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Old Second National Bank

Aurora, IL · Cert 3603 · Old Second Bcorp Inc.

National charter · OCC · 57 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

79

Q2 2024Q2 2026peer median (50)

Asset Quality

13

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Old Second National Bank

Aurora, IL · Cert 3603 · Old Second Bcorp Inc.

National charter · OCC · 57 branches

Q2 2026

$6.9BAssets
$5.2BLoans
$5.5BDeposits
$924.9MEquity
Loan mix
60%RE $2.9B22%C&I $1.1B18%Consumer $0.9BQ2 2025Q2 2026
Deposit mix
68%Interest-bearing $3.7B32%Noninterest $1.8BQ2 2025Q2 2026

NIM

5.16%Q2 ’245.15%Q2 ’255.80%Q2 ’26+5%+9%

Non-interest income vs. expense

2.58%Q2 ’242.88%Q2 ’252.83%Q2 ’26+20%-4%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.9% share · #18 of 147 inst. · $5.4B of $630.7B

12.4% Kane
3.3% DuPage
0.2% Cook
14.2% Kendall

Executive Summary

  • Earnings: ROA of 1.69%, up 7 bps year over year; NIM at 4.94%.
  • Asset quality: problem loans at 1.08% of loans (+27 bps YoY), with net charge-offs at 0.72%.
  • Capital: tier 1 leverage ratio of 12.05%, up 46 bps from a year ago.
  • Funding: loans stand at 96.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+7 bps YoY

Net Interest Margin (YTD, annualized)

4.94%+39 bps YoY

Efficiency Ratio (YTD, annualized)

49.49%-472 bps YoY

Tier 1 Leverage Ratio

12.05%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.32%1.46%1.61%1.69%+7 bps
Return on Equity13.11%10.55%11.59%12.05%12.59%-52 bps
Net Interest Margin4.54%4.12%4.33%4.87%4.94%+39 bps
Efficiency Ratio54.22%56.45%55.18%49.59%49.49%-472 bps
Non-Interest Burden2.16%2.05%2.10%2.06%2.08%-8 bps
Growth
Asset Growth (YoY)0.71%23.16%22.17%19.57%20.39%+1,968 bps
Loan Growth (YoY)0.58%31.88%31.96%31.57%31.14%+3,056 bps
Deposit Growth (YoY)6.96%28.28%16.81%13.71%12.28%+531 bps
Asset Quality
Nonperforming Loans / Loans0.81%0.91%1.01%1.45%1.08%+27 bps
Net Charge-Offs / Loans0.26%0.26%0.31%0.75%0.72%+47 bps
Allowance / Loans1.07%1.42%1.38%1.39%1.34%+27 bps
Allowance Coverage of NPLs1.3x1.6x1.4x1.0x1.2x-0.1x
Capital
Tier 1 Leverage Ratio11.59%11.45%11.49%12.09%12.05%+46 bps
Total Risk-Based Capital14.99%14.39%14.22%14.88%14.77%-22 bps
Equity / Assets12.77%12.97%13.12%13.59%13.48%+71 bps
Liquidity & Funding
Loans / Deposits82.18%90.87%92.84%92.66%96.00%+1,381 bps
Liquid Assets / Assets1.37%0.91%1.05%0.99%1.39%+2 bps
CRE / Total Capitaln/a315%308%290%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Old Second National Bank

Aurora, IL · Cert 3603 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31) · Old Second Bcorp Inc.

National charter · OCC · 57 branches

Q2 2026

$6.9BAssets
$5.2BLoans
$5.5BDeposits
$924.9MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 1 of 31).
  • Widest gap: net charge-offs / loans trails 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 30 of 31).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.69%

Rank 5 of 31

Net Interest Margin

4.94%

Rank 1 of 31

Efficiency Ratio

50.71%

Rank 16 of 31

Equity / Assets

13.48%

Rank 3 of 31

Non-interest income vs. expense

$52.0M$195.0MINCOMEEXPENSE
Unfavorable gap of $143.0M · efficiency ratio beats 52% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 50.71%Peer median 50.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%1.15%1.39%1.64%Beats 84%5 / 31
Return on Equity12.52%11.05%13.35%16.66%Beats 35%20 / 31
Net Interest Margin4.94%3.00%3.28%3.75%Beats 97%1 / 31
Efficiency Ratio50.71%37.25%50.71%61.60%Beats 52%16 / 31
Asset Quality
Nonperforming Loans / Loans1.08%0.18%0.41%1.00%Beats 19%26 / 31
Net Charge-Offs / Loans0.40%0.00%0.04%0.11%Beats 6%30 / 31
Capital
Tier 1 Capital Ratio13.72%10.88%11.50%13.72%Beats 74%8 / 31
Total Risk-Based Capital Ratio14.77%11.53%12.02%14.77%Beats 74%8 / 31
Equity / Assets13.48%8.90%10.15%11.24%Beats 90%3 / 31
Liquidity & Funding
Loans / Deposits96.00%80.56%87.67%94.53%84th pctl5 / 31
Loans / Assets76.49%67.81%73.77%76.85%71st pctl9 / 31
Brokered Deposits / Depositsn/aNot reported for this institution