Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 100

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 100
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4 million as compared to the third quarter of 2024. Net interest margin was 3.48% (3.50% on a FTE basis, non-GAAP) during the third quarter of 2025 compared to 3.52% (3.54% on a FTE basis, non-GAAP) during the second quarter of 2025, and 3.49% (3.51% on a FTE basis, non-GAAP) during the third quarter of 2024.   

The following table presents a summary of the Company’s net interest income and related net interest margin, including a calculation on a fully taxable-equivalent basis, for the nine months ended September 30, 2025 compared to the nine months ended September 30, 2024:

 Average Balancefor nine months ended,Interest for nine months ended,Yield/Ratefor nine months ended,(Dollars in thousands)September 30,2025September 30,2024September 30,2025September 30,2024September 30,2025September 30,2024Interest-bearing deposits with banks, securities purchased under resale agreements and cash equivalents (1)$3,367,419 $1,720,387 $106,605 $69,310 4.23 %5.38 %Investment securities (2)8,866,621 8,276,711 238,540 210,834 3.60 3.40 FHLB and FRB stock282,016 249,375 16,144 14,903 7.65 7.98 Liquidity management assets (3) (8)$12,516,056 $10,246,473 $361,289 $295,047 3.86 %3.85 %Other earning assets (3) (4) (8)4,332 15,966 92 715 2.84 5.98 Mortgage loans held-for-sale297,568 338,061 13,875 15,813 6.23 6.25 Loans, net of unearned income (3) (5) (8)49,597,938 43,963,779 2,405,059 2,261,341 6.48 6.87 Total earning assets (8)$62,415,894 $54