Company: WTFCN
Filing Date: 2025-08-06
Form Type: 10-Q
Source: 0001015328-25-000188
Chunk: 114

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-08-06
Form: 10-Q
Item: Item 1
Chunk 114
---
arning Assets

The following table sets forth, by category, the composition of average earning asset balances and the relative percentage of total average earning assets for the periods presented:

Three Months EndedJune 30, 2025March 31, 2025June 30, 2024(Dollars in thousands)BalancePercentBalancePercentBalancePercentMortgage loans held-for-sale$310,534 0 %$286,710 1 %$347,236 1 %Loans, net of unearned incomeCommercial$15,909,323 26 %$15,363,740 25 %$13,729,524 25 %Commercial real estate13,095,845 21 12,931,000 21 11,810,525 22 Home equity459,033 1 449,095 1 348,306 1 Residential real estate 3,700,917 6 3,542,189 6 2,893,829 5 Premium finance receivables—property & casualty7,762,161 12 7,192,332 12 7,076,053 13 Premium finance receivables—life insurance8,455,443 14 8,248,690 14 7,880,205 15 Other loans134,913 0 106,334 0 80,912 0 Total average loans (1)$49,517,635 80 %$47,833,380 79 %$43,819,354 81 %Liquidity management assets (2)12,391,760 20 12,211,485 20 9,942,859 18 Other earning assets (3)— 0 13,140 0 15,257 0 Total average earning assets$62,219,929 100 %$60,344,715 100 %$54,124,706 100 %Total average assets$65,840,345 $64,107,042 $57,493,184 Total average earning assets to total average assets95 %94 %94 %

(1)Total average loans includes nonaccrual loans.

(2)Liquidity management assets include investment securities, other securities, interest earning deposits with banks, federal funds sold and securities purchased under resale agreements.

(3)