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
Unfavorable gap of $143.0M · efficiency ratio beats 52% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 1.15% | 1.39% | 1.64% | Beats 84% | 5 / 31 | | |
| Return on Equity | 12.52% | 11.05% | 13.35% | 16.66% | Beats 35% | 20 / 31 | | |
| Net Interest Margin | 4.94% | 3.00% | 3.28% | 3.75% | Beats 97% | 1 / 31 | | |
| Efficiency Ratio | 50.71% | 37.25% | 50.71% | 61.60% | Beats 52% | 16 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.18% | 0.41% | 1.00% | Beats 19% | 26 / 31 | | |
| Net Charge-Offs / Loans | 0.40% | 0.00% | 0.04% | 0.11% | Beats 6% | 30 / 31 | | |
| Capital |
| Tier 1 Capital Ratio | 13.72% | 10.88% | 11.50% | 13.72% | Beats 74% | 8 / 31 | | |
| Total Risk-Based Capital Ratio | 14.77% | 11.53% | 12.02% | 14.77% | Beats 74% | 8 / 31 | | |
| Equity / Assets | 13.48% | 8.90% | 10.15% | 11.24% | Beats 90% | 3 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 96.00% | 80.56% | 87.67% | 94.53% | 84th pctl | 5 / 31 | | |
| Loans / Assets | 76.49% | 67.81% | 73.77% | 76.85% | 71st pctl | 9 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |