Aurora, IL · Cert 3603 · Old Second Bcorp Inc.
National charter · OCC · 57 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.9% share · #18 of 147 inst. · $5.4B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.61% | 1.32% | 1.46% | 1.61% | 1.69% | +7 bps | |
| Return on Equity | 13.11% | 10.55% | 11.59% | 12.05% | 12.59% | -52 bps | |
| Net Interest Margin | 4.54% | 4.12% | 4.33% | 4.87% | 4.94% | +39 bps | |
| Efficiency Ratio | 54.22% | 56.45% | 55.18% | 49.59% | 49.49% | -472 bps | |
| Non-Interest Burden | 2.16% | 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 / Loans | 0.81% | 0.91% | 1.01% | 1.45% | 1.08% | +27 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.26% | 0.31% | 0.75% | 0.72% | +47 bps | |
| Allowance / Loans | 1.07% | 1.42% | 1.38% | 1.39% | 1.34% | +27 bps | |
| Allowance Coverage of NPLs | 1.3x | 1.6x | 1.4x | 1.0x | 1.2x | -0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.59% | 11.45% | 11.49% | 12.09% | 12.05% | +46 bps | |
| Total Risk-Based Capital | 14.99% | 14.39% | 14.22% | 14.88% | 14.77% | -22 bps | |
| Equity / Assets | 12.77% | 12.97% | 13.12% | 13.59% | 13.48% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 82.18% | 90.87% | 92.84% | 92.66% | 96.00% | +1,381 bps | |
| Liquid Assets / Assets | 1.37% | 0.91% | 1.05% | 0.99% | 1.39% | +2 bps | |
| CRE / Total Capital | n/a | 315% | 308% | 290% | n/a | n/a | |