Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 158

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 2
Chunk 158
---
 4.05 Savings accounts6,723,325 6,578,698 6,096,746 38,844 37,637 42,892 2.29 2.29 2.80 Time deposits10,319,719 9,841,702 9,598,109 98,308 94,244 110,616 3.78 3.84 4.58 Interest-bearing deposits$44,765,499 $42,581,193 $38,668,386 $355,846 $333,470 $362,019 3.15 %3.14 %3.72 %Federal Home Loan Bank advances3,151,310 3,151,310 3,178,973 26,007 25,724 26,254 3.27 3.27 3.29 Other borrowings614,892 593,657 622,792 6,887 6,957 9,013 4.44 4.70 5.76 Subordinated notes298,481 298,398 298,135 3,717 3,735 3,712 4.94 5.02 4.95 Junior subordinated debentures253,566 253,566 253,566 4,367 4,328 5,023 6.83 6.85 7.88 Total interest-bearing liabilities$49,083,748 $46,878,124 $43,021,852 $396,824 $374,214 $406,021 3.21 %3.20 %3.75 %Non-interest-bearing deposits10,791,709 10,643,798 10,271,613 Other liabilities1,472,036 1,456,383 1,631,389 Equity6,955,543 6,862,040 5,990,429 Total liabilities and shareholders’ equity$68,303,036 $65,840,345 $60,915,283 Interest rate spread (6) (8)2.72 %2.76 %2.58 %Less:  Fully taxable-equivalent adjustment(2,829)(2,880)(3,144)(0.02)(0.02)(