Wintrust Financial reported $239.05 million net income for the three months ended Sep 30, 2026

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For the quarterly period ended June September 30, 2026

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Common Stock — no par value, 67,465,967 67,484,328 shares, as of July 31, October 30, 2026

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Financial statements 1291 changes

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(Dollars in thousands, except per share data) June September 30,

Cash and due from banks $ 595,790 635,592 $ 467,874 $ 695,501 565,406

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Allowance for loan losses ( 402,952 ) ( 379,283 ) ( 391,654 )

Net loans 55,251,995 52,725,818 50,650,025

Goodwill 797,219 797,960 798,144

Total assets $ 74,668,135 $ 71,142,046 $ 68,983,318

Interest-bearing deposits with banks 3,573,915 3,557,687 3,180,553 4,569,618 3,422,452

Available-for-sale securities, at fair value 7,587,545 7,569,498 6,236,263 4,885,715 5,274,124

Held-to-maturity securities, at amortized cost, net of allowance for credit losses of $ 220 213 , $ 260 and $ 398 395 at June September 30, 2026, December 31, 2025 and June September 30, 2025, respectively ($ 2.6 2.4 billion, $ 2.8 billion and $ 2.9 billion fair value at June September 30, 2026, December 31, 2025 and June September 30, 2025, respectively)

Equity securities with readily determinable fair value 65,815 64,811 63,770 273,722 63,445

Federal Home Loan Bank and Federal Reserve Bank stock 294,629 296,171 291,881 282,087 282,755

Mortgage loans held-for-sale, at fair value 407,495 307,748 340,745 299,606 333,883

Loans, net of unearned income 55,654,947 56,804,571 53,105,101 51,041,679 52,063,482

Allowance for loan losses ( 401,729 ) ( 379,283 ) ( 386,622 )

Net loans 56,402,842 52,725,818 51,676,860

Premises, software and equipment, net 778,958 792,205 781,611 776,324 775,425

Lease investments, net 363,664 363,243 360,646 289,768 301,000

Accrued interest receivable and other assets 1,666,474 1,946,561 1,617,682 1,610,025 1,614,674

Receivable on unsettled securities sales — 835,275 240,039 978,209

Goodwill 804,661 797,960 797,639

Other acquisition-related intangible assets 88,119 110,033 97,999 110,495 105,297

Total assets $ 75,971,620 $ 71,142,046 $ 69,629,638

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Interest-bearing 49,344,539 46,293,490 44,939,645

Total deposits 61,141,275 57,717,191 55,816,811

Non-interest-bearing $ 11,796,736 11,584,695 $ 11,423,701 $ 10,877,166 10,952,146

Interest-bearing 50,850,521 46,293,490 45,759,235

Total deposits 62,435,216 57,717,191 56,711,381

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Other borrowings 370,736 477,966 625,392

Other borrowings 355,554 477,966 579,328

Subordinated notes 298,820 298,903 298,636 298,458 298,536

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Payable on unsettled securities sales — — 39,105

Total liabilities 67,143,019 63,883,331 61,757,622

Accrued interest payable and other liabilities 1,627,942 1,888,155 1,684,663 1,572,981 1,589,761

Total liabilities 68,682,074 63,883,331 62,583,881

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Series D - $ 25 liquidation value; no shares issued and outstanding at June 30, 2026 and December 31, 2025 and 5,000,000 shares issued and outstanding at June 30, 2025

Series E - $ 25,000 liquidation value; no shares issued and outstanding at June 30, 2026 and December 31, 2025 and 11,500 shares issued and outstanding at June 30, 2025

Surplus 2,560,427 2,534,024 2,495,637

Retained earnings 4,907,788 4,537,539 4,200,923

Accumulated other comprehensive loss ( 420,798 ) ( 295,754 ) ( 366,233 )

Series F - $ 25,000 liquidation value; 17,000 shares issued and outstanding at June September 30, 2026, December 31, 2025 and June September 30, 2025

Common stock, no par value; $ 1.00 stated value; 100,000,000 shares authorized at June September 30, 2026, December 31, 2025 and June September 30, 2025; 67,581,486 67,598,628 shares issued at June September 30, 2026, 67,062,182 shares issued at December 31, 2025 and 67,025,001 67,042,228 shares issued at June September 30, 2025

Surplus 2,574,253 2,534,024 2,521,306

Treasury stock, at cost, 126,072 126,169 shares at June September 30, 2026, and 87,269 shares at December 31, 2025 and June 81,019 shares at September 30, 2025 ( 14,882 14,897 ) ( 9,156 ) ( 9,156 9,150 )

Retained earnings 5,101,367 4,537,539 4,356,367

Accumulated other comprehensive loss ( 863,776 ) ( 295,754 ) ( 314,808 )

Total shareholders' equity 7,525,116 7,289,546 7,258,715 7,225,696 7,045,757

Total liabilities and shareholders' equity $ 74,668,135 75,971,620 $ 71,142,046 $ 68,983,318 69,629,638

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Interest and fees on loans $ 822,981 $ 797,997 $ 1,620,870 $ 1,566,359

Mortgage loans held-for-sale 6,169 4,872 10,784 9,118

Interest-bearing deposits with banks 20,916 34,317 40,066 71,083

Investment securities 105,716 78,053 205,994 150,069

Three Months Ended Six Nine Months Ended

(Dollars in thousands, except per share data) June September 30,

Interest and fees on loans $ 853,299 $ 832,140 $ 2,474,169 $ 2,398,499

Mortgage loans held-for-sale 5,761 4,757 16,545 13,875

Interest-bearing deposits with banks 25,595 34,992 65,661 106,075

Federal funds sold and securities purchased under resale agreements 5 276 69 455 1 75 70 530

Investment securities 112,273 86,426 318,267 236,495

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Federal Home Loan Bank and Federal Reserve Bank stock 5,625 5,393 11,189 10,700 5,932 5,444 17,121 16,144

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Total interest income 961,412 920,908 1,888,972 1,807,873

Interest on deposits 325,033 333,470 634,220 653,703

Interest on Federal Home Loan Bank advances 28,218 25,724 55,919 51,165

Interest on other borrowings 3,121 6,957 7,147 13,749

Interest on subordinated notes 3,739 3,735 7,458 7,449

Interest on junior subordinated debentures 3,935 4,328 7,838 8,639

Total interest expense 364,046 374,214 712,582 734,705

Net interest income 597,366 546,694 1,176,390 1,073,168

Provision for credit losses 23,134 22,234 52,728 46,197

Net interest income after provision for credit losses 574,232 524,460 1,123,662 1,026,971

Wealth management 39,883 36,821 81,942 70,863

Mortgage banking 27,438 23,170 50,834 43,699

Service charges on deposit accounts 21,240 19,502 42,210 38,864

Gains on investment securities, net 1,845 650 1,814 3,846

Fees from covered call options 4,793 5,624 9,462 9,070

Trading gains, net 70 151 80 87

Operating lease income, net 18,804 15,166 37,958 30,453

Other 27,196 23,005 51,111 43,841

Total non-interest income 141,269 124,089 275,411 240,723

Total interest income 1,002,861 963,834 2,891,833 2,771,707

Interest on deposits 341,017 355,846 975,237 1,009,549

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MD&A 757 changes

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The following discussion and analysis of the financial condition of Wintrust Financial Corporation and its subsidiaries (collectively, "Wintrust" or the "Company") as of June September 30, 2026 compared with December 31, 2025 and June September 30, 2025, and the results of operations for the three and six nine month periods ended June September 30, 2026 and June September 30, 2025, should be read in conjunction with the unaudited consolidated financial statements and notes contained in this report and the risk factors discussed under Item 1A of the Company's Annual Report on Form 10-K for the year ended December 31, 2025 ("2025 Form 10-K") and in Part II, Item 1A, of this Form 10-Q. This discussion contains forward-looking statements that involve risks and uncertainties and, as such, future results could differ significantly from management's current expectations. See the last section of this discussion for further information on forward-looking statements.

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The Company recorded net income of $233.7 million for the second quarter of 2026 compared to $195.5 million in the second quarter of 2025. The results for the second quarter of 2026 demonstrate increased net interest income due to growth in earning assets as well as the Company's ability to navigate disruptions in the current economic environment during the period due to the

Second Third Quarter Highlights

The Company recorded net income of $239.1 million for the third quarter of 2026 compared to $216.3 million in the third quarter of 2025. The results for the third quarter of 2026 demonstrate increased net interest income due to growth in earning assets as well as the Company's ability to navigate disruptions in the current economic environment during the period due to the Company's strong deposit franchise and balanced business model. Partially offsetting the increase in net interest income was an increase in non-interest expense. The increase in non-interest expense was a result of additional expenses to support growth. Comprehensive income includes 1) net income as presented on the Company's Consolidated Statements of Income and 2) other comprehensive income or loss from unrealized gains and losses on the Company's available-for-sale investment securities portfolios and derivative contracts designated as cash flow hedges as well as foreign currency translation adjustments. Comprehensive income totaled $179.7 $203.9 million for the second third quarter of 2026 compared to $239.3 $267.7 million for the second third quarter of 2025.

The Company increased its loan portfolio from $51.0 $52.1 billion at June September 30, 2025 and $53.1 billion at December 31, 2025 to $55.7 $56.8 billion at June September 30, 2026. The increase in the current period compared to the prior periods was a result of growth across all major loan categories. For more information regarding changes in the Company's loan portfolio, see Financial Condition – Interest Earning Assets and Note (6) (5) "Loans" of the Consolidated Financial Statements in Item 1 of this report.

The Company recorded net interest income of $597.4 $621.6 million in the second third quarter of 2026 compared to $546.7 $567.0 million in the second third quarter of 2025. This increase in net interest income recorded in the second third quarter of 2026 compared to the second third quarter of 2025 resulted primarily from growth in earning assets, specifically a $5.0 $4.6 billion increase in average loans. Net interest margin was 3.50% (3.52% 3.49% (3.51% on a fully taxable-equivalent basis, non-GAAP) in the second third quarter of 2026 compared to 3.52% (3.54% 3.48% (3.50% on a fully taxable-equivalent basis, non-GAAP) in the second third quarter of 2025. The decrease increase in net interest margin is primarily due to lower rates paid on interest-bearing liabilities partially offset by lower loan yields (see "Net Interest Income" for further detail).

Non-interest income totaled $141.3 $136.3 million in the second third quarter of 2026 compared to $124.1 $130.8 million in the second third quarter of 2025. The increase in the third quarter of 2026 is primarily due to an increase in mortgage banking wealth management revenue of $4.3 $3.8 million, an increase in operating lease income of $3.6 $3.0 million, and an increase in wealth management revenue service charges on deposit accounts of $3.1 $2.3 million in the second quarter of 2026 compared to the second third quarter of 2025. This was partially offset by decreased fees from covered call options losses on investment securities in the second third quarter of 2026 compared to the second third quarter of 2025 (see "Non-Interest Income" for further detail).

Non-interest expense totaled $397.5 $405.7 million in the second third quarter of 2026, an increase of $16.1 $25.6 million, or 4%, 7%, compared to the second third quarter of 2025. This increase compared to the second third quarter of 2025 was primarily largely attributable to increased salaries and employee benefits of $14.5 $10.9 million (see "Non-Interest Expense" for further detail).

Management considers the maintenance of adequate liquidity to be important to the management of risk. Accordingly, during the second third quarter of 2026, the Company continued its practice of maintaining appropriate funding capacity to provide the Company with adequate liquidity for its ongoing operations. In this regard, the Company benefited from its strong deposit base, a liquid investment portfolio and its access to funding from a variety of external funding sources. See "Shareholders' Equity", "Deposits" and "Other Funding Sources" for additional information regarding liquidity sources.

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The Company's key operating measures and growth rates for the three and six nine months ended June September 30, 2026, as compared to the same periods last year, are shown below:

(Dollars in thousands, except per share data) June September 30,

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Net income $ 233,693 $ 195,527 20 %

Net income $ 239,054 $ 216,254 11 %

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Net interest income 597,366 546,694 9

Net interest margin 3.50 % 3.52 % (2) bps

Net income per common share—Diluted 3.30 3.37 2.78 19 21

Net interest income 621,604 567,010 10

Net interest margin 3.49 % 3.48 % 1 bps

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Return on average assets 1.30 1.19 11 1.27 1.26 1

Return on average common equity 12.82 12.07 75 12.83 11.58 125

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(Dollars in thousands, except per share data) June September 30,

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Net income $ 461,081 $ 384,566 20 %

Net income $ 700,135 $ 600,820 17 %

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Net interest income 1,176,390 1,073,168 10

Net interest margin 3.52 % 3.53 % (1) bps

Net income per common share—Diluted 6.52 5.47 19 9.89 8.25 20

Net interest income 1,797,994 1,640,178 10

Net interest margin 3.51 % 3.51 % — bps

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Return on average assets 1.31 1.19 12 1.30 1.22 8

Return on average common equity 12.79 12.14 65 12.80 11.94 86

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Total assets $ 74,668,135 $ 68,983,318 8 %

Total deposits 61,141,275 55,816,811 10

Total shareholders' equity 7,525,116 7,225,696 4

Total assets $ 75,971,620 $ 69,629,638 9 %

Total loans, excluding loans held-for-sale 55,654,947 51,041,679 56,804,571 52,063,482 9

Total loans, including loans held-for-sale 56,062,442 51,341,285 57,112,319 52,397,365 9

Total deposits 62,435,216 56,711,381 10

Total shareholders' equity 7,289,546 7,045,757 3

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Market price per common share 160.72 123.98 30

Tangible common book value per share (non-GAAP) (1)

Market price per common share 141.82 132.44 7

Allowance for loan and unfunded lending-related commitment losses to total loans 0.86 % 0.90 0.87 % (4) (1) bps (1) See following section titled "Supplemental Non-GAAP Financial Measures/Ratios" for additional information on this performance measure/ratio.

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Management reviews yields on certain asset categories and the net interest margin of the Company and its banking subsidiaries on a fully taxable-equivalent ("FTE") basis. In this non-GAAP presentation, net interest income is adjusted to reflect tax-exempt interest income on an equivalent before-tax basis using tax rates effective as of the end of the period. This measure ensures comparability of net interest income arising from both taxable and tax-exempt sources. Net interest income on a an FTE basis is also used in the calculation of the Company's efficiency ratio. The efficiency ratio, which is calculated by dividing non-interest expense by total taxable-equivalent net revenue (less securities gains or losses), measures how much it costs to produce one dollar of revenue. Securities gains or losses are excluded from this calculation to better match revenue from daily operations to operational expenses. Management considers the tangible common equity ratio and tangible book value per common share as useful measurements of the Company's equity. The Company references the return on average tangible common equity as a measurement of profitability. Management considers pre-tax income, excluding provision for credit losses as a useful measurement of the Company's core net income.

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June 30, March 31, June 30, June 30, June 30,

Three Months Ended Six Nine Months Ended

September 30, June 30, September 30, September 30, September 30, (Dollars and shares in thousands) 2026 2026 2025 2026 2025

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(A) Interest Income (GAAP) $ 961,412 $ 927,560 $ 920,908 $ 1,888,972 $ 1,807,873

(A) Interest Income (GAAP) $ 1,002,861 $ 961,412 $ 963,834 $ 2,891,833 $ 2,771,707

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- Liquidity Management Assets 630 586 680 1,216 1,370

- Liquidity Management Assets 610 630 675 1,826 2,045

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(B) Interest Income (non-GAAP) $ 964,153 $ 930,172 $ 923,788 $ 1,894,325 $ 1,813,652 (C) Interest Expense (GAAP) 364,046 348,536 374,214 712,582 734,705 (D) Net Interest Income (GAAP) (A minus C) 597,366 579,024 546,694 1,176,390 1,073,168 (E) Net Interest Income, fully taxable-equivalent (non-GAAP) (B minus C) 600,107 581,636 549,574 1,181,743 1,078,947

Net interest margin, fully taxable-equivalent (non-GAAP) 3.52 3.56 3.54 3.54 3.55 (F) Non-interest income $ 141,269 $ 134,142 $ 124,089 $ 275,411 $ 240,723 (G) Gains (losses) on investment securities, net 1,845 (31) 650 1,814 3,846 (H) Non-interest expense 397,537 382,632 381,461 780,169 747,551

(B) Interest Income (non-GAAP) $ 1,005,622 $ 964,153 $ 966,663 $ 2,899,947 $ 2,780,315 (C) Interest Expense (GAAP) 381,257 364,046 396,824 1,093,839 1,131,529 (D) Net Interest Income (GAAP) (A minus C) 621,604 597,366 567,010 1,797,994 1,640,178 (E) Net Interest Income, fully taxable-equivalent (non-GAAP) (B minus C) 624,365 600,107 569,839 1,806,108 1,648,786

Net interest margin (GAAP) 3.50 3.49 % 3.54 3.50 % 3.52 3.48 % 3.52 3.51 % 3.53 3.51 %

Net interest margin, fully taxable-equivalent (non-GAAP) 3.51 3.52 3.50 3.53 3.53 (F) Non-interest income $ 136,273 $ 141,269 $ 130,827 $ 411,684 $ 371,550 (G) (Losses) gains on investment securities, net (1,621) 1,845 2,972 193 6,818 (H) Non-interest expense 405,665 397,537 380,028 1,185,834 1,127,579

Efficiency ratio (H/(D+F-G)) 53.96 53.41 % 53.65 53.96 % 56.92 54.69 % 53.81 53.67 % 57.06 56.24 %

Efficiency ratio (non-GAAP) (H/(E+F-G)) 53.22 53.76 53.45 56.68 53.61 56.81 54.47 53.47 56.00

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Total shareholders' equity (GAAP) $ 7,525,116 7,289,546 $ 7,378,100 7,525,116 $ 7,225,696 7,045,757

Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (837,500) (425,000)

Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (908,639) (902,936)

(I) Total tangible common shareholders' equity (non-GAAP) $ 6,214,778 5,949,852 $ 6,062,402 6,214,778 $ 5,479,557 5,717,821 (J) Total assets (GAAP) $ 74,668,135 75,971,620 $ 72,157,433 74,668,135 $ 68,983,318 69,629,638

Less: Acquisition-related intangible assets (GAAP) (914,694) (885,338) (890,698) (908,639) (902,936)

(K) Total tangible assets (non-GAAP) $ 73,782,797 75,056,926 $ 71,266,735 73,782,797 $ 68,074,679 68,726,702

Common equity to assets ratio (GAAP) (L/J) 9.5 9.0 % 9.6 9.5 % 9.3 9.5 %

Tangible common equity ratio (non-GAAP) (I/K) 7.9 8.4 8.5 8.0 8.3

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Total shareholders' equity $ 7,525,116 7,289,546 $ 7,378,100 7,525,116 $ 7,225,696 7,045,757

Less: Non-convertible preferred stock (GAAP) (425,000) (425,000) (837,500) (425,000)

(L) Total common equity $ 7,100,116 6,864,546 $ 6,953,100 7,100,116 $ 6,388,196 6,620,757

(M) Actual common shares outstanding 67,472 67,455 67,437 66,938 66,961

Book value per common share (L/M) $ 105.26 101.74 $ 103.10 105.26 $ 95.43 98.87

Tangible book value per common share (non-GAAP) (I/M) 88.18 92.13 89.90 81.86 85.39

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(N) Net income applicable to common shares $ 225,326 $ 219,021 $ 188,536 $ 444,347 $ 370,584

Total average shareholders' equity $ 7,474,449 $ 7,387,713 $ 6,862,040 $ 7,431,321 $ 6,662,598

Less: Average acquisition-related intangible assets (889,059) (894,211) (910,924) (891,620) (913,483)

(N) Net income applicable to common shares $ 230,687 $ 225,326 $ 188,913 $ 675,034 $ 559,497

Add: Acquisition-related intangible asset amortization 4,686 4,921 4,958 5,580 9,879 11,198 5,196 14,565 16,394

Less: Tax effect of acquisition-related intangible asset amortization (1,251) (1,304) (1,210) (1,495) (2,519) (2,923) (1,403) (3,772) (4,328)

After-tax acquisition-related intangible asset amortization $ 3,617 3,435 $ 3,748 3,617 $ 4,085 3,793 $ 7,360 10,793 $ 8,275 12,066 (O) Tangible net income applicable to common shares (non-GAAP) $ 228,943 234,122 $ 222,769 228,943 $ 192,621 192,706 $ 451,707 685,827 $ 378,859 571,563

Total average shareholders' equity $ 7,558,263 $ 7,474,449 $ 6,955,543 $ 7,474,100 $ 6,761,319

Less: Average preferred stock (425,000) (425,000) (599,313) (483,288) (425,000) (506,423) (498,626)

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and 677 more changes in the filing

Market risk 10 changes

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The following interest rate scenarios display the percentage change in net interest income over a one-year time horizon assuming increases and decreases of 100 and 200 basis points as compared to projected net interest income in a scenario with no assumed rate changes. The Static Shock Scenario results incorporate actual cash flows and repricing characteristics for balance sheet instruments following an instantaneous, parallel change in market rates based upon a static (i.e. no growth or constant) balance sheet. Conversely, the Ramp Scenario results incorporate management's projections of future volume and pricing of each of the product lines following a gradual, parallel change in market rates over twelve months. Actual results may differ from these simulated results due to timing, magnitude, and frequency of interest rate changes as well as changes in market conditions and management strategies. The interest rate sensitivity for both the Static Shock and Ramp Scenarios at June September 30, 2026, March 31, June 30, 2026 and June September 30, 2025 is as follows:

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September 30, 2026 (2.9) % (1.6) % 0.3 % 0.1 %

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March 31, 2026 (0.8) (0.1) (1.0) (1.9) %

June 30, 2025 (1.5) (0.4) (0.2) (1.2) %

September 30, 2025 (2.3) (0.8) 0.0 (0.4) %

September 30, 2026 (2.2) % (1.3) % 0.5 % 1.2 %

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March 31, 2026 (0.1) 0.0 (0.1) (0.3) %

June September 30, 2025 0.0 0.0 (0.2) (0.1) (0.4) 0.1 (0.1) %

One method utilized by financial institutions, including the Company, to manage interest rate risk is to enter into derivative financial instruments. Derivative financial instruments include interest rate swaps, interest rate caps, floors and collars, futures, forwards, option contracts and other financial instruments with similar characteristics. Additionally, the Company enters into commitments to fund certain mortgage loans (interest rate locks) to be sold into the secondary market and forward commitments for the future delivery of mortgage loans to third party investors. See Note (14) (13) "Derivative Financial Instruments" of the Consolidated Financial Statements in Item 1 of this report for further information on the Company's derivative financial instruments.

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Periodically, the Company enters into certain covered call option transactions related to certain securities held by the Company. The Company uses these option transactions (rather than entering into other derivative interest rate contracts, such as interest rate floors) to economically hedge positions and compensate for net interest margin compression by increasing the total return associated with the related securities through fees generated from these options. Although the revenue received from these options is recorded as non-interest income rather than interest income, the increased return attributable to the related securities from these options contributes to the Company's overall profitability. The Company's exposure to interest rate risk may be impacted by these transactions. To further mitigate this risk, the Company may acquire fixed-rate term debt or use financial derivative instruments. There were no covered call options outstanding as of June September 30, 2026 and June September 30, 2025. See Note (14) (13) "Derivative Financial Instruments" of the Consolidated Financial Statements in Item 1 of this report for further information on the Company's fees from covered call options for the six nine months ended June September 30, 2026 and June September 30, 2025.

Legal proceedings 1 change

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On May 25, 2022, a Wintrust Mortgage customer filed a putative class action and asserted individual claims against Wintrust Mortgage and Wintrust Financial Corporation in the District Court for the Northern District of Illinois. Plaintiff alleged that Wintrust Mortgage discriminated against black/African American borrowers and brings class claims under the Equal Credit Opportunity Act, Sections 1981 and 1982 under Chapter 42 of the United States Code; and the Fair Housing Act of 1968. Plaintiff also asserted individual claims under theories of promissory estoppel, fraudulent inducement, and breach of contract. On September 23, 2022, Wintrust filed a motion to dismiss the entire suit and the court granted that motion to dismiss on September 27, 2023 and gave Plaintiff until October 20, 2023 to file an amended complaint. Plaintiff timely filed an amended complaint. Wintrust moved to dismiss the amended complaint on November 21, 2023 and on February 5, 2026, the court granted Wintrust's motion with prejudice. Plaintiff filed an appeal of the second dismissal with the United States Court of Appeals for the Seventh Circuit. Briefing of the appeal is expected to conclude by the end of the third quarter of was completed on August 21, 2026. Oral argument has not yet been scheduled.

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Unregistered sales of stock 1 change

No purchases of the Company's common shares were made by or on behalf of the Company or any "affiliated purchaser" as defined in Rule 10b-18(a)(3) under the Exchange Act, as amended, during the six nine months ended June September 30, 2026.

Other information 1 change

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During the three months ended June September 30, 2026 , none of our directors or officers adopted or terminated a Rule 10b5-1 trading plan or adopted or terminated a non-Rule 10b5-1 trading arrangement (as each term is defined in Item 408(a) of Regulation S-K under the Exchange Act).

Exhibits 3 changes

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(1) Includes the following financial information included in the Company's Quarterly Report on Form 10-Q for the quarter ended June September 30, 2026, formatted in iXBRL (Inline eXtensible Business Reporting Language): (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Shareholders' Equity, (v) the Consolidated Statements of Cash Flows, and (vi) Notes to Consolidated Financial Statements

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Date: August 5, November 4, 2026 /s/ DAVID L. STOEHR

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Date: August 5, November 4, 2026 /s/ JEFFREY D. HAHNFELD

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