comprised primarily of lines of credit for working capital purposes and commercial real estate loans. The table below sets forth information regarding the types and amounts of our loans within these portfolios as of September 30, 2025 and 2024:

As of September 30, 2025As of September 30, 2024AllowanceAllowance% ofFor Credit% ofFor CreditTotalLossesTotalLosses(Dollars in thousands)BalanceBalanceAllocationBalanceBalanceAllocationCommercial$16,544,342 54.8 %$189,476 $15,247,693 54.4 %$171,598 Commercial Real Estate:Construction and development$2,658,153 8.8 %$78,765 $2,403,690 8.6 %$97,949 Non-construction10,961,054 36.4 %151,712 10,389,727 37.0 133,195 Total commercial real estate$13,619,207 45.2 %$230,477 $12,793,417 45.6 %$231,144 Total commercial and commercial real estate$30,163,549 100.0 %$419,953 $28,041,110 100.0 %$402,742 Commercial real estate - primary collateral location by state:Illinois$7,096,808 52.1 %$7,154,012 55.9 %Wisconsin893,812 6.6 868,844 6.8 Michigan875,395 6.4 854,189 6.7 Total primary markets$8,866,015 65.1 %$8,877,045 69.4 %Florida486,728 3.6 423,517 3.3 Indiana464,808 3.4 445,417 3.5