Old Second National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Old Second National Bank earns an unusually wide margin on its lending. Its balance sheet stood at $6.9 billion at June 30, 2026, up 20.4% from a year earlier; it is based in Aurora, Illinois. It keeps 5.23 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 1.15% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 2.01%).
Net income for the quarter rose 26% from a year earlier, to $30 million. Over the same year, loans grew 31.1% and deposits grew 12.3%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.08% of loans from 0.81% a year earlier.
As of June 30, 2026, Old Second National Bank reported a CET1 capital ratio of 13.72%, a return on assets of 1.76%, a nonperforming-loan ratio of 1.08% and a Texas ratio of 6.76%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 37 S River St, Aurora, IL 60506
- County
- Kane
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- November 21, 1887
- Offices
- 57 domestic
- Employees (FTE)
- 1,052
- Domestic deposits
- $5.47B
- Allowance for credit losses
- $70.4M
- Net charge-offs (YTD)
- $19.0M
- Average total assets
- $6.88B
- Average total loans
- $4.92B
- Average interest-bearing deposits
- $3.74B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3603
- Fed RSSD
- 936136
- SEC CIK
- 357173 → filed by OLD SECOND BANCORP, INC.
- Website
- www.oldsecond.com →
- Parent Holding Company
- OLD SECOND BANCORP, INC. (RSSD 1206911) · OSBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James Eccher | CEO | CHAIRMAN AND CEO |
| Campbell Darin Patrick | PRES | President, Powersports Lending |
| Bradley S. Adams | CFO | CFO & COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Old Second National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Old Second National Bank, freeOld Second National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Old Second National Bank
- Evergreen Bank Group, effective July 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.72% | 1.76% | 1.08% | 6.76% | 5.23% |
| Q1 2026 | 13.80% | 1.61% | 1.45% | 8.95% | 5.09% |
| Q4 2025 | 13.17% | 1.78% | 1.01% | 6.58% | 5.14% |
| Q3 2025 | 13.14% | 0.77% | 0.91% | 6.59% | 5.11% |
| Q2 2025 | 14.02% | 1.66% | 0.81% | 5.89% | 4.85% |
| Q1 2025 | 13.64% | 1.53% | 0.88% | 6.01% | 4.82% |
| Q4 2024 | 12.89% | 1.46% | 0.76% | 8.66% | 4.72% |
| Q3 2024 | 13.49% | 1.74% | 1.31% | 9.49% | 4.67% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 57 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Old Second National Bank (main office) | Aurora , IL | 60506 | $866.7M |
| Downtown Chicago Branch | Chicago , IL | 60606 | $440.4M |
| Westmore Branch | Lombard , IL | 60148 | $299.5M |
| Cass Avenue Branch | Darien , IL | 60561 | $246.8M |
| Oak Brook Branch | Oak Brook , IL | 60523 | $240.7M |
| Evergreen Park Branch | Evergreen Park , IL | 60805 | $179.7M |
| Countryside Branch | Yorkville , IL | 60560 | $167.8M |
| Oswego Branch | Oswego , IL | 60543 | $157.6M |
| Elburn Branch | Elburn , IL | 60119 | $142.3M |
| West Galena Branch | Aurora , IL | 60506 | $122.8M |
| Gary Avenue Branch | Carol Stream , IL | 60188 | $111.3M |
| Stratford Square Branch | Bloomingdale , IL | 60108 | $109.3M |
| Old Second Batavia Branch | Batavia , IL | 60510 | $107.4M |
| Farnsworth Branch | Aurora , IL | 60505 | $106.4M |
| North Aurora Branch | North Aurora , IL | 60542 | $98.7M |
| Chicago Heights Branch | Chicago Heights , IL | 60411 | $95.1M |
| Burlington Branch | Burlington , IL | 60109 | $94.1M |
| Frankfort Branch | Frankfort , IL | 60423 | $92.8M |
| Sugar Grove Branch | Sugar Grove , IL | 60554 | $88.2M |
| Finley Road Branch | Downers Grove , IL | 60515 | $87.6M |
| South Main Branch | Lombard , IL | 60148 | $81.4M |
| Glendale Heights Branch | Glendale Heights , IL | 60139 | $80.4M |
| Charlestowne Branch | St Charles , IL | 60174 | $78.2M |
| Eola Road Branch | Aurora , IL | 60504 | $74.1M |
| Bartlett Branch | Bartlett , IL | 60103 | $73.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2025 | Structure Change | Acquired Evergreen Bank Group Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2025 | M&A | Acquired Evergreen Bank Group merger for the acquired bank | SEC |
| December 1, 2021 | M&A | Acquired West Suburban Bank merger for the acquired bank | SEC |
| December 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 2021 | Structure Change | Acquired West Suburban Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 20, 2018 | M&A | Acquired ABC Bank merger for the acquired bank | SEC |
| April 20, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 20, 2018 | Structure Change | Acquired ABC Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 9, 2008 | M&A | Acquired Heritage Bank merger for the acquired bank | SEC |
| February 9, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 9, 2008 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | Structure Change | Acquired Old Second Bank-Yorkville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2007 | M&A | Acquired Old Second Bank-Yorkville merger for the acquired bank | SEC |
| July 1, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | M&A | Acquired Old Second Mortgage Company merger for the acquired bank | SEC |
| January 1, 2007 | Structure Change | Acquired Old Second Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 25, 2000 | M&A | Acquired Bank of Sugar Grove merger for the acquired bank | SEC |
| February 25, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 25, 2000 | Structure Change | Acquired Bank of Sugar Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | Structure Change | Acquired The Old Second Community Bank of North Aurora Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1999 | M&A | Acquired The Old Second Community Bank of North Aurora merger for the acquired bank | SEC |
| January 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 13, 1997 | Structure Change | Acquired First State Bank of Maple Park Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 13, 1997 | M&A | Acquired First State Bank of Maple Park merger for the acquired bank | SEC |
| June 12, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Old Second National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- May 16, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Old Second National Bank
- Period: Most recent institution action May 16, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in IL, rank 20 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,615 applications, 1,172 loans originated, $336.3M originated, across 35 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $478K approved, $239K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Old Second National Bank
What are Old Second National Bank's total assets?
As of the Q2 2026 filing, Old Second National Bank reported total assets of $6.86 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Old Second National Bank headquartered?
Old Second National Bank is headquartered in Aurora, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Old Second National Bank founded?
Old Second National Bank was established in 1887, per the FDIC institution directory.
Is Old Second National Bank FDIC-insured?
Yes. Old Second National Bank is an FDIC-insured commercial bank (FDIC Certificate #3603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old Second National Bank?
Old Second National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Old Second National Bank's CET1 capital ratio?
Old Second National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Old Second National Bank operate?
Old Second National Bank operates 57 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old Second National Bank's Texas Ratio?
Old Second National Bank's Texas Ratio is 6.76% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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