---
schema_version: "secwatch.filing_event.v1"
accession: "0001015328-22-000195"
form_type: "8-K"
ticker: "WTFC"
cik: "0001015328"
company_name: "WINTRUST FINANCIAL CORP"
filed_at: "2022-12-15T23:59:59+00:00"
generated_at: "2026-06-21T03:52:27.221134+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Wintrust amends credit agreement: term loan raised to $200M, maturity extended to 2027

## Summary
- Term loan facility increased from $150M to $200M; revolving facility remains $100M.
- Term loan maturity extended to December 12, 2027; revolver to December 11, 2023.
- Applicable margin on SOFR loans increased from 1.55% to 1.60%.
- Outstanding existing term loan paid in full upon amendment.
- Loans secured by equity interests in bank subsidiaries; covenants include capital adequacy, asset quality.

## SEC filing metadata
- accession: 0001015328-22-000195
- form_type: 8-K
- ticker: WTFC
- cik: 0001015328
- company_name: WINTRUST FINANCIAL CORP
- filed_at: 2022-12-15T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1015328/000101532822000195/0001015328-22-000195-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1015328/000101532822000195/wtfc-20221212.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001015328-22-000195
- JSON: https://secwatch.observer/filing/0001015328-22-000195.json
- Plain text: https://secwatch.observer/filing/0001015328-22-000195.txt

## Key facts
- Material Agreements
  WINTRUST FINANCIAL CORP amended Amended and Restated Credit Agreement with the unaffiliated banks named therein as lenders, and Wells Fargo Bank, National Association, as administrative agent for the lenders valued at $200.0 million (effective 2022-12-12).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: the unaffiliated banks named therein as lenders, and Wells Fargo Bank, National Association, as administrative agent for the lenders
  - Value: $200.0 million
  - Effective: 2022-12-12
  source text: On December 12, 2022, Wintrust Financial Corporation ("Wintrust") entered into an amendment and restatement of the Credit Agreement pursuant to the Amended and Restated Credit Agreement dated as of December 12, 2022, among the Company, the unaffiliated banks named therein as lenders, and Wells Fargo Bank, National Association, as administrative agent for the lenders (the "Amended and Restated Credit Agreement").
  evidence_url: https://www.sec.gov/Archives/edgar/data/1015328/000101532822000195/0001015328-22-000195-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.