SUMMARY

This summary highlights selected information in this proxy statement/prospectus and may not contain all of the information that is important to you. To understand the merger more fully, you should read this entire proxy statement/prospectus carefully, including the annexes and the documents referred to or incorporated in this proxy statement/prospectus. A copy of the merger agreement is attached as Annex AA-1 and a copy of the amendment to the merger agreement is attached as Annex A-2 to this proxy statement/prospectus and each is incorporated by reference herein. See “Where You Can Find More Information” beginning on page 78.87.

Information about Wintrust and DelavanSTC(See (See page 27)29)

Wintrust Financial Corporation

9700 W. Higgins Road, Suite 800

Rosemont, Illinois 60018

(847) 939-9000

Wintrust Financial Corporation, an Illinois corporation, which we refer to as Wintrust, was incorporated in 1992 and is a financial holding company based in Rosemont, Illinois. Wintrust provides community-oriented, personal and commercial banking services to customers located primarily in the Chicago metropolitan area, southern Wisconsin and in southeastern Wisconsinnorthwest Indiana through its fifteen wholly-owned banking subsidiaries, as well as the origination and purchase of residential mortgages for sale into the secondary market through Wintrust Mortgage, a division of Barrington Bank and Trust Company, N.A. Wintrust provides specialty finance services, including financing for the payment of commercial insurance premiums and life insurance premiums on a national basis through FIRST Insurance Funding, a division of its wholly-owned subsidiary First Insurance Funding CorporationLake Forest Bank & Trust Company, N.A., which we refer to as Lake Forest Bank, and Wintrust Life Finance, a division of Lake Forest Bank, and in Canada through its Canadian premium finance company, First Insurance Funding of Canada, lease financing and other direct leasing opportunities through its wholly-owned subsidiary, Wintrust Asset Finance, and short-term accounts receivable financing and outsourced administrative services through its wholly-owned subsidiary, Tricom, Inc. of Milwaukee. Wintrust also provides a full range of wealth management services primarily to customers in the Chicago metropolitan area, southern Wisconsin and in southeastern Wisconsinnorthwest Indiana through threefour separate subsidiaries, The Chicago Trust Company, N.A., Wayne HummerWintrust Investments, LLC, and Great Lakes Advisors, LLC and Chicago Deferred Exchange Company, LLC.

As of September 30, 2014,March 31, 2019, Wintrust had total assets of approximately $19.2$32.4 billion, total loans, excluding loans held-for-sale, and covered loans, of approximately $14.1$24.2 billion, total deposits of approximately $16.1$26.8 billion, and total shareholders’ equity of approximately $2.0$3.4 billion.

Wintrust common stock, no par value per share, which we refer to as Wintrust common stock, is traded on NASDAQNasdaq under the ticker symbol “WTFC.” Wintrust’s principal executive office is located at 9700 W. Higgins Road, Suite 800, Rosemont, Illinois 60018, telephone number: (847) 939-9000.

WintrustWTFC STCBC Merger Co.Sub LLC

c/o Wintrust Financial Corporation

9700 W. Higgins Road, Suite 800

Rosemont, Illinois 60018

(847) 939-9000

Wintrust

WTFC STCBC Merger Co., a Wisconsin corporation,Sub LLC, an Illinois limited liability company, which we refer to as Merger Co., is a wholly-owned subsidiary of Wintrust and was formed solely for the purpose of consummating the merger. Merger Co. has not carried on any activities to date, except for activities incidental to its formation and activities undertaken in connection with the merger.

DelavanSTC Bancshares Inc.Corp.
 460 S. 1st Street
St. Charles, Illinois 60174
(630) 377-1555

820 Geneva Street

Delavan, Wisconsin 53115

(866) 848-2265

DelavanSTC Bancshares Inc.Corp., a Wisconsinan Illinois corporation, which we refer to as Delavan,STC, is a bank holding company headquartered in Delavan, Wisconsin.St. Charles, Illinois. Its primary business is operating its bank subsidiary, Community

STC Capital Bank, a Wisconsinan Illinois state bank, which we refer to as CommunitySTC Bank, with fourfive banking locations in southeastern Wisconsin. Delavannortheastern Illinois. STC began operations in 1996.January 2006. As of September 30, 2014, DelavanMarch 31, 2019, STC had consolidated total assets of approximately $208$276.7 million, deposits of approximately $167$243.9 million and shareholders’ equity of approximately $27$31.6 million. DelavanSTC is not a public company, and, accordingly, there is no established trading market for DelavanSTC common stock, par value $1.00$0.01 per share, which we refer to as DelavanSTC common stock.

The merger and the merger agreement (See page 48)56)

Wintrust’s acquisition of DelavanSTC is governed by the Agreementagreement and Planplan of Merger,merger dated as of October 13, 2014,June 5, 2019, by and among Wintrust, Merger Co. and Delavan,STC, as amended on November 19, 2014,by the amendment to the agreement and plan of merger dated as of July 1, 2019, which we refer to as the merger agreement. The merger agreement provides that, if all of the conditions set forth in the merger agreement are satisfied or waived, DelavanSTC will be merged with and into Merger Co. and will cease to exist, which we refer to as the merger. After the consummation of the merger, Merger Co. will continue as the surviving corporationcompany and remain a wholly-owned subsidiary of Wintrust. The merger agreement is included asAnnex AA-1 and the amendment to the merger agreement is included as Annex A-2 to this proxy statement/prospectus and each is incorporated by reference herein. We urge you to read the merger agreement carefully and fully, as it is the legal document that governs the merger.

What DelavanSTC shareholders will receive (See(See page 48)57)

If the merger is completed, the shares of DelavanSTC common stock that you own immediately before the completion of the merger will be converted into the right to receive a combination of cash and shares of Wintrust common stock (in each case subject to possible adjustment). The aggregate merger consideration paid by Wintrust to DelavanSTC shareholders is expected to be $100 per share of outstanding STC common stock, or an aggregate of approximately $38,000,000,$44,922,900, based on 449,229 shares of STC common stock outstanding as of       , 2019, subject to an escrow holdback, possible upward or downward adjustment as described below.below, and fluctuations in the trading price of Wintrust common stock. Assuming that the reference price as described below is between $39.50at least $64.00 and $49.50,no greater than $76.00 and no deduction from the escrowed funds and no adjustment to the merger consideration, 50% of the aggregate merger consideration will be paid in shares of Wintrust common stock and 50% will be paid in cash.

For each of your shares of DelavanSTC common stock, you will receive the per share merger consideration to be calculated as set forth in the merger agreement. The exchange ratio used to determine the number of shares of Wintrust common stock that you will be entitled to receive for each share of DelavanSTC common stock will be determined based on the average high and low saleof the volume-weighted average price of Wintrust common stock as reported under the heading “Bloomberg VWAP” on NASDAQ,the Bloomberg page for Wintrust, which we refer to as the reference price, for each trading day during the 10five trading day period ending on the second trading day prior to completion of the merger, which we refer to as the reference period, subject to a minimum and maximum reference price equal to $39.50$64.00 and $49.50,$76.00, respectively. Assuming no deduction from the escrowed funds and no adjustment to the merger consideration, and that the currently outstanding 373,989 shares of Delavan common stock remain unchanged at the closing, based on a reference price of $     , which is equal to the reference price if it were calculated as of      , 2014,2019, the latest practicable date prior to the date of this proxy statement/prospectus, the merger consideration that a DelavanSTC shareholder would be entitled to receive for each share of DelavanSTC common stock, which we refer to as the per share merger consideration, would be $      in cash and       shares of Wintrust common stock. In each case assuming no adjustment to the merger consideration and that the currently outstanding 373,989 shares of Delavan common stock remain unchanged at the closing, ifIf the reference price were less than or equal to the minimum of $39.50,$64.00, each share of DelavanSTC common stock would instead be entitled to 1.2860.781 shares of Wintrust common stock, and if the reference price were greater than or equal to the maximum of $49.50,$76.00, each share of DelavanSTC common stock would be entitled to 1.0270.658 shares of Wintrust common stock. For a description of how the per share merger consideration will be calculated, see “Description of the Merger Agreement—Consideration to be received in the merger.”

Delavan may terminate$2,900,000 of the cash portion of the merger consideration, which we refer to as the escrowed funds, will be deposited in special purpose non-interest bearing escrow accounts, which we refer to as the escrow holdback. Pursuant to the escrow agreement, which we refer to as the escrow agreement, $2,500,000, which we refer to as the escrow amount, will be held for a period of up to 15 months for the purposes of funding STC’s indemnification obligations under the merger agreement ifand supplementing the reference pricereserve amount referred to below by up to $500,000. Pursuant to a separate escrow agreement, which we refer to as the reserve agreement, $400,000, which we refer to as the reserve amount, will be deposited in a special purposes non-interest bearing escrow account to fund the shareholders’ obligation to indemnify the shareholders’ representative (including reimbursement of expenses) and the expenses of the litigation entity in taking any actions relating to certain customer litigation. The reserve amount will be held until such customer litigation has been resolved or concluded, through settlement, judgment or a decision by the litigation entity not to pursue further, but not more than five years from the commencement of the customer litigation. A claim against the escrowed funds may reduce the aggregate shareholder cash consideration to be distributed to the STC shareholders in connection with the merger. Any amounts received by the litigation entity may increase the reserve amount to be distributed to the STC shareholders.  The escrow agent for both accounts is less than $36.50The Chicago Trust Company, N.A., a subsidiary of Wintrust.

Assuming there are 449,229 issued and Wintrust may terminateoutstanding shares of STC stock immediately prior to the effective time and the escrowed funds equal $2,900,000 in the aggregate, then the per share escrow holdback would be $6.46 per share of STC stock. For further information on the escrow holdback and the disbursement of the escrowed funds, see “Description of the Merger Agreement—Consideration to be received in the merger agreement if the reference price is more than $52.50, in each case if Delavan and Wintrust are in good faith unable, after five business days’ notice of such termination, to reach agreement as to an amendment to the merger agreement containing terms acceptable to Wintrust and Delavan so that the merger and the transactions contemplated by the merger agreement may be consummated.—Escrow Holdback” on page 59.

In addition, the merger consideration may be adjusted upward or downward, as the case may be, if the balance sheet delivered to Wintrust by DelavanSTC as of the closing date of the merger, which we refer to as the closing date, reflects that Delavan’sSTC’s shareholders’ equity, as determined pursuant to the merger agreement and subject to certain exclusions described therein, is greater than or less than $26,000,000, or$30,700,000 plus the amount of proceeds credited from the exercise of outstanding options. Any adjustment will be made to account for certain environmental conditions that may be discovered in the real propertycash portion of Delavan or its subsidiaries.the merger consideration. For a description of the possible adjustment of the merger consideration, see “Description of the Merger Agreement—Consideration to be received in the merger—Adjustment to Merger Consideration.”

DelavanSTC shareholders will not receive fractional shares of Wintrust common stock. Instead, they will receive a cash payment for any fractional shares based on the value of Wintrust common stock.reference price.

Treatment of DelavanSTC options (See(See page 51)60)

If the merger is completed, each outstanding and unexercised option to acquire a share of DelavanSTC common stock, which we refer to as a DelavanSTC option, will be converted into an option to acquire shares of Wintrust common stock, which we refer to as a converted option. The number of shares of Wintrust common stock subject to each converted option will be equal to the product obtained by multiplying (1) the number of shares of DelavanSTC common stock subject to such DelavanSTC option by (2) the quotient obtained by dividing an amount in cash equal to the aggregate value of the per share merger consideration (assuming no deductions from the escrowed funds) by the reference price, which weprice. We refer to such quotient as the option exchange ratio. The per share exercise price for each converted option will be equal to the quotient obtained by dividing (1) the per share exercise price of the DelavanSTC option by (2) the option exchange ratio. Upon exercise of each converted option, the aggregate number of shares of Wintrust common stock deliverable upon such exercise will be rounded down, if necessary, to the nearest whole share and the aggregate exercise price will be roundrounded up, if necessary, to the nearest cent. Except as described above, each converted option will be governed by the same terms and conditions as in effect immediately prior to the effective time of the merger.

Exchange of certificates (See(See page 51)60)

Once the merger is complete, American Stock Transfer & Trust Company, LLC, which we refer to as the exchange agent, will mail you materials and instructions for exchanging your DelavanSTC stock certificates for shares of Wintrust common stock to be issued by book-entry transfer. You should not send in your DelavanSTC stock certificates with your completed proxy card. Instead, you should wait until you receive the transmittal materials and instructions from the exchange agent.

Material U.S. federal income tax consequences of the merger (See(See page 41)49)

Your receipt of shares of

STC and Wintrust common stockintend for the merger to qualify as parta “reorganization” pursuant to Section 368(a) of the Code. Provided the merger consideration generally will be tax-freequalifies as a reorganization for United States federal income tax purposes. However,purposes, you generallymay recognize gain, but will not recognize loss, upon the exchange of your shares of STC common for shares of Wintrust common stock and cash.  If the sum of the fair market value of the Wintrust common stock and the amount of cash you receive in exchange for your shares of STC common stock exceeds the adjusted basis of your shares of STC common stock, you will recognize taxable gain (but not loss) in anequal to the lesser of the amount limited toof such excess or the amount of cash you receive in the merger.exchange. Additionally, you will recognize gain or loss on any cash that you receive in lieu of fractional shares of Wintrust common stock. Generally, any gain recognized upon the exchange will be capital gain, and any such capital gain will be long-term capital gain if you have established a holding period of more than one year for your shares of STC common stock.  See “The Merger—Material U.S. federal income tax consequences of the merger” on page 49.

Depending on certain facts specific to you, any gain could instead be characterized as ordinary dividend income. Determining the actual tax consequences of the merger to you can be complicated. The tax treatment will depend on your specific situation and many variables not within our control. For these reasons, Youyou are urged to consult your tax adviser for a full understanding of the federal, state, local and foreign tax consequences of the merger to you.

Reasons for the merger (See(See page 39)47)

Delavan’s

STC’s board of directors believes that the merger is in the best interests of DelavanSTC and its shareholders, has unanimously adopted the merger agreement and unanimously recommends that its shareholders vote “FOR” the adoption of the merger agreement.

In its deliberations and in making its determination, Delavan’sSTC’s board of directors considered numerous factors, including the following:

Wintrust’s board of directors concluded that the merger is in the best interests of Wintrust and its shareholders. In deciding to approve the merger, Wintrust’s board of directors considered a number of factors, including:

Board recommendation to Delavan’sSTC’s shareholders(See page 39)47)

Delavan’s

STC’s board of directors believes that the merger of DelavanSTC with Wintrust is in the best interests of DelavanSTC and its shareholders.Delavan’sSTC’s board of directors unanimously recommends that you vote “FOR”“FOR” the merger.merger.

Fairness opinion of Delavan’sSTC’s financial advisor (See(See page 30)34)

In deciding to approve the merger, Delavan’sSTC’s board of directors considered, among other things, the opinion of BairdD.A. Davidson as of October 13, 2014June 5, 2019 that the merger consideration is fair, from a financial point of view, to the holders of DelavanSTC common stock. You should read the full text of the fairness opinion, which is attached to this proxy statement asAnnex D, to understand the assumptions made, limits of the reviews undertaken and other matters considered by BairdD.A. Davidson in rendering its opinion.

Interests of officers and directors of Delavan, CommunitySTC, STC Bank, and its subsidiariessubsidiary in the merger may be different from, or in addition to, yours (See(See page 45)52)

When you consider the DelavanSTC board of directors’ recommendation to vote in favor of the adoption of the merger agreement, you should be aware that some of Delavan’s, CommunitySTC’s, STC Bank’s, or its subsidiaries’subsidiary’s directors and officers may have interests in the merger that are different from, or in addition to, your interests as shareholders. Delavan’sSTC’s board of directors was aware of these interests and took them into account in approving the merger. For example, CommunitySt. Charles Bank & Trust Company entered into an employment agreement with Michael J. MurphyChristopher Woelffer, STC’s President and STC Bank’s President and Chief Executive Officer, in connection with Delavan’sSTC’s entry into the merger agreement, pursuant to which heMr. Woelffer will be employed as PresidentVice Chair of CommunitySt. Charles Bank & Trust Company, successor to STC Bank, upon the consummation of the merger. STC Bank

10

entitled to vote must be voted in favor of each such proposal at the special meeting. The proposal to adjourn the special meeting, if necessary, requires the affirmative vote of holders of at least 51%a majority of the shares of Delavan common stockSTC entitled to vote, present in person or by proxy, if a quorum is present. In the absence of a quorum, the holders of at least 51%a majority of the shares of Delavan common stockSTC present in person or by proxy may adjourn the special meeting. To satisfy the quorum requirements set forth in Delavan’sSTC’s by-laws, shareholders holding at least 51%a majority of the outstanding shares of Delavan common stockSTC entitled to vote on the matter at the special meeting must be present in person or by proxy for consideration of such matter at the special meeting. Shareholders may vote their shares in person at the special meeting or by signing and returning the enclosed proxy form.

On October 13, 2014, allJune 5, 2019, certain of Delavan’sSTC’s directors who own shares of DelavanSTC common stock committed to vote their shares of DelavanSTC common stock in favor of the merger and any other matter necessary for consummation of the transactions contemplated by the merger agreement. As of September 30, 2014,June 5, 2019, these shareholders and their affiliates owned 106,562205,787 shares, constituting approximately 28%46% of the shares then outstanding. See “The Merger—Voting agreement” on page 45.53.

DelavanSTC special meeting (See(See page 25)27)

The special meeting of shareholders will be held at       on      , 20152019 at      , local time. Delavan’sSTC’s board of directors is soliciting proxies for use at the special meeting. At the special meeting, DelavanSTC shareholders will

be asked to vote on proposals to adopt the merger agreement, to appoint Michael J. MurphyAnthony V. Sisto and any successors thereto to serve as the Shareholders’ Agentshareholders’ representative upon adoption of the merger agreement, including the appointment of James SaerKeith Kotche to serve as the Alternate Shareholders’ Agent,alternate shareholders’ representative, and to adjourn the special meeting, if necessary.

Record date for the special meeting; revocability of proxies (See(See pages 2527 and 26)28)

You may vote at the special meeting if you own shares of DelavanSTC common stock of record at the close of business on      , 2014.2019. You will have one vote for each share of DelavanSTC common stock you owned on that date. You may change your vote or revoke your proxy at any time before it is voted by filing with the secretary of DelavanSTC a duly executed revocation of proxy or submitting a new proxy form with a later date. You may also vote in person at the special meeting.

Completion of the merger is subject to regulatory approvals (See(See page 44)52)

The merger cannot be completed until Wintrust receives the necessary regulatory approval of each of the Board of Governors of the Federal Reserve System, or the Federal Reserve and the Wisconsin Department of Financial Institutions.Reserve. Wintrust submitted an application with each of the Federal Reserve Bank of Chicago and the Wisconsin Department of Financial Institutions on October 20, 2014.June 25, 2019.

Conditions to the merger (See(See page 55)65)

Closing Conditions for the Benefit of Wintrust. Wintrust’s obligations are subject to fulfillment of certain conditions, including:

·                  approval of the listing of the shares of Wintrust common stock issuable pursuant to the merger agreement on Nasdaq; and

·                  the receipt of all other documents, certificates or instruments as may be requested evidencing STC’s compliance with the merger agreement.

Closing Conditions for the Benefit of DelavanSTC. Delavan’sSTC’s obligations are subject to fulfillment of certain conditions, including:

·                  the execution and delivery of an assignment agreement by STC Bank, the litigation entity, Merger Co. and Wintrust relating to the assignment to the shareholders’ representative of all rights and obligations related to certain customer litigation; and

·                  the receipt of all other documents, certificates or instruments as may be requested evidencing Wintrust’s compliance with the merger agreement.

How the merger agreement may be terminated by Wintrust and DelavanSTC (See page 57)67)

By written agreement, Wintrust and DelavanSTC may mutually agree to terminate the merger agreement and abandon the merger at any time. Subject to conditions and circumstances described in the merger agreement, Wintrust or Delavan,STC, as the case may be, may also terminate the merger agreement as follows:

·                  in certain circumstances, by Wintrust, if a legal restraint, injunction or order prevents the enforcement of certain provisions relating to termination fees and exclusivity.

Termination fees and expenses may be payable under some circumstances (See page 58)67)

Generally, if the merger agreement is terminated by either DelavanSTC or Wintrust because the other party has committed a material breach, subject to certain limitations, the breaching party will be required to pay the non-breaching party a termination fee of $750,000$1,000,000, which includes out-of-pocket costs and reimburseexpenses.

If the non-breachingmerger agreement is terminated under certain circumstances as described in the merger agreement, including:

·                  the breach by STC of its agreement not to solicit alternative company takeover proposals and such breach cannot be cured within a certain time period;

·                  the entry by STC into a definitive agreement related to a superior company proposal;

·                  the adverse modification by STC’s board of its recommendation of shareholder approval of the merger agreement, failure to reaffirm such recommendation within 10 days of Wintrust’s request, or its recommendation of a competing company takeover proposal; or

·                  the termination of the merger agreement, after any person or entity makes a company takeover proposal that is publicly disclosed before the shareholders’ meeting, (a) by STC because the closing has not occurred by February 29, 2020 or such later date agreed to by the parties (or May 31, 2020, if the sole impediment to closing is due to delay in receiving regulatory approval from the Federal Reserve); (b) by Wintrust because STC has breached any of its representations, warranties, covenants, obligations or other agreements in the merger agreement such that a condition to closing is not satisfied and such breach cannot be cured within a certain time period, or because a condition to Wintrust’s obligations becomes impossible for STC to satisfy and, in each case, Wintrust has not waived such condition; (c) by either party because shareholder approval of the merger agreement was not obtained;

and in each case, STC consummates a company takeover proposal within 18 months of the termination, Wintrust may be owed a $2,000,000 termination fee from STC plus reimbursement for up to $250,000 in out-of-pocket costs and expenses.

Under certain circumstances described inIf the merger agreement including (i)is terminated in other circumstances due to failure to obtain shareholder approval of the breach by Delavan of itsmerger agreement, not to solicit alternative acquisition proposals or (ii) the entry into, consummation of or the Delavan board’s determination to accept, an unsolicited superior proposal from a third party, Wintrust may be owed a $1,250,000 termination fee from Delavan plus reimbursement for up to $250,000 in out-of-pocket costs and expenses. See “Description of the Merger Agreement—Termination fee.”

Voting agreement(See page 45)53)

On October 13, 2014, allJune 5, 2019, certain of the directors of DelavanSTC who own shares of DelavanSTC common stock agreed to vote all of their shares of DelavanSTC common stock in favor of the merger agreement and any other matter necessary for consummation of the transactions contemplated by the merger agreement. The voting agreement covers approximately 28%46% of Delavan’sSTC’s outstanding shares of common stock as of September 30, 2014.June 5, 2019. The voting agreement terminates if the merger agreement is terminated in accordance with its terms. A copy of the voting agreement is attached to this proxy statement/prospectus asAnnex C.

Accounting treatment of the merger

The merger will be accounted for as a purchase transaction in accordance with accounting principles generally accepted in the United States.

Certain differences in Wintrust shareholder rights and DelavanSTC shareholder rights(See page 62)71)

Wintrust is an Illinois corporation and Delavan is a Wisconsin corporation. Delavan shareholder rights under Wisconsin law and Wintrust shareholder rights under Illinois law are different. In addition,

Wintrust’s articles of incorporation and its by-laws contain provisions that are different from Delavan’sSTC’s articles of incorporation and by-laws as currently in effect. Certain of these differences are described in detail in the section entitled “Comparison of rights of Wintrust shareholders and DelavanSTC shareholders” beginning on page 62.71. After completion of the merger, DelavanSTC shareholders who receive shares of Wintrust common stock in exchange for their shares of DelavanSTC common stock will become Wintrust shareholders and their rights will be governed by Wintrust’s articles of incorporation and by-laws, in addition to laws and requirements that apply to public companies.

Wintrust shares will be listed on NASDAQNasdaq (See page 59)69)

The shares of Wintrust common stock to be issued pursuant to the merger will be listed on NASDAQNasdaq under the symbol “WTFC.”

Per Share Market Price and Dividend Information

Wintrust common stock is listed on NASDAQNasdaq under the symbol “WTFC.” The table below shows, for the quarters indicated, based on published financial sources, the reported high and low sales prices of Wintrust’s common stock during the periods indicated and the cash dividends paid per share of Wintrust common stock.

Comparative Per Share Data

The following table presents selected comparative per share data for Wintrust common stock and DelavanSTC common stock. You should read this information in conjunction with the selected historical financial information included elsewhere in this proxy statement/prospectus, and the historical financial statements of Wintrust and related notes that are incorporated by reference in this proxy statement/prospectus by reference. The historical per share data is derived from Wintrust’s and STC’s audited financial statements as of and for the year ended December 31, 20132018 and Wintrust’s and Delavan’sSTC’s unaudited interim financial statements as of and for the ninethree months ended September 30, 2014.March 31, 2019.

Selected Historical Financial Data of Wintrust

The selected consolidated financial data of Wintrust presented below is being provided to assist you in your analysis of the financial aspects of the merger. The annual Wintrust historical information as of and for each of the years in the five-year period ended December 31, 2013,2018, are derived from Wintrust’s audited historical financial statements. The selected consolidated financial data presented below, as of and for the nine-monththree-month periods ended September 30, 2014March 31, 2019 and 2013,2018, are derived from Wintrust’s unaudited interim consolidated financial statements. This information is only a summary and should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and the consolidated financial statements and the notes thereto incorporated by reference into this proxy statement/prospectus from Wintrust’s Annual Report on Form 10-K for the fiscal year ended December 31, 2013,2018, and Wintrust’s Quarterly Report on Form 10-Q for the period ended September 30, 2014. March 31, 2019.

The historical results below or contained elsewhere in this proxy statement/prospectus are not necessarily indicative of the future performance of Wintrust or the combinedsurviving company.