Wintrust Financial Corp.

Wintrust Financial Corporation, an Illinois corporation ( we, Wintrust or the Company ), which was incorporated in 1992, is a financial holding company based in Rosemont, Illinois, with total assets of approximately $71.1 billion as of December 31, 2025. We provide community-oriented, personal and commercial banking services to customers generally located in the Chicago metropolitan area, southern Wisconsin, northwest Indiana and west Michigan ( our market area ) through our sixteen wholly-owned-banking subsidiaries (collectively, the banks ), as well as the origination of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank & Trust Company, N.A. ( Barrington Bank ). In addition, we provide specialty finance services, including financing for the payment of property and casualty insurance premiums and life insurance premiums ( premium finance receivables ) on a national basis through FIRST Insurance Funding, a division of our wholly-owned subsidiary Lake Forest Bank & Trust Company, N.A. ( Lake Forest Bank ), and Wintrust Life Finance, a division of Lake Forest Bank, and in Canada through our premium finance company, First Insurance Funding of Canada Inc. ( FIFC Canada ), an indirect subsidiary of Lake Forest Bank, lease financing and other direct leasing opportunities through our wholly-owned subsidiary, Wintrust Asset Finance, Inc. ( Wintrust Asset Finance ), and short-term accounts receivable financing and outsourced administrative services through our wholly-owned subsidiary, Tricom, Inc.