# EDGAR Filing Document

**Accession Number:** 0001015328
**File Stem:** 0001104659-25-068365
**Filing Date:** 2025-7
**Character Count:** 21367
**Document Hash:** 375ee80e2763da578b310d54db2738d5
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-068365.hdr.sgml**: 20250716

**ACCESSION NUMBER**: 0001104659-25-068365

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20250715

**ITEM INFORMATION**: Material Modifications to Rights of Security Holders

**ITEM INFORMATION**: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250716

**DATE AS OF CHANGE**: 20250716

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** WINTRUST FINANCIAL CORP
- **CENTRAL INDEX KEY:** 0001015328
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 363873352
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-35077
- **FILM NUMBER:** 251127964

**BUSINESS ADDRESS:**
- **STREET 1:** 9700 WEST HIGGINS ROAD, 8TH FLOOR
- **CITY:** ROSEMONT
- **STATE:** IL
- **ZIP:** 60018
- **BUSINESS PHONE:** 8479399000

**MAIL ADDRESS:**
- **STREET 1:** 9700 WEST HIGGINS ROAD, 8TH FLOOR
- **CITY:** ROSEMONT
- **STATE:** IL
- **ZIP:** 60018

?xml version='1.0' encoding='ASCII'?

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): **July 15, 2025**

**WINTRUST FINANCIAL CORPORATION**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **Illinois** | **001-35077** | **36-3873352** |
| (State or other jurisdiction <br> of Incorporation) | (Commission<br> File Number) | (I.R.S. Employer<br> Identification No.) |

---

---

| | |
|:---|:---|
| **9700 W. Higgins Road** **, Suite 800<br> Rosemont, Illinois** | **60018** |
| (Address of principal executive offices) | (Zip Code) |

---

Registrant's telephone number, including area code **(847) 939-9000** 

**Not Applicable**

(Former name or former address, if changed since last year)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

◻ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

◻ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

◻ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

◻ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Title of each class** | &nbsp;&nbsp;**Trading Symbol(s)** | &nbsp;&nbsp;**Name of each exchange on which registered** |
| &nbsp;&nbsp;Common stock, no par value | &nbsp;&nbsp;WTFC | &nbsp;&nbsp;The NASDAQ Global Select Market |
| &nbsp;&nbsp;Depositary Shares, Each Representing a 1/1,000th Interest in a Share of 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value | &nbsp;&nbsp;WTFCN | &nbsp;&nbsp;The NASDAQ Global Select Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ◻

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◻

**Item 3.03. Material Modification to Rights of Security Holders.**

On July 15, 2025, Wintrust Financial Corporation (the "Company") filed with the Secretary of the State of Illinois two Statements of Resolution (the "Modifications") relating to the Company's Amended and Restated Articles of Incorporation, as amended. The Modifications were filed solely to formally reflect that no shares of the Company's Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D, no par value per share (the "Series D Preferred Stock"), which series was created in 2015, and no shares of the Company's 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E, no par value (the "Series E Preferred Stock"), which series was created in 2020, remain issued and outstanding. As a result of the Modifications, the shares formerly designated as the Series D Preferred Stock and the Series E Preferred Stock were returned to the status of authorized and unissued shares of the Company's preferred stock.

The only issued and outstanding series of preferred stock of the Company is the Company's 7.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series F, no par value (the "Series F Preferred Stock"), 17,000 shares of which were issued and sold in the Company's previously disclosed public offering of depositary shares, each representing a 1/1,000th interest in a share of Series F Preferred Stock, which was completed on May 22, 2025.

Copies of the Modifications are attached hereto as Exhibit 3.1 and Exhibit 3.2 and are incorporated herein by reference.

**Item 5.03. Amendments to Articles of Incorporation or Bylaws; Change of Fiscal Year.**

The information under Item 3.03 is incorporated herein by reference.

**Item 9.01. Financial Statements and Exhibits.**

(d) Exhibits.

---

| | |
|:---|:---|
| **Exhibit No.** | **Description** |
| [3.1](tm2520286d1_ex3-1.htm) | [Statement of Resolution of the Board of Directors of Wintrust Financial Corporation Regarding the Series D Preferred Stock.](tm2520286d1_ex3-1.htm) |
| [3.2](tm2520286d1_ex3-2.htm) | [Statement of Resolution of the Board of Directors of Wintrust Financial Corporation Regarding the Series E Preferred Stock.](tm2520286d1_ex3-2.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

---

**Signature**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
| WINTRUST FINANCIAL CORPORATION | WINTRUST FINANCIAL CORPORATION |
| By: | /s/ Kathleen M. Boege |
|  | Kathleen M. Boege |
|  | Executive Vice President, Chief Legal Officer and Corporate Secretary |

---

Date: July 16, 2025

## Exhibit 3.1

**Exhibit 3.1**

FORM **BCA 6.10** (rev. Dec. 2003)<br> **STATEMENT OF RESOLUTION <br> ESTABLISHING SERIES**<br> Business Corporation Act

Secretary of State<br> Department of Business Services <br> 501 S. Second St., Rm. 350<br> Springfield, IL 62756 <br> 217-782-6961 <br> www.ilsos.gov

Remit payment in the form of a <br> check or money order payable<br> to Secretary of State.

_______________________________________ File # __________________________ **Filing Fee: $25** Approved: ___________________

– – – – **Submit in duplicate – – – – Type or Print clearly in black ink – – – – Do not write above this line – – – –**

1. Corporate Name: Wintrust Financial Corporation

2. The Board of Directors on <u>May 6</u> , <u>2025</u> duly adopted the following resolution <br> Month Day Year

establishing and designating one or more series and fixing and determining the relative rights and preferences thereof:

**For more space, add additional sheets of this size.**

Please see attached resolutions duly adopted by the Board of Directors (the "Board") of Wintrust Financial Corporation (the "Company") on May 6, 2025, pursuant to which the Board authorized and approved the redemption, cancellation and retirement of all of the issued and outstanding shares of the Company's Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D (the "Series D Preferred Stock") on July 15, 2025 in accordance with Section 7 of the Certificate of Designations for the Series D Preferred Stock.

3. The undersigned Corporation has caused this statement to be signed by a duly authorized officer who affirms, under penalties of perjury,
that the facts stated herein are true and correct. All signatures must be in BLACK INK.

---

| | | | | |
|:---|:---|:---|:---|:---|
| Dated | July 15 | , | 2025 | Wintrust Financial Corporation |
|  | Month Day |  | Year | Exact Name of Corporation |
|  | /s/ David A. Dykstra | /s/ David A. Dykstra | /s/ David A. Dykstra |  |
|  | Any Authorized Officer's Signature | Any Authorized Officer's Signature | Any Authorized Officer's Signature |  |
|  | David A. Dykstra, Vice Chairman & Chief Operating Officer | David A. Dykstra, Vice Chairman & Chief Operating Officer | David A. Dykstra, Vice Chairman & Chief Operating Officer |  |
|  | Name and Title (type or print) | Name and Title (type or print) | Name and Title (type or print) |  |

---

This form is applicable only where the Articles of Incorporation expressly vest authority in the board of directors to establish series and to fix and determine the relative rights and preferences thereof. In such case series may be established and rights and preferences fixed and determined by resolution of the board of directors only to the extent not already established, fixed and determined by the Articles of Incorporation.

**NOTE: Only special and preferred classes of stock can be established in series.**

Printed by authority of the State of Illinois. January 2015 - 1 - C 141.13

**ACTION BY UNANIMOUS WRITTEN CONSENT OF<br> THE BOARD OF DIRECTORS OF**

**WINTRUST FINANCIAL CORPORATION**

**May 6, 2025**

Pursuant to Section 8.45 of the Illinois Business Corporation Act of 1983, as amended, and the amended and restated bylaws, as amended, of Wintrust Financial Corporation, an Illinois corporation (the "Corporation"), the undersigned, constituting all of the members of the Board of Directors of the Corporation (the "Board"), hereby adopt the following resolutions:

I. **<u>REDEMPTION TRANSACTIONS</u>**

**WHEREAS,** the Board deems it advisable and in the best interest of the Corporation to redeem, effective as of July 15, 2025 (the "Redemption Date"), all of the issued and outstanding shares of: (i) the Corporation's Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D (the "Series D Preferred Stock"); and (ii) the Corporation's 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E (the "Series E Preferred Stock") and the related depositary shares representing interests in such Series E Preferred Stock (the "Series E Depositary Shares") (collectively, the "Redemption Transactions").

**NOW, THEREFORE, BE IT RESOLVED,** that, subject to (x) the closing of the Depositary Share Transaction and (y) the prior approval of the Federal Reserve or other "appropriate Federal banking agency" with respect to the Corporation as defined in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. Section 1813(q)), or any successor provision, if required, the Redemption Transactions are hereby authorized and approved in all respects, and that the Authorized Officers be, and each of them hereby is, authorized and directed to execute and carry out, in the name and on behalf of the Corporation, the Redemption Transactions, in each case effective as of the Redemption Date and in accordance with the respective terms of (i) the Series D Preferred Stock, at a redemption price equal to $25.00 per share of Series D Preferred Stock, plus any declared and unpaid dividends, and (ii) the Series E Preferred Stock and the Series E Depositary Shares, at a redemption price equal to $25,000.00 per share of Series E Preferred Stock (equivalent to $25.00 per Series E Depositary Share), plus any declared and unpaid dividends;

**RESOLVED FURTHER,** that all of the issued and outstanding shares of Series D Preferred Stock, Series E Preferred Stock and Series E Depositary Shares redeemed pursuant to these resolutions shall, effective as of the Redemption Date, be retired and reclassified as authorized and unissued shares of preferred stock, and may thereafter be reissued as any series of shares of preferred stock of the Corporation; and

**RESOLVED FURTHER,** that the Authorized Officers be, and each of them hereby is, authorized, in the name and on behalf of the Corporation, to (i) issue such notice(s) of redemption to the holders of the Series D Preferred Stock and the Series E Preferred Stock as necessary and advisable, (ii) retain the services of such agents, experts and officials with respect to the Redemption Transactions and execute any and all other documents and agreements in connection therewith, and (iii) take any and all actions deemed necessary or advisable to notify the NASDAQ Stock Market regarding the Redemption Transactions.

*Further Authorization*

**RESOLVED FURTHER,** that in order to fully carry out the intent and effectuate the purposes of the foregoing resolutions, the Authorized Officers be, and each of them hereby is, authorized and directed, in the name and on behalf of the Corporation, to take all such action, to execute and deliver all such further agreements, instruments and documents, to make all such filings with governmental or regulatory authorities and to pay all such fees and expenses, in each case which shall in such Authorized Officer's judgment be deemed necessary, proper or advisable, such determination to be evidenced conclusively by any such Authorized Officer's execution and delivery thereof or taking of action in respect thereto; and

**RESOLVED** **FURTHER,** that any and all actions heretofore or hereafter taken by any officer, director, employee or agent of the Corporation in accordance with the preceding resolutions are hereby approved, ratified and confirmed.

## Exhibit 3.2

**Exhibit 3.2**

FORM **BCA 6.10** (rev. Dec. 2003)<br> **STATEMENT OF RESOLUTION <br> ESTABLISHING SERIES**<br> Business Corporation Act

Secretary of State<br> Department of Business Services <br> 501 S. Second St., Rm. 350<br> Springfield, IL 62756 <br> 217-782-6961 <br> www.ilsos.gov

Remit payment in the form of a <br> check or money order payable<br> to Secretary of State.

_______________________________________ File # __________________________ **Filing Fee: $25** Approved: ___________________

– – – – **Submit in duplicate – – – – Type or Print clearly in black ink – – – – Do not write above this line – – – –**

1. Corporate Name: Wintrust Financial Corporation

2. The Board of Directors on <u>May 6</u> , <u>2025</u> duly adopted the following resolution <br> Month Day Year

establishing and designating one or more series and fixing and determining the relative rights and preferences thereof:

**For more space, add additional sheets of this size.**

Please see attached resolutions duly adopted by the Board of Directors (the "Board") of Wintrust Financial Corporation (the "Company") on May 6, 2025, pursuant to which the Board authorized and approved the redemption, cancellation and retirement of all of the issued and outstanding shares of the Company's 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E (the "Series E Preferred Stock") on July 15, 2025 in accordance with Section 7 of the Certificate of Designations for the Series E Preferred Stock.

3. The undersigned Corporation has caused this statement to be signed
 by a duly authorized officer who affirms, under penalties of perjury, that the facts stated herein are true and correct. All signatures
 must be in **BLACK INK**.

---

| | | | | |
|:---|:---|:---|:---|:---|
| Dated | July 15 | , | 2025 | Wintrust Financial Corporation |
|  | Month Day |  | Year | Exact Name of Corporation |
|  | /s/ David A. Dykstra | /s/ David A. Dykstra | /s/ David A. Dykstra |  |
|  | Any Authorized Officer's Signature | Any Authorized Officer's Signature | Any Authorized Officer's Signature |  |
|  | David A. Dykstra, Vice Chairman & Chief Operating Officer | David A. Dykstra, Vice Chairman & Chief Operating Officer | David A. Dykstra, Vice Chairman & Chief Operating Officer |  |
|  | Name and Title (type or print) | Name and Title (type or print) | Name and Title (type or print) |  |

---

This form is applicable only where the Articles of Incorporation expressly vest authority in the board of directors to establish series and to fix and determine the relative rights and preferences thereof. In such case series may be established and rights and preferences fixed and determined by resolution of the board of directors only to the extent not already established, fixed and determined by the Articles of Incorporation.

**NOTE: Only special and preferred classes of stock can be established in series.**

Printed by authority of the State of Illinois. January 2015 - 1 - C 141.13

**ACTION BY UNANIMOUS WRITTEN CONSENT OF<br> THE BOARD OF DIRECTORS OF**

**WINTRUST FINANCIAL CORPORATION**

**May 6, 2025**

Pursuant to Section 8.45 of the Illinois Business Corporation Act of 1983, as amended, and the amended and restated bylaws, as amended, of Wintrust Financial Corporation, an Illinois corporation (the "Corporation"), the undersigned, constituting all of the members of the Board of Directors of the Corporation (the "Board"), hereby adopt the following resolutions:

&nbsp;&nbsp;&nbsp;&nbsp;I. **<u>REDEMPTION TRANSACTIONS</u>**

**WHEREAS,** the Board deems it advisable and in the best interest of the Corporation to redeem, effective as of July 15, 2025 (the "Redemption Date"), all of the issued and outstanding shares of: (i) the Corporation's Fixed-to-Floating Non-Cumulative Perpetual Preferred Stock, Series D (the "Series D Preferred Stock"); and (ii) the Corporation's 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series E (the "Series E Preferred Stock") and the related depositary shares representing interests in such Series E Preferred Stock (the "Series E Depositary Shares") (collectively, the "Redemption Transactions").

**NOW, THEREFORE, BE IT RESOLVED,** that, subject to (x) the closing of the Depositary Share Transaction and (y) the prior approval of the Federal Reserve or other "appropriate Federal banking agency" with respect to the Corporation as defined in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. Section 1813(q)), or any successor provision, if required, the Redemption Transactions are hereby authorized and approved in all respects, and that the Authorized Officers be, and each of them hereby is, authorized and directed to execute and carry out, in the name and on behalf of the Corporation, the Redemption Transactions, in each case effective as of the Redemption Date and in accordance with the respective terms of (i) the Series D Preferred Stock, at a redemption price equal to $25.00 per share of Series D Preferred Stock, plus any declared and unpaid dividends, and (ii) the Series E Preferred Stock and the Series E Depositary Shares, at a redemption price equal to $25,000.00 per share of Series E Preferred Stock (equivalent to $25.00 per Series E Depositary Share), plus any declared and unpaid dividends;

**RESOLVED FURTHER,** that all of the issued and outstanding shares of Series D Preferred Stock, Series E Preferred Stock and Series E Depositary Shares redeemed pursuant to these resolutions shall, effective as of the Redemption Date, be retired and reclassified as authorized and unissued shares of preferred stock, and may thereafter be reissued as any series of shares of preferred stock of the Corporation; and

**RESOLVED FURTHER,** that the Authorized Officers be, and each of them hereby is, authorized, in the name and on behalf of the Corporation, to (i) issue such notice(s) of redemption to the holders of the Series D Preferred Stock and the Series E Preferred Stock as necessary and advisable, (ii) retain the services of such agents, experts and officials with respect to the Redemption Transactions and execute any and all other documents and agreements in connection therewith, and (iii) take any and all actions deemed necessary or advisable to notify the NASDAQ Stock Market regarding the Redemption Transactions.

*Further Authorization*

 

**RESOLVED FURTHER,** that in order to fully carry out the intent and effectuate the purposes of the foregoing resolutions, the Authorized Officers be, and each of them hereby is, authorized and directed, in the name and on behalf of the Corporation, to take all such action, to execute and deliver all such further agreements, instruments and documents, to make all such filings with governmental or regulatory authorities and to pay all such fees and expenses, in each case which shall in such Authorized Officer's judgment be deemed necessary, proper or advisable, such determination to be evidenced conclusively by any such Authorized Officer's execution and delivery thereof or taking of action in respect thereto; and

**RESOLVED FURTHER,** that any and all actions heretofore or hereafter taken by any officer, director, employee or agent of the Corporation in accordance with the preceding resolutions are hereby approved, ratified and confirmed.