Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 27

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 27
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 quality indicators, specifically the Company's internal risk rating systems, reflect how the Company monitors credit losses and represents factors used by the Company when measuring the allowance for credit losses. Descriptions of the Company’s credit quality indicators by financial asset are included in Note (5) “Allowance for Credit Losses” of the 2024 Form 10-K.

The table below shows the Company’s loan portfolio by credit quality indicator and year of origination at September 30, 2025:Year of OriginationRevolvingTotal(In thousands)20252024202320222021PriorRevolvingto TermLoansLoan Balances:CommercialPass$2,829,487 $2,846,915 $1,744,488 $1,266,672 $831,328 $1,108,613 $5,310,722 $40,053 $15,978,278 Special mention11,668 41,624 46,403 18,943 31,703 38,400 128,153 360 317,254 Substandard accrual2,436 16,847 26,199 39,289 35,639 22,204 38,008 1,611 182,233 Substandard nonaccrual/doubtful951 4,454 7,778 36,977 10,359 3,906 900 1,252 66,577 Total commercial, industrial and other$2,844,542 $2,909,840 $1,824,868 $1,361,881 $909,029 $1,173,123 $5,477,783 $43,276 $16,544,342 Construction and developmentPass$207,055 $736,531 $619,287 $604,281 $73,736 $107,992 $15,039 $894 $2,364,815 Special mention— — 29,645 194,759 17,908 15,800 — — 258,112 Substandard accrual— — 12,656 — — 15,445 3,898 — 31,999 Substandard nonaccrual/doubtful— — 1,001 1,321 — 905 — — 3