Every material Form 8-K Wintrust Financial filed with the SEC in 2025, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Wintrust's indirect subsidiary First Insurance Funding of Canada amended its receivables purchase agreement with Plaza Trust, extending the commitment maturity date to December 15, 2026 and reducing the facility limit from $650 million to $580 million. Wintrust also confirmed a performance guarantee of First Canada's obligations under the agreement. The filing describes a routine financing renewal with a smaller limit, with no change in reported financial results.
Facility limit decreased from $650 million to $580 million
Commitment maturity date extended to December 15, 2026
Wintrust confirmed a performance guarantee of First Canada's obligations under the agreement
Fee letter dated August 29, 2024 replaced with a new fee letter dated December 15, 2025
Wintrust Financial entered into two amendments to its credit agreement on December 4, 2025, extending the revolving credit maturity date and lowering the commitment fee on unused revolver capacity. The filing discloses no borrowing amounts or new facility size, so the changes are primarily administrative terms for the existing credit line.
Fourth Amendment extends the Revolving Credit Maturity Date from December 5, 2025, to December 3, 2026
Fifth Amendment cuts the commitment fee on unused Revolving Credit Commitment from 0.30% to 0.25% per annum
Fourth Amendment adds outbound investment rule provisions and confidentiality language
Agreements are with U.S. Bank National Association as administrative agent
Wintrust Financial reported third-quarter 2025 net income of $216.3 million, or $2.78 per diluted share, up from $170.0 million a year earlier but flat on the per-share measure from the second quarter. Net income for the first nine months rose to $600.8 million, or $8.25 per diluted share, versus $509.7 million, or $7.67, a year earlier. Shareholders should note that third-quarter per-share earnings absorbed one-time preferred stock charges, which the company says excluding would have produced $3.06 per diluted share.
Q3 2025 net income was $216.3 million, up 11% from $195.5 million in Q2 2025 and up 27% from $170.0 million in Q3 2024.
Diluted EPS was $2.78 in both Q3 2025 and Q2 2025, and $2.47 in Q3 2024; non-GAAP EPS excluding one-time preferred stock impacts was $3.06.
Net interest income rose $20.3 million to $567.0 million, while net interest margin fell four basis points to 3.48%.
Net charge-offs increased to $24.6 million from $13.3 million in Q2 2025, while non-performing loans fell to $162.6 million from $188.8 million.
Wintrust Financial Corporation's board appointed Laura Kohl and David S. Richter as directors effective October 1, 2025, bringing the board to 14 members. The filing states both were determined to be independent under Nasdaq listing standards and were assigned to board committees.
Laura Kohl, Chief Information Officer at Morningstar, Inc., will serve on the Risk Management Committee and the Information Technology & Information Security Committee.
David S. Richter, Managing Director at GCM Grosvenor, will serve on the Audit Committee and the Finance Committee.
The board now has 14 members, according to the press release attached as Exhibit 99.1, dated October 2, 2025.
The filing states neither director is party to a related-person transaction reportable under Item 404(a) of Regulation S-K.
Wintrust Financial reported record net income of $195.5 million, or $2.78 per diluted share, for the second quarter of 2025, up from $189.0 million, or $2.69 per share, in the first quarter. Net interest income rose to $546.7 million, while the net interest margin eased two basis points to 3.52%. Management said it expects net interest income to rise further in the third quarter.
Second-quarter net income was $195.5 million, or $2.78 per diluted share, versus $189.0 million, or $2.69, in the first quarter of 2025.
Net income for the first six months of 2025 was $384.6 million, or $5.47 per diluted share, compared with $339.7 million, or $5.21, a year earlier.
Net interest income was $546.7 million, up from $526.5 million in the first quarter, while the net interest margin was 3.52%, down from 3.54%.
Provision for credit losses was $22.2 million, down from $24.0 million in the first quarter of 2025.
Wintrust Financial Corp. disclosed that director Richard L. Postma resigned from its Board of Directors on June 11, 2025, effective immediately. The company said he resigned for personal reasons and not because of any disagreement over its operations, policies or practices.
Director Richard L. Postma submitted his resignation on June 11, 2025.
The resignation took effect immediately.
The company states it was for personal reasons, with no disagreement on operations, policies or practices.
The 8-K was signed by Kathleen M. Boege on June 13, 2025.
At its May 22, 2025 Annual Meeting, Wintrust Financial shareholders approved the company's 2025 Stock Incentive Plan, which authorizes 1,825,000 shares plus any shares available under the 2022 plan for stock-based awards to officers, employees, directors and consultants. Shareholders also elected all 13 director nominees, approved a non-binding vote on 2024 executive compensation, and ratified Ernst & Young LLP as the independent auditor for fiscal 2025.
Shareholders approved the 2025 Stock Incentive Plan, with 58,602,881 votes for and 1,368,755 against
The plan authorizes 1,825,000 shares plus shares available under the 2022 Stock Incentive Plan as of the plan's effective date
All 13 director nominees were elected at the May 22, 2025 Annual Meeting
Ernst & Young LLP was ratified as independent registered public accounting firm for fiscal 2025, with 59,591,767 votes for and 3,206,601 against
Wintrust Financial Corporation reported first-quarter 2025 net income of $189.0 million, or $2.69 per diluted share, up from $185.4 million, or $2.63 per diluted share, in the fourth quarter of 2024. The company said this was a record quarterly net income, though diluted EPS was below the $2.89 reported in the first quarter of 2024.
Net income of $189.0 million, or $2.69 per diluted share, for Q1 2025, compared with $2.63 per diluted share in Q4 2024 and $2.89 in Q1 2024
Net interest income rose to $526.5 million, and net interest margin increased to 3.54% from 3.49% in Q4 2024
Total deposits increased by about $1.1 billion and total loans increased by $653 million in the quarter
Provision for credit losses was $24.0 million, up from $17.0 million in Q4 2024, while net charge-offs fell to $12.6 million
Wintrust Financial Corporation reported 2024 net income of $695.0 million, or $10.31 per diluted share, up from $622.6 million, or $9.58 per diluted share, in 2023, and described the result as a record full year. For the fourth quarter, net income was $185.4 million, or $2.63 per diluted share, compared with $170.0 million, or $2.47 per diluted share, in the third quarter, so per-share earnings rose from the prior quarter. The results were furnished in a Form 8-K with an earnings release and presentation dated January 21, 2025.
Full-year 2024 net income was $695.0 million, or $10.31 per diluted share, versus $622.6 million, or $9.58 per diluted share, in 2023.
Fourth-quarter 2024 net income was $185.4 million, or $2.63 per diluted share, versus $170.0 million, or $2.47 per diluted share, in the third quarter of 2024.
Net interest margin was 3.49% in the fourth quarter, unchanged from the third quarter, while net charge-offs fell to $15.9 million from $26.7 million.
The Macatawa Bank acquisition, completed August 1, 2024, added approximately $15.8 million of operating expenses in the fourth quarter.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Wintrust Financial filing is on SEC EDGAR ↗. 8-K briefs of other companies →