Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 177

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 2
Chunk 177
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,270 Total premium finance receivables - life insurance$8,333,002 $169,958 $4,000 $— $8,506,960 Consumer and otherFixed rate$36,771 $8,483 $1,070 $859 $47,183 Variable rate69,322 — — — 69,322 Total consumer and other$106,093 $8,483 $1,070 $859 $116,505 Total per categoryFixed rate$9,743,771 $6,774,936 $2,564,808 $1,142,778 $20,226,293 Variable rate28,111,809 711,761 1,991,816 — 30,815,386 Total loans, net of unearned income$37,855,580 $7,486,697 $4,556,624 $1,142,778 $51,041,679 Less: Existing cash flow hedging derivatives (1)(6,700,000)Total loans repricing or maturing in one year or less, adjusted for cash flow hedging activity$31,155,580 Variable Rate Loan Pricing by Index:SOFR tenors (2)$19,459,501 12- month CMT (3)6,906,397 Prime3,243,035 Fed Funds786,924 Other U.S. Treasury tenors187,736 Other231,793 Total variable rate$30,815,386 

(1)Excludes cash flow hedges with future effective starting dates.

(2)   SOFR - Secured Overnight Financing Rate.

(3)   CMT - Constant Maturity Treasury Rate.

66

CREDIT QUALITY

Commercial and Commercial Real Estate Loan Portfolios

Our commercial and commercial real estate loan portfolios are comprised primarily of lines of credit for working capital purposes and commercial real estate loans. The table below sets forth information regarding the types and amounts of our loans within these portfolios as of June 30, 2025 and 2024:

As of June 30, 2025As of June 30, 2024AllowanceAllowance% ofFor Credit% ofFor CreditTotalLossesTotalLosses(Dollars in thousands)BalanceBalanceAllocationBalanceBalanceAllocationCommercial$16,387,431 55.2 %$