Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 125

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 125
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 agreement represent 99.2% of the total home equity portfolio. Residential real estate loans, excluding early buy-out loans guaranteed by U.S. government agencies, at September 30, 2025 that were current with regards to the contractual terms of the loan agreements comprise 99.1% of total residential real estate loans outstanding. For more information regarding delinquent loans as of September 30, 2025, see Note (7) “Allowance for Credit Losses” in Item 1 of this report. 

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Table of Contents

Non-performing Assets (1)

The following table sets forth the Company's non-performing assets performing under the contractual terms of the loan agreement as of the dates shown. 

(Dollars in thousands)September 30,2025June 30,2025September 30,2024Loans past due greater than 90 days and still accruing:Commercial$— $— $20 Commercial real estate— — 225 Home equity— — — Residential real estate— — — Premium finance receivables—property and casualty13,006 14,350 18,235 Premium finance receivables—life insurance— 327 — Consumer and other60 184 148 Total loans past due greater than 90 days and still accruing13,066 14,861 18,628 Nonaccrual loans:Commercial66,577 80,877 63,826 Commercial real estate28,202 32,828 42,071 Home equity1,295 1,780 1,122 Residential real estate28,942 28,047 17,959 Premium finance receivables—property and casualty24,512 30,404 36,079 Premium finance receivables—life insurance— — — Consumer and other38 41 2 Total nonaccrual loans149,566 173,977 161,059 Total non-performing loans:Commercial66,577 80,877 63,846 Commercial real estate28,202 32,828 42,296 Home equity1,295 1,780 1,122 Residential real estate28,942 28,047 17,959 Premium finance receivables—property and casualty37,518 44,754 54,314 Premium finance receivables—life insurance—