Wintrust Financial Corp 8-K Filing

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Filing Documents

• wtfc-20251204.htm (8-K) — 35KB
• ex1014thamdtoarcreditagree.htm (EX-10.1) — 56KB
• ex1025thamdtoarcreditagree.htm (EX-10.2) — 39KB
• 0001015328-25-000211.txt ( ) — 303KB
• wtfc-20251204.xsd (EX-101.SCH) — 2KB
• wtfc-20251204_def.xml (EX-101.DEF) — 15KB
• wtfc-20251204_lab.xml (EX-101.LAB) — 27KB
• wtfc-20251204_pre.xml (EX-101.PRE) — 16KB
• wtfc-20251204_htm.xml (XML) — 4KB

01. Entry into a Material Definitive Agreement

Item 1.01. Entry into a Material Definitive Agreement. On December 4, 2025, Wintrust Financial Corporation ("Wintrust") entered into the Fourth Amendment to Amended and Restated Credit Agreement dated December 4, 2025 (the "Fourth Amendment"), among Wintrust, the lenders named therein, and U.S. Bank National Association, as administrative agent. Capitalized terms used but not defined herein shall have the respective meanings ascribed to them by the Amended and Restated Credit Agreement dated December 12, 2022 (as amended, the "Amended and Restated Credit Agreement"), among Wintrust, the lenders named therein, and U.S. Bank National Association, as administrative agent. Additionally, on December 4, 2025, Wintrust entered into the Fifth Amendment to Amended and Restated Credit Agreement dated December 4, 2025 (the "Fifth Amendment"), among Wintrust, the Revolving Credit Lenders named therein, and U.S. Bank National Association, as administrative agent. The Fourth Amendment provides for, among other things, (a) the addition of customary outbound investment rule provisions in accordance with new U.S. regulations relating to restricting certain investments abroad; (b) the inclusion of certain protective language within the existing confidentiality provision; and (c) the extension of the Revolving Credit Maturity Date from December 5, 2025, to December 3, 2026. In addition, the Fifth Amendment provides for a decrease in the Commitment Fee applicable to the unused portion of the Revolving Credit Commitment from 0.30% per annum to 0.25% per annum. The foregoing descriptions of the Fourth Amendment and Fifth Amendment are qualified in their entirety by the full text of such agreements, which are attached hereto as Exhibits 10.1 and 10.2, and are incorporated herein by reference. Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in Item 1.01 is incorporated by referenc

01. Financial Statements and Exhibits

Item 9.01. Financial Statements and Exhibits. (d) Exhibits Exhibit No. Description 10.1 Fo urth Amendment to Amended and Restated Credit Agreemen t, dated D e cem ber 4 , 202 5 , amo ng Wintrust Financial Corporation , as Borrower, each lender party hereto, as Lenders, and U.S. Bank National Asso ciation, as Administrat ive Ag ent for the Lenders. 10.2 Fifth Amendment to Amended and Restated Credit Agreement, dated De cember 4, 2025, amon g Wintrust Finan cial C orporation, as Borr ower , each lender party hereto, the Lenders, and U.S . Bank National Association, as Administrative Agen t for the Lenders. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) Schedules have been omitted pursuant to Item 601(b)(2) of Regulation S-K. Wintrust agrees to furnish supplementally a copy of any omitted schedules or exhibits to the Securities and Exchange Commission upon request. Signature Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. WINTRUST FINANCIAL CORPORATION (Registrant) By: /s/Kathleen M. Boege Kathleen M. Boege Executive Vice President, Chief Legal Officer and Corporate Secretary Date: December 8, 2025

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