Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 129

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 129
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Home equity(0.06)(0.10)(0.06)(0.03)Residential real estate0.00 0.00 (0.00)0.00 Premium finance receivables - property & casualty0.20 0.24 0.19 0.30 Premium finance receivables - life insurance0.00 0.00 0.00 (0.00)Consumer and other0.40 0.63 0.43 0.54 Total loans, net of unearned income0.19 %0.23 %0.14 %0.24 %Loans at period-end$52,063,482 $47,067,447 Allowance for loan losses as a percentage of loans at period end0.74 %0.77 %Allowance for loan and unfunded loan-related commitment losses as a percentage of loans at period end0.87 0.93 

See Note (7) “Allowance for Credit Losses” of the Consolidated Financial Statements presented under Item 1 of this report for further discussion of activity within the allowance for credit losses during the period and the relationship with respective loan balances for each loan category and the total loan portfolio.

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Table of Contents

Other Real Estate Owned

In certain circumstances, the Company is required to take action against the real estate collateral of specific loans. The Company uses foreclosure only as a last resort for dealing with borrowers experiencing financial hardships. The Company employs extensive contact and restructuring procedures to attempt to find other solutions for our borrowers. The tables below present a summary of other real estate owned and show the activity for the respective periods and the balance for each property type:

Three Months EndedNine Months Ended(In thousands)September 30,2025September 30,2024September 30,    2025September 30,2024Balance at beginning of period$23,615 $19,731 $23,116 $13,309 Disposal/resolved— (9,729)— (11,481)Transfers in at fair value, less costs to sell1,217 3,680 2,532 12,061 Fair value adjustments— — (816)(207)Balance at end of period$24,832 $13,682 $24,832 $13,682 Period End(In thousands)September 30,2025June