Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 189

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 189
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 410,331 Junior subordinated debentures253,566 253,566 253,566 Total other funding sources$4,296,931 $4,285,320 $4,348,079 

See Note (11) “FHLB Advances, Other Borrowings and Subordinated Notes” and Note (12) “Junior Subordinated Debentures” of the Consolidated Financial Statements presented under Item 1 of this report for details of period end balances and other information for these various funding sources. The Company hereby incorporates by reference Note (11) and Note (12) of the Consolidated Financial Statements presented under Item 1 of this report in its entirety. 

Shareholders’ Equity

The following tables reflect various consolidated measures of capital as of the dates presented and the capital guidelines established for a bank holding company:

June 30,    2025 (2)March 31,2025June 30,2024Tier 1 leverage ratio10.2 %9.6 %9.3 %Risk-based capital ratios:Tier 1 capital ratio11.5 10.8 10.3 Common equity tier 1 capital ratio10.0 10.1 9.5 Total capital ratio13.0 12.5 12.1 Other ratio:Total average equity-to-total average assets (1)10.4 10.1 9.5 

(1)Based on quarterly average balances.

(2)June 30, 2025 capital ratios impacted by issuance of Preferred Stock Series F.

MinimumCapitalRequirementsMinimum Ratio + Capital Conservation Buffer (1)Minimum WellCapitalized (2)Tier 1 leverage ratio4.0 %N/AN/ARisk-based capital ratios:Tier 1 capital ratio6.0 8.5 6.0 Common equity tier 1 capital ratio4.5 7.0 N/ATotal capital ratio8.0 10.5 10.0 

(1)Reflects the Capital Conservation Buffer of 2.5%.

(2)Reflects the well-capitalized standard applicable to the Company for purposes of the Federal Reserve’s Regulation Y. The Federal Reserve has not yet revised the well-capitalized standard for bank holding companies (“BHCs”) to reflect the higher capital requirements imposed under the U.S. Basel III Rule or to add Common Equity Tier 1 capital ratio and Tier 1 leverage ratio requirements