Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 127

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 127
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 for each loan category and the total loan portfolio.

71

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 EndedSix Months Ended(In thousands)June 30,2025June 30,2024June 30,    2025June 30,2024Balance at beginning of period$22,625 $14,538 $23,116 $13,309 Disposal/resolved— (1,752)— (1,752)Transfers in at fair value, less costs to sell1,315 6,945 1,315 8,381 Fair value adjustments(325)— (816)(207)Balance at end of period$23,615 $19,731 $23,615 $19,731 Period End(In thousands)June 30,2025March 31,2025June 30,2024Residential real estate$— $— $161 Commercial real estate23,615 22,625 19,570 Total$23,615 $22,625 $19,731 

Deposits

Total deposits at June 30, 2025 were $55.8 billion, an increase of $7.8 billion, or 16%, compared to total deposits at June 30, 2024. See Note (10) “Deposits” to the Consolidated Financial Statements in Item 1 of this report for a summary of period end deposit balances.

The following table sets forth, by category, the maturity of time certificates of deposit as of June 30, 2025:

Time Certificates of DepositMaturity/Re-pricing AnalysisAs of June 30, 2025(Dollars in thousands)Total TimeCertificates ofDepositsWeighted-AverageRate of MaturingTime Certificatesof Deposit1-3 months$2,486,694 3.92 %4-6 months4,464,126 3.80 7-9 months2,187,365 3.74 10-12 months771,114