Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 41

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 41
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ollars in thousands)TotalDuration of Extension of Term (months)Reduction of InterestRate (bps)Duration of Delay in Contractual Payments (months)Commercial$4,687 3511334Commercial real estate - Non-construction1,662 29— 16Home equity89 12— — Residential real estate282 19201— Premium finance receivables—property & casualty$1,554 686$— Total loans$8,274 9$156 18The Company had commitments of $23.9 million and $8.6 million as of September 30, 2025 and September 30, 2024, respectively, to lend additional funds to borrowers experiencing financial difficulty and for whom the Company has modified the terms of loans in the form of principal forgiveness, an interest rate reduction, an other-than insignificant payment delay or a term extension during the periods presented.

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Table of Contents

The following table presents a summary of all modified loans for borrowers experiencing financial difficulties and such loans that were in payment default under the restructured terms during the respective periods below: (Dollars in thousands)For the Twelve Months Ended September 30, 2025Three Months EndedSeptember 30, 2025Nine Months EndedSeptember 30, 2025For the Twelve Months Ended September 30, 2024Three Months Ended September 30, 2024Nine Months EndedSeptember 30, 2024TotalPayments in Default  (1)Payments in Default  (1)TotalPayments in Default  (1)Payments in Default  (1)Commercial$20,725 $28 $142 $6,757 $42 $1,826 Commercial real estateConstruction and development— — — 2,504 — — Non-construction243 196 196 2,933 — 923 Home equity— — — 588 — 203 Residential real estate1,524 224 920 282 — 541 Premium finance receivables—property & casualty865 — 865 1,632 47 61 Total loans$23,357 $448 $2,123 $14,696 $89 $3,554 (1)Modified loans considered to be in payment default are over 30 days past due subsequent to the restructuring.

(8) Goodwill and