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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.47% | 1.54% | 1.68% | 0.86% | 1.80% | 1.61% | 1.77% | +8 bps | |
| Return on Equity | 14.56% | 12.23% | 12.74% | 13.46% | 6.66% | 13.78% | 12.05% | 13.05% | -41 bps | |
| Net Interest Margin | 4.40% | 4.46% | 4.54% | 4.59% | 4.87% | 4.91% | 4.87% | 5.00% | +41 bps | |
| Efficiency Ratio | 51.87% | 56.39% | 55.78% | 52.68% | 59.87% | 51.96% | 49.59% | 49.40% | -329 bps | |
| Non-Interest Burden | 1.92% | 2.19% | 2.24% | 2.10% | 2.61% | 2.21% | 2.06% | 2.10% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.54% | -1.24% | 2.05% | 0.71% | 23.16% | 22.17% | 19.57% | 20.39% | +1,968 bps | |
| Loan Growth (YoY) | -0.95% | -1.52% | -0.66% | 0.58% | 31.88% | 31.96% | 31.57% | 31.14% | +3,056 bps | |
| Deposit Growth (YoY) | -2.32% | 5.19% | 6.12% | 6.96% | 28.28% | 16.81% | 13.71% | 12.28% | +531 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.31% | 0.76% | 0.88% | 0.81% | 0.91% | 1.01% | 1.45% | 1.08% | +27 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.49% | 0.44% | 0.08% | 0.39% | 0.46% | 0.75% | 0.70% | +63 bps | |
| Allowance / Loans | 1.11% | 1.10% | 1.05% | 1.07% | 1.42% | 1.38% | 1.39% | 1.34% | +27 bps | |
| Allowance Coverage of NPLs | 0.8x | 1.4x | 1.2x | 1.3x | 1.6x | 1.4x | 1.0x | 1.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.46% | 10.90% | 11.27% | 11.59% | 11.45% | 11.49% | 12.09% | 12.05% | +46 bps | |
| Total Risk-Based Capital | 14.45% | 13.82% | 14.58% | 14.99% | 14.39% | 14.22% | 14.88% | 14.77% | -22 bps | |
| Equity / Assets | 12.15% | 11.88% | 12.22% | 12.77% | 12.97% | 13.12% | 13.59% | 13.48% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.39% | 82.18% | 80.08% | 82.18% | 90.87% | 92.84% | 92.66% | 96.00% | +1,381 bps | |
| Liquid Assets / Assets | 0.93% | 0.83% | 3.55% | 1.37% | 0.91% | 1.05% | 0.99% | 1.39% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 315% | 308% | 290% | n/a | n/a | |