Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 31

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 31
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 $4,748 $12,046 $2,796 $— $— $28,846 Nine months ended September 30, 2025$8,709 $15,297 $5,246 $8,129 $14,193 $13,216 $— $— $64,790 (1)For premium finance receivables - life, the year of origination represents when the borrower’s master loan agreement was initially established.Held-to-maturity debt securitiesThe Company conducts an assessment of its investment securities, including those classified as held-to-maturity, at the time of purchase and on at least an annual basis to ensure such investment securities remain within appropriate levels of risk and continue to perform satisfactorily in fulfilling its obligations. The Company considers, among other factors, the nature of the securities and credit ratings or financial condition of the issuer. If available, the Company obtains a credit rating for issuers from a Nationally Recognized Statistical Rating Organization (“NRSRO”) for consideration. If no such rating is available for an issuer, the Company performs an internal rating based on the scale utilized within the loan portfolio. For purposes of the table below, the Company has converted any issuer rating from an NRSRO into the Company’s internal ratings based on Investment Policy and review by the Company’s management.

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Table of Contents

As of September 30, 2025Year of OriginationTotal(In thousands)20252024202320222021PriorBalanceAmortized Cost Balances:U.S. government agencies1-4 internal grade$— $— $— $135,000 $147,827 $30,713 $313,540 5-7 internal grade— — — — — — — 8-10 internal grade— — — — — — — Total U.S. government agencies$— $— $— $135,000 $147,827 $30,713 $313,540 Municipal1-4 internal grade$— $— $4,092 $1,028 $6,742 $141,784 $153,646 5-7 internal grade— — — — — 2,124 2,124 8-10 internal grade— — — — — —