Regulatory Matters

12 Months Ended

Dec. 31, 2025

Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract]

Banking laws place restrictions upon the amount of dividends that can be paid to Wintrust by the banks. Based on these laws, the banks could, subject to minimum capital requirements, declare dividends to Wintrust without obtaining regulatory approval in an amount not exceeding (a) undivided profits, and (b) the amount of net income reduced by dividends paid for the current and prior two years. During 2025, 2024 and 2023, cash dividends totaling $600.0 million, $475.0 million and $360.0 million, respectively, were paid to Wintrust by the banks and other subsidiaries. As of December 31, 2025, the banks had approximately $929.8 million available to be paid as dividends to Wintrust without prior regulatory approval and without reducing their capital below the well-capitalized level.

The Company and the banks are subject to various regulatory capital requirements established by the federal banking agencies that take into account risk attributable to balance sheet and off-balance sheet activities. Failure to meet minimum capital requirements can initiate certain mandatory — and possibly discretionary — actions by regulators, that if undertaken could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the banks must meet specific capital guidelines that involve

quantitative measures of the Company’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the banks to maintain minimum amounts and ratios of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined) and Tier 1 leverage capital (as defined) to average quarterly assets (as defined). The Federal Reserve’s capital guidelines require bank holding companies to maintain a minimum ratio of qualifying total capital to risk-weighted assets of 8.0%, of which at least 4.50% must be in the form of Common Equity Tier 1 capital and 6.0% must be in the form of Tier 1 capital. The Federal Reserve also requires a minimum leverage ratio of Tier 1 capital to average total assets of 4.0%. In addition, the Federal Reserve continues to consider the Tier 1 Leverage Ratio in evaluating proposals for expansion or new activities.

As reflected in the following table, the Company met all minimum capital requirements at December 31, 2025 and 2024:


	2025		2024
Total capital to risk weighted assets	12.4	%	12.3	%
Tier 1 capital to risk weighted assets	11.0		10.7
Common Equity Tier 1 capital to risk weighted assets	10.3		9.9
Tier 1 Leverage Ratio	9.6		9.4

Wintrust is designated as a financial holding company. Bank holding companies approved as financial holding companies may engage in an expanded range of activities, including the businesses conducted by its wealth management subsidiaries. As a financial holding company, Wintrust’s banks are required to maintain their capital positions at the “well-capitalized” level. As of December 31, 2025, the banks were categorized as well-capitalized under the regulatory framework for prompt corrective action. The ratios required for the banks to be “well capitalized” by regulatory definition are 10.0%, 8.0%, 6.5% and 5.0% for total capital to risk-weighted assets, Tier 1 capital to risk-weighted assets, Common Equity Tier 1 capital to risk weighted assets and Tier 1 Leverage Ratio, respectively.

The banks’ actual capital amounts and ratios as of December 31, 2025 and 2024 are presented in the following table:


	December 31, 2025								December 31, 2024
	Actual				To Be Well Capitalized by Regulatory Definition				Actual				To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk Weighted Assets):
Lake Forest Bank	$	913,408	11.7	%	$	780,590	10.0	%	$	857,438	11.8	%	$	728,358	10.0	%
Hinsdale Bank	611,707		11.7		523,012		10.0		543,925		11.9		458,046		10.0
Wintrust Bank	1,102,033		12.5		879,447		10.0		1,164,532		12.7		915,950		10.0
Libertyville Bank	312,923		12.0		260,677		10.0		276,568		11.8		234,181		10.0
Barrington Bank	519,425		11.5		449,975		10.0		472,428		11.4		413,497		10.0
Crystal Lake Bank	218,761		12.3		177,720		10.0		187,820		11.8		159,314		10.0
Northbrook Bank	554,744		11.8		469,918		10.0		502,434		11.3		446,536		10.0
Macatawa	382,248		12.7		301,217		10.0		307,829		16.3		189,233		10.0
Schaumburg Bank	246,955		12.9		191,443		10.0		229,770		12.2		187,982		10.0
Village Bank	347,992		11.6		300,127		10.0		310,037		11.5		270,656		10.0
Beverly Bank	266,507		12.6		211,477		10.0		265,590		12.5		213,222		10.0
Town Bank	448,206		12.1		371,326		10.0		387,911		11.4		340,161		10.0
Wheaton Bank	406,928		11.3		358,758		10.0		347,365		11.4		304,003		10.0
State Bank of the Lakes	246,346		12.0		204,907		10.0		213,869		11.6		184,932		10.0
Old Plank Trail Bank	311,608		11.8		265,015		10.0		271,641		11.3		241,562		10.0
St. Charles Bank	334,965		11.4		292,758		10.0		291,380		11.2		259,615		10.0
Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank	$	858,940	11.0	%	$	624,472	8.0	%	$	807,848	11.1	%	$	582,687	8.0	%
Hinsdale Bank	576,775		11.0		418,409		8.0		512,323		11.2		366,437		8.0
Wintrust Bank	1,012,547		11.5		703,557		8.0		1,069,171		11.7		732,760		8.0
Libertyville Bank	292,839		11.2		208,541		8.0		258,709		11.1		187,345		8.0
Barrington Bank	491,794		10.9		359,980		8.0		453,022		11.0		330,798		8.0
Crystal Lake Bank	204,432		11.5		142,176		8.0		176,144		11.1		127,451		8.0
Northbrook Bank	524,287		11.2		375,934		8.0		473,065		10.6		357,229		8.0
Macatawa	355,462		11.8		240,974		8.0		293,541		15.5		151,387		8.0
Schaumburg Bank	234,406		12.2		153,154		8.0		216,675		11.5		150,386		8.0
Village Bank	318,322		10.6		240,102		8.0		286,808		10.6		216,524		8.0
Beverly Bank	250,149		11.8		169,182		8.0		246,565		11.6		170,578		8.0
Town Bank	422,451		11.4		297,061		8.0		366,265		10.8		272,129		8.0
Wheaton Bank	382,347		10.7		287,007		8.0		323,221		10.6		243,202		8.0
State Bank of the Lakes	233,269		11.4		163,925		8.0		203,972		11.0		147,946		8.0
Old Plank Trail Bank	292,554		11.0		212,012		8.0		255,788		10.6		193,249		8.0
St. Charles Bank	315,028		10.8		234,206		8.0		270,446		10.4		207,692		8.0
Common Equity Tier 1 Capital (to Risk Weighted Assets):
Lake Forest Bank	$	858,940	11.0	%	$	507,384	6.5	%	$	807,848	11.1	%	$	473,433	6.5	%
Hinsdale Bank	576,775		11.0		339,958		6.5		512,323		11.2		297,730		6.5
Wintrust Bank	1,012,547		11.5		571,640		6.5		1,069,171		11.7		595,367		6.5
Libertyville Bank	292,839		11.2		169,440		6.5		258,709		11.1		152,218		6.5
Barrington Bank	491,794		10.9		292,484		6.5		453,022		11.0		268,773		6.5
Crystal Lake Bank	204,432		11.5		115,518		6.5		176,144		11.1		103,554		6.5
Northbrook Bank	524,287		11.2		305,447		6.5		473,065		10.6		290,248		6.5
Macatawa	355,462		11.8		195,791		6.5		293,541		15.5		123,002		6.5
Schaumburg Bank	234,406		12.2		124,438		6.5		216,675		11.5		122,188		6.5
Village Bank	318,322		10.6		195,083		6.5		286,808		10.6		175,926		6.5
Beverly Bank	250,149		11.8		137,460		6.5		246,565		11.6		138,594		6.5
Town Bank	422,451		11.4		241,362		6.5		366,265		10.8		221,105		6.5
Wheaton Bank	382,347		10.7		233,193		6.5		323,221		10.6		197,602		6.5
State Bank of the Lakes	233,269		11.4		133,189		6.5		203,972		11.0		120,206		6.5
Old Plank Trail Bank	292,554		11.0		172,260		6.5		255,788		10.6		157,015		6.5
St. Charles Bank	315,028		10.8		190,293		6.5		270,446		10.4		168,750		6.5



	December 31, 2025								December 31, 2024
	Actual				To Be Well Capitalized by Regulatory Definition				Actual				To Be Well Capitalized by Regulatory Definition
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Tier 1 Leverage Ratio:
Lake Forest Bank	$	858,940	9.1	%	$	472,426	5.0	%	$	807,848	9.7	%	$	416,233	5.0	%
Hinsdale Bank	576,775		9.9		291,840		5.0		512,323		9.6		266,427		5.0
Wintrust Bank	1,012,547		10.5		481,193		5.0		1,069,171		11.1		479,667		5.0
Libertyville Bank	292,839		9.4		156,035		5.0		258,709		9.5		136,451		5.0
Barrington Bank	491,794		10.4		235,898		5.0		453,022		10.7		212,429		5.0
Crystal Lake Bank	204,432		10.2		100,266		5.0		176,144		9.8		89,519		5.0
Northbrook Bank	524,287		9.7		271,425		5.0		473,065		9.2		256,737		5.0
Macatawa	355,462		10.8		164,001		5.0		293,541		10.1		144,975		5.0
Schaumburg Bank	234,406		10.1		115,689		5.0		216,675		10.0		108,031		5.0
Village Bank	318,322		9.4		168,839		5.0		286,808		9.6		149,062		5.0
Beverly Bank	250,149		10.1		123,495		5.0		246,565		10.1		122,295		5.0
Town Bank	422,451		9.5		221,588		5.0		366,265		8.9		205,847		5.0
Wheaton Bank	382,347		9.0		212,275		5.0		323,221		9.1		178,254		5.0
State Bank of the Lakes	233,269		9.9		118,454		5.0		203,972		9.8		104,067		5.0
Old Plank Trail Bank	292,554		9.1		161,477		5.0		255,788		8.9		143,480		5.0
St. Charles Bank	315,028		9.5		166,595		5.0		270,446		9.3		144,886		5.0

Wintrust’s mortgage banking division is also required to maintain minimum net worth capital requirements with governmental agencies. The mortgage banking division’s net worth requirements are governed by the Department of Housing and Urban Development. As of December 31, 2025, this business unit met the minimum net worth capital requirements.

- Definition

The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union.

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