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

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 25
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Total loans, net of unearned income, excluding early buy-out loans$151,399 $22,852 $59,416 $139,768 $44,167,918 $44,541,353 Early buy-out loans guaranteed by U.S. government agencies (1)— 45,788 — — 88,390 134,178 Total loans, net of unearned income$151,399 $68,640 $59,416 $139,768 $44,256,308 $44,675,531 (1)Early buy-out loans are insured or guaranteed by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs, subject to indemnifications and insurance limits for certain loans. 

Credit Quality IndicatorsCredit 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 June 30, 2025:Year of OriginationRevolvingTotal(In thousands)20252024202320222021PriorRevolvingto TermLoansLoan Balances:CommercialPass$1,861,744 $2,991,867 $1,892,313 $1,365,222 $976,723 $1,209,968 $5,460,274 $22,740 $15,780,851 Special mention855 31,875 46,077 46,868 19,606 6,020 143,556 2,333 297,190 Substandard accrual2,331 16,092 27,411 58,712 41,344 15,366 65,095 2,162 228,513 Substandard nonaccrual/doubtful191 2,562 6,865 22,892 23,196 4,910 19,917 344 80,877 Total commercial, industrial and other$1,865,121 $3,042,396 $1,972,666 $1,493,694 $1,