Soluble microbial products (SMP) classified as utilization-associated products (UAP) and biomass-associated products (BAP) are the predominant foulants determining fouling in tertiary filtration. However, the exact mechanisms of BAP and UAP generation when treating real wastewaters under cold temperatures remain unrevealed. This paper presents the first study linking biological processes and SMP formation when treating real wastewaters through a combination of bioprocess modelling and advanced SMP characterization. Further, the impact of low operating temperatures on SMP production which has received relatively little attention was studied in detail. The use of liquid chromatography-organic carbon detection (LC-OCD) revealed a significant increase in protein and polysaccharide concentrations in the treated effluents as temperature decreased with a more sensitive impact on polysaccharides. The generation of SMP from biomass decay (BAP) and substrate utilization (UAP) was derived from the LC-OCD data on the basis of protein and polysaccharide mass balances. UAP and BAP yields were estimated as the ratios of the observed generation rates to the rates of substrate utilization and endogenous decay respectively, which both declined as temperature increased. A strong correlation was observed between temperature and BAP/UAP yields whereas the generation of BAP was more temperature sensitive than UAP. Such process modelling can be employed to assist with the optimization of the design and operation of membrane processes when treating wastewaters under challenging conditions like low temperature.