Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 133

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 133
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6 %Risk-based capital ratios:Tier 1 capital ratio10.9 11.5 10.6 Common equity tier 1 capital ratio10.2 10.0 9.8 Total capital ratio12.4 13.0 12.2 Other ratio:Total average equity-to-total average assets (1)10.2 10.4 9.8 

(1)Based on quarterly average balances.

(2)September 30, 2025 capital ratios impacted by redemption  of Preferred Stock Series D and Preferred Stock Series E.

(3)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 to this standard. As a result, the Common Equity Tier 1 capital ratio and Tier 1 leverage ratio are denoted as “N/A” in this column. If the Federal Reserve were to apply the same or a very similar well-capitalized 

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standard to BHCs as the standard applicable to our subsidiary banks, we believe the Company’s capital ratios as of September 30, 2025 would exceed such revised well-capitalized standard.

The Company’s principal sources of funds at the holding company level are dividends from its subsidiaries, borrowings under its loan agreement with unaffiliated banks and proceeds from the issuances of subordinated debt and additional equity. Refer to Notes (11) and (12) of the Consolidated Financial Statements in Item 1 for further information on these various funding sources. See Note (23) “Shareholders’ Equity” of the Consolidated Financial Statements presented under Item