Old Second National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The biggest quarter-over-quarter change on this page was a small one: Retained earnings edged down 1.7% between Q1 2026 and Q2 2026, to $268.3M. Old Second National Bank ranks 124th of 198 Illinois banks on CET1 ratio, in the lower half at 13.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio; Old Second National Bank reported 13.72% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.72% |
| Tier 1 risk-based capital ratio | 13.72% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 12.05% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $811.5M |
| Tier 1 capital | $811.5M |
| Total risk-based capital | $873.7M |
| Total equity capital | $924.9M |
| Risk-weighted assets | $5.92B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.48% |
| Tangible equity to tangible assets | 11.54% |
| Equity capital to average assets | 13.44% |
| Internal capital growth rate | -2.04% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.2M |
| Common stock surplus | $688.8M |
| Retained earnings | $268.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$34.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.49% | 12.49% | 13.57% | 10.43% | $4.82B |
| Q4 2023 | 12.32% | 12.32% | 13.24% | 10.41% | $4.81B |
| Q1 2024 | 13.06% | 13.06% | 14.03% | 10.89% | $4.71B |
| Q2 2024 | 13.50% | 13.50% | 14.42% | 11.43% | $4.73B |
| Q3 2024 | 13.49% | 13.49% | 14.45% | 11.46% | $4.74B |
| Q4 2024 | 12.89% | 12.89% | 13.82% | 10.90% | $4.74B |
| Q1 2025 | 13.64% | 13.64% | 14.58% | 11.27% | $4.63B |
| Q2 2025 | 14.02% | 14.02% | 14.99% | 11.59% | $4.68B |
| Q3 2025 | 13.14% | 13.14% | 14.39% | 11.45% | $5.99B |
| Q4 2025 | 13.17% | 13.17% | 14.22% | 11.49% | $5.96B |
| Q1 2026 | 13.80% | 13.80% | 14.88% | 12.09% | $5.90B |
| Q2 2026 | 13.72% | 13.72% | 14.77% | 12.05% | $5.92B |
Old Second National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Second National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Old Second National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3603) · FFIEC NIC profile (RSSD 936136)