Deposits (Tables)

12 Months Ended

Dec. 31, 2025

The following is a summary of deposits at December 31, 2025 and 2024:


(Dollars in thousands)	2025			2024
Balance:
Non-interest bearing	$	11,423,701		$	11,410,018
NOW and interest-bearing demand deposits	6,233,753			5,865,546
Wealth management deposits	1,907,647			1,469,064
Money market	21,368,924			17,975,191
Savings	6,905,216			6,372,499
Time certificates of deposit	9,877,950			9,420,031
Total deposits	$	57,717,191		$	52,512,349
Mix:
Non-interest bearing	20		%	22		%
NOW and interest-bearing demand deposits	11			11
Wealth management deposits	3			3
Money market	37			34
Savings	12			12
Time certificates of deposit	17			18
Total deposits	100		%	100		%

Schedule of Maturities of Time Certificates of Deposit

The scheduled maturities of time certificates of deposit at December 31, 2025 and 2024 are as follows:


(In thousands)	2025		2024
Due within one year	$	9,443,038	$	9,061,295
Due in one to two years	361,555		281,239
Due in two to three years	56,526		53,009
Due in three to four years	11,296		14,316
Due in four to five years	5,351		10,104
Due after five years	184		68
Total time certificate of deposits	$	9,877,950	$	9,420,031

Schedule of Maturities of Uninsured Deposits Exceeding FDIC Insurance $250,000 Limit

The following table sets forth the scheduled maturities of uninsured time deposits, specifically the portion of time deposit balances in excess of the FDIC insurance limit of $250,000, at December 31, 2025 and 2024:


(In thousands)	2025		2024
Maturing within three months	$	732,812	$	774,312
After three but within six months	721,352		926,997
After six but within 12 months	711,506		490,231
After 12 months	67,584		54,691
Total	$	2,233,254	$	2,246,231

WINTRUST FINANCIAL CORP 10-K