Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 117

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 117
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 of Loans to Changes in Interest Rates

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

As of June 30, 2025One year or lessFrom one to five yearsFrom five to fifteen yearsAfter fifteen years(In thousands)TotalCommercialFixed rate$429,173 $3,756,650 $2,117,493 $14,925 $6,318,241 Variable rate10,068,079 1,111 — — 10,069,190 Total commercial$10,497,252 $3,757,761 $2,117,493 $14,925 $16,387,431 Commercial real estateFixed rate$712,348 $2,732,428 $369,615 $70,471 $3,884,862 Variable rate9,396,306 10,775 67 — 9,407,148 Total commercial real estate$10,108,654 $2,743,203 $369,682 $70,471 $13,292,010 Home equityFixed rate$9,626 $773 $— $15 $10,414 Variable rate456,401 — — — 456,401 Total home equity$466,027 $773 $— $15 $466,815 Residential real estateFixed rate$15,271 $4,318 $72,630 $1,056,508 $1,148,727 Variable rate108,431 699,875 1,991,749 — 2,800,055 Total residential real estate$123,702 $704,193 $2,064,379 $1,056,508 $3,948,782 Premium finance receivables - property & casualtyFixed rate$8,220,850 $102,326 $— $— $8,323,176 Variable rate— — — — — Total premium finance receivables - property & casualty$8,220,850 $102,326 $— $— $8,323,176 Premium finance receivables - life insuranceFixed rate$319,732 $169,958