WINTRUST FINANCIAL $WTFC Q3’26 EARNINGS HIGHLIGHTS 🔹 Revenue: $757.9M (Est. $754M) 🟢; +9% YoY 🔹 EPS: $3.37 (Est. $3.30) 🟢; +21% YoY 🔹 Net Interest Income: $621.6M; +10% YoY 🔹 Net Income: $239.1M; +11% YoY Other Q3 Metrics: 🔹 Pre-Provision Income: $352.2M (Est. $348M) 🟢 🔹 Income Before Taxes: $326.3M (Est. $320M) 🟢 🔹 Net Interest Margin: 3.49%; +1 bps YoY 🔹 Total Loans: $56.8B; +9% YoY 🔹 Total Deposits: $62.4B; +10% YoY 🔹 Provision for Credit Losses: $25.9M 🔹 Net Charge-offs: $21.0M 🔹 Non-Performing Loans: $176.9M 🔹 CET1 Ratio: 10.5% 🔹 Return on Avg. Common Equity: 12.83% 🔹 Book Value/Share: $101.74 (Est. $107.99) 🔴 🔹 Tangible Book Value/Share: $88.18 Capital Return: 🔹 Dividend: $0.55/share Key Updates: 🔹 Net losses on investment securities: approximately $1.6 million, primarily the result of fair value adjustments on the Company’s equity investment securities with a readily determinable fair value 🔹 Net charge-offs: $21.0 million, or 15 basis points of average total loans on an annualized basis 🔹 Non-performing loans: $176.9 million and comprised 0.31% of total loans at September 30, 2026 🔹 Mortgage banking revenue: $25.5 million 🔹 Wealth management revenue: $41.0 million Comments: 🔸 “which should generate positive operating leverage for the year”