Old Second National Bank
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Data as of · sourced from FFIEC call reports. How we update
Old Second National Bank is an FDIC-insured commercial bank headquartered in Aurora, IL, established in 1887 (FDIC certificate 3603), and it is supervised by the OCC. At Q2 2026 it reported total assets of $6.86B, up 20.4% from Q2 2025, the 10th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3603
- Headquarters
- Aurora, IL
- Established
- 1887
- Total assets, Q2 2026
- $6.86B
- Assets vs Q2 2025
- +20.4%
- CET1 ratio, Q2 2026
- 13.72%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 071900760
- Holding company
- OLD SECOND BANCORP, INC.
- Asset rank in state
- 10th of 319 in Illinois
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Old Second National Bank is the 10th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $6.86B, loans rose 1.1% and deposits fell 2.4%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.1% of total loans, ahead of commercial and industrial loans at 22.0%. The FDIC Summary of Deposits lists 57 offices for it, in 41 cities in IL; its Aurora 5 offices book 23% of its branch deposits. On its Q2 2026 call report, Old Second National Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 57 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Old Second National Bank's total assets ran between $5.61B (Q1 2024) and $6.98B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$6.86B total assets against $5.70B; $5.94B total liabilities against $4.97B.
$5.18B net loans and leases against $3.96B; $5.47B total deposits against $4.87B.
$1.04B securities against $1.18B; $143.3M cash and balances due against $141.8M.
$101.2M total interest income against $75.2M; $16.9M total interest expense against $10.2M.
$84.3M net interest income against $65.1M.
$13.2M total noninterest income against $10.5M; $49.3M total noninterest expense against $40.8M.
$7.5M provision for credit losses against $2.5M.
$30.3M net income against $24.0M.
1.76% return on assets against 1.66%; 5.23% net interest margin against 4.85%.
13.72% CET1 capital ratio against 14.02%; 12.05% tier 1 leverage ratio against 11.59%.
Inside the full Old Second National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOld Second National Bank rankings
Its closest position to the top of a national ranking is 218 of 4,196, for total assets; its furthest is 636 of 980, for uninsured deposits.
Banks merged into Old Second National Bank
- Evergreen Bank Group, effective July 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.77% (Q3 2025) to 1.78% (Q4 2025) and its net interest margin ran from 4.67% (Q3 2024) to 5.23% (Q2 2026).
| 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
View all 57 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 379 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Old Second National Bank headquartered?
It is headquartered in Aurora, IL, United States.
When was Old Second National Bank founded?
It was established in 1887, per the FDIC institution directory.
Is Old Second National Bank FDIC-insured?
Yes. It 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.
What is Old Second National Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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