---
schema_version: "secwatch.filing_event.v1"
accession: "0001015328-25-000211"
form_type: "8-K"
ticker: "WTFC"
cik: "0001015328"
company_name: "WINTRUST FINANCIAL CORP"
filed_at: "2025-12-08T23:59:59+00:00"
generated_at: "2026-05-16T13:54:33.818731+00:00"
event_type: "debt"
sentiment: "positive"
materiality_score: 0.45
calibrated_materiality_score: 0.45
confidence: "high"
source: SEC EDGAR
---

# Wintrust extends revolver maturity to Dec 2026; cuts commitment fee to 0.25%

## Summary
- Fourth Amendment extends Revolving Credit Maturity Date from Dec 5, 2025 to Dec 3, 2026.
- Fifth Amendment reduces Commitment Fee on unused revolver from 0.30% to 0.25% per annum.
- Amendments add outbound investment rule compliance covenants and update confidentiality provisions.
- Facility remains a $1.25B unsecured revolving credit line with same lender group.

## SEC filing metadata
- accession: 0001015328-25-000211
- form_type: 8-K
- ticker: WTFC
- cik: 0001015328
- company_name: WINTRUST FINANCIAL CORP
- filed_at: 2025-12-08T23:59:59+00:00
- event_type: debt
- sentiment: positive
- materiality_score: 0.45
- calibrated_materiality_score: 0.45
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1015328/000101532825000211/0001015328-25-000211-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1015328/000101532825000211/wtfc-20251204.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001015328-25-000211
- JSON: https://secwatch.observer/filing/0001015328-25-000211.json
- Plain text: https://secwatch.observer/filing/0001015328-25-000211.txt

## Key facts
- Material Agreements
  WINTRUST FINANCIAL CORP amended Fourth Amendment to Amended and Restated Credit Agreement with U.S. Bank National Association, as administrative agent, and the lenders named therein (effective 2025-12-04).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: U.S. Bank National Association, as administrative agent, and the lenders named therein
  - Effective: 2025-12-04
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1015328/000101532825000211/0001015328-25-000211-index.htm
- Material Agreements
  WINTRUST FINANCIAL CORP amended Fifth Amendment to Amended and Restated Credit Agreement with U.S. Bank National Association, as administrative agent, and the Revolving Credit Lenders named therein (effective 2025-12-04).
  - Action: amendment
  - Agreement: credit facility
  - Counterparty: U.S. Bank National Association, as administrative agent, and the Revolving Credit Lenders named therein
  - Effective: 2025-12-04
  source text: 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.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1015328/000101532825000211/0001015328-25-000211-index.htm

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