Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 22

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 22
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820 Less: Allowance for credit losses(395)(457)(479)Held-to-maturity securities, net of allowance for credit losses$3,438,406 $3,613,263 $3,677,420 Securities having a carrying value of $8.0 billion at September 30, 2025 as well as securities having a carrying value of $6.9 billion and $7.2 billion at December 31, 2024 and September 30, 2024, respectively, were pledged as collateral for public deposits, trust deposits, Federal Home Loan Bank (“FHLB”) advances, Federal Reserve Bank (“FRB”) discount window, securities sold under repurchase agreements and derivatives. At September 30, 2025, there were no securities of a single issuer, other than U.S. government-sponsored agency securities, which exceeded 10% of shareholders’ equity.

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Table of Contents

(6) Loans

The following table shows the Company’s loan portfolio by category as of the dates shown:September 30,December 31,September 30,(Dollars in thousands)202520242024Balance:Commercial$16,544,342 $15,574,551 $15,247,693 Commercial real estate13,619,207 12,903,944 12,793,417 Home equity484,202 445,028 427,043 Residential real estate4,143,870 3,612,765 3,388,038 Premium finance receivables—property & casualty8,366,292 7,272,042 7,131,681 Premium finance receivables—life insurance8,758,553 8,147,145 7,996,899 Consumer and other147,016 99,562 82,676     Total loans, net of unearned income$52,063,482 $48,055,037 $47,067,447 Mix:Commercial32 %32 %33 %Commercial real estate26 27 27 Home equity1 1 1 Residential real estate8 8 7 Premium finance receivables—property & casualty16 15 15 Premium finance receivables—life insurance17 17 17 Consumer and other0 0 0 Total loans, net of unearned income100 %100 %100 %The