Regional Banks · WTFC

credit / rates affecting interest expense

“The increase in net income for the first quarter of 2026 as compared to the same period in the prior year is primarily attributable to increased net interest income and an increase in non-interest income, partially offset by increased non-interest expense primarily due to increased salary and employee benefits expenses.”

WTFC 10-Q

demand / volume

“Significant prolonged reduced investor demand could manifest itself in lower fair values for these securities and may result in recognition of an other-than-temporary or permanent impairment of available-for-sale debt securities and unrealized losses of equity securities with a readily determinable fair value recognized in earnings, which could lead to accounting charges and have a material adverse effect on the Company's financial condition and results of operations.”

WTFC 10-K

credit / rates

“These subordinated notes qualify as Tier II capital under the regulatory capital requirements, subject to restrictions. (13) Other Borrowings The following is a summary of other borrowings at December 31, 2025 and 2024: (In thousands) 2025 2024 Notes payable $ — $ 142,763 Secured Borrowings 422,107 334,934 Other 55,859 57,106 Total other borrowings $ 477,966 $ 534,803 Notes Payable On December 12, 2022, the Company entered into a credit agreement (as amended, the “Amended and Restated Credit Agreement”) with certain unaffiliated banks.”

WTFC 10-K