Old Second National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 81.5% in Q2 2026, from $214.8M to $389.9M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Old Second National Bank is 34th of 323 on loan-to-deposit ratio, 96.00% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Old Second National Bank sits 7.79 points higher, at 96.00% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $143.3M |
| Cash and noninterest-bearing balances to assets | 2.09% |
| Cash and securities | $1.18B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $23.2M |
| Other borrowed money | $389.9M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 5.68% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.00% |
| Net loans and leases to deposits | 94.71% |
| Loans and leases to core deposits | 99.16% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.55% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.17% | 98.56% | $25.9M | $435.0M |
| Q4 2023 | 87.78% | 98.23% | $26.5M | $405.0M |
| Q1 2024 | 85.55% | 98.04% | $33.5M | $220.0M |
| Q2 2024 | 87.40% | 97.70% | $46.5M | $330.0M |
| Q3 2024 | 88.39% | 97.48% | $53.9M | $335.0M |
| Q4 2024 | 82.18% | 97.41% | $36.7M | $20.0M |
| Q1 2025 | 80.08% | 97.61% | $38.7M | $0 |
| Q2 2025 | 82.18% | 97.38% | $47.3M | $0 |
| Q3 2025 | 90.87% | 94.29% | $24.3M | $179.8M |
| Q4 2025 | 92.84% | 95.26% | $23.8M | $229.8M |
| Q1 2026 | 92.66% | 95.88% | $23.1M | $214.8M |
| Q2 2026 | 96.00% | 96.26% | $23.2M | $389.9M |
Old Second National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Second National Bank, freeSource: Call Report Schedules RC and RC-M, 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)