Old Second National Bank

What sets Old Second National Bank apart

• At 0.73%, the net charge-offs to average loans of Old Second National Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 0.06%.

How large is Old Second National Bank?

The balance sheet of Old Second National Bank at Q2 2026: assets $6.9 bn, deposits $5.5 bn, net loans $5.2 bn (loans equal to 94.71% of deposits). Securities make up 15.2% of total assets at Old Second National Bank. Since Q1 2016, when Old Second National Bank held $2.1 bn, its assets grew 226.9%. In the year to Q2 2026, deposits at Old Second National Bank rose 12.3% while its total assets rose 20.4%. At Q2 2026, Old Second National Bank employed 1,052 full-time equivalent staff across 57 offices, about $6.5 mn of assets per employee and $95.9 mn of deposits per office.

How much funding at Old Second National Bank is uninsured?

At Old Second National Bank, uninsured deposits (above the FDIC limit) made up 27.10% of domestic deposits at Q2 2026 (+0.98 pp on a year earlier); Old Second National Bank ranks 350th of 500 on this measure. In dollars, Old Second National Bank estimated $1.5 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Old Second National Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Old Second National Bank stood at 13.72% in Q2 2026, -0.30 pp year on year. Low and high at Old Second National Bank since Q1 2016: 11.60% (Q3 2022) to 15.65% (Q3 2021). Equity capital of Old Second National Bank at Q2 2026: $924.9 mn, or 13.5% of total assets. Old Second National Bank also reported a total capital ratio of 14.77% for Q2 2026, and a tier 1 leverage ratio of 12.05%.

The available-for-sale portfolio of Old Second National Bank showed an unrealized loss of $47.7 mn at Q2 2026; the loss narrowed by $7.0 mn over the year.

For the year to Q2 2026, Old Second National Bank earned a return on equity of 12.59%; return on assets: 1.69%. Net interest margin at Old Second National Bank: 5.26%, +0.31 pp in a year. Old Second National Bank net income: $57.9 mn, up 26.3% year on year. The efficiency ratio of Old Second National Bank was 49.49%: about 49 cents cost per revenue dollar, against 50 cents at the median peer.

At Q2 2026, noncurrent loans were 1.08% of total loans at Old Second National Bank; net charge-offs: 0.73% of average loans. Gross loans and leases at Old Second National Bank: $5.2 bn, up 31.1% in a year.

The peer group of Old Second National Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 4 share the charter type of Old Second National Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Illinois. Against them, Old Second National Bank shows CET1 ratio 13.72% against a peer median of 12.73%, return on equity 12.59% against a peer median of 13.49% and uninsured deposit share 27.10% against a peer median of 26.87%.

The FDIC history of Old Second National Bank, oldest first; figures before and after each event are not like for like.

1. 20 April 2018. Absorbed ABC Bank (FDIC certificate 11694).
2. 1 December 2021. Absorbed West Suburban Bank (FDIC certificate 18509).
3. 1 July 2025. Absorbed Evergreen Bank Group (FDIC certificate 35230).

Large one-quarter moves at Old Second National Bank

• Total assets at Old Second National Bank changed by +89.7% in the quarter to 2021-12-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from West Suburban Bank.