OLD SECOND NATIONAL BANK

AURORA, IL | Large | Est. Nov. 21, 1887, midnight | FDIC #3603 | RSSD #936136 | OCC
Latest Report: 2025-12-31

OLD SECOND NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in AURORA, IL, established in Nov. 21, 1887, midnight. As of 2025-12-31, the bank reported total assets of $6.9B and total deposits of $5.7B. Profitability stands at 1.80% ROA and 13.78% ROE, with a net interest margin of 5.25%. The bank's CET1 capital ratio is 13.17%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.91% and a Texas Ratio of 5.05%. FDIC Certificate #3603.

Assets

$6.9B

Deposits

$5.7B

Loans

$5.3B

Equity

$905M

Profitability

Return on Assets (ROA) 1.80%
Return on Equity (ROE) 13.78%
Net Interest Margin (NIM) 5.25%
Yield on Assets 6.41%
Cost of Funds 1.80%

Asset Quality

NPL Ratio 0.91%
Net Charge-Off Ratio 0.31%
Texas Ratio 5.05%
NPA Ratio 0.72%
ACL / Loans 1.38%

Capital & Liquidity

CET1 Ratio 13.17%
Tier 1 Capital 13.17%
Total Capital Ratio 14.22%
Leverage Ratio 11.49%
Loan-to-Deposit 92.84%

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