Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 76

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 76
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aseConstant prepayment rate (CPR)0% - 86%9.44%DecreaseCost of servicing$70 - $200$76 DecreaseCost of servicing - delinquent$200 - 1,000$386 DecreaseDerivatives7,149 Discounted cash flowsPull-through rate6% - 100%84.88 %IncreaseMeasured at fair value on a non-recurring basis:Individually assessed loans - foreclosure probable and collateral-dependent124,966 Appraisal valueAppraisal adjustment - cost of sale10%10.00%DecreaseOther real estate owned24,832 Appraisal valueAppraisal adjustment - cost of sale10%10.00%Decrease

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Table of Contents

The Company is required under applicable accounting guidance to report the fair value of all financial instruments on the Consolidated Statements of Condition, including those financial instruments carried at cost. The table below presents the carrying amounts and estimated fair values of the Company’s financial instruments as of the dates shown: At September 30, 2025At December 31, 2024At September 30, 2024CarryingFairCarryingFairCarryingFair(In thousands)ValueValueValueValueValueValueFinancial Assets:Cash and cash equivalents$565,469 $565,469 $458,536 $458,536 $731,128 $731,128 Interest-bearing deposits with banks3,422,452 3,422,452 4,409,753 4,409,753 3,648,117 3,648,117 Available-for-sale securities5,274,124 5,274,124 4,141,482 4,141,482 3,912,232 3,912,232 Held-to-maturity securities3,438,406 2,860,970 3,613,263 2,910,550 3,677,420 3,121,820 Trading account securities— — 4,072 4,072 3,472 3,472 Equity securities with readily determinable fair value63,445 63,445 215,412 215,412 125,310 125,310 FHLB and FRB stock, at cost282,755 282,755 281,407 281,407 266,908 266,908 Brokerage customer receivables—