Old Second National Bank
Total assets
$6.86B
▲ +20.4% YoY
Deposits
$5.47B
▲ +12.3% YoY
Loans
$5.18B
▲ +30.8% YoY
Offices
57
OLD SECOND BCORP INC
ROA (annualized)
1.69%
peers 1.26%
ROE (annualized)
12.59%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.4% | +5.5% | +14.9 pts |
| Deposit growth (YoY) | +12.3% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +30.8% | +5.9% | +24.9 pts |
| ROA | 1.69% | 1.26% | +0.4 pts |
| ROE | 12.6% | 12.2% | +0.4 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
Profile
- Established
- 1887
- Charter
- OCC
- Primary regulator
- OCC
- Holding company
- OLD SECOND BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 37 S River St, Aurora, IL, 60506
- County
- Kane
- Metro area
- Chicago-Naperville-Elgin, IL-IN-WI
- Offices
- 57
- FDIC cert #
- 3603
- RSSD ID
- 936136
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.86B | $5.47B | $5.18B | $924.9M | $57.9M | 1.69% | 5.26% | 0.83% |
| Q1 2026 | $6.85B | $5.60B | $5.12B | $930.3M | $27.6M | 1.61% | 5.19% | 1.11% |
| Q4 2025 | $6.90B | $5.66B | $5.18B | $904.9M | $90.6M | 1.46% | 5.22% | 0.79% |
| Q3 2025 | $6.98B | $5.80B | $5.19B | $905.5M | $59.4M | 1.32% | 5.14% | 0.78% |
| Q2 2025 | $5.70B | $4.87B | $3.96B | $727.9M | $45.8M | 1.61% | 4.95% | 0.68% |
| Q1 2025 | $5.73B | $4.93B | $3.90B | $699.8M | $21.8M | 1.54% | 4.90% | 0.66% |
| Q4 2024 | $5.65B | $4.85B | $3.94B | $671.1M | $92.1M | 1.63% | 4.73% | 0.92% |
| Q3 2024 | $5.67B | $4.52B | $3.95B | $688.9M | $71.3M | 1.68% | 4.69% | 1.07% |
Loan mix (Q2 2026): real estate $2.89B · commercial $1.15B · consumer $884.8M · securities $1.04B
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Old Second National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.70% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 59.0% | 22th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Old Second National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Old Second National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Old Second National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Old Second National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Hinsdale Bank & Trust Company, National AssociationHinsdale, IL · $6.80B
- Heartland Bank and Trust CompanyBloomington, IL · $6.72B
- Midland States BankEffingham, IL · $6.69B
- Northbrook Bank and Trust Company, National AssociationNorthbrook, IL · $6.37B
- First American BankElk Grove Village, IL · $8.63B
- Morton Community BankMorton, IL · $5.35B
Selling to Old Second National Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.