Old Second National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale dropped 45.9% in Q2 2026, from $4.3M to $2.3M. 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. Old Second National Bank reported 96.00% on loan-to-deposit ratio for Q2 2026, 7.79 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.25B |
| Net loans and leases | $5.18B |
| Loans held for sale | $2.3M |
| Loans to total assets | 76.49% |
| Loan-to-deposit ratio | 96.00% |
| Net loans to equity capital | 5.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.60% |
| Multifamily (5+ residential) | 6.90% |
| Commercial and industrial | 21.98% |
| Consumer | 16.86% |
| Credit cards | 0.00% |
| Farm | 0.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 190.96% |
| Construction concentration (Tier 1 capital + allowance) | 17.41% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.89% |
| Interest income on loans | $87.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.03B | $4.63B | 45.68% | 25.55% | 0.37% |
| Q4 2023 | $4.04B | $4.61B | 44.92% | 25.83% | 0.33% |
| Q1 2024 | $3.97B | $4.64B | 45.02% | 25.24% | 0.24% |
| Q2 2024 | $3.98B | $4.55B | 43.91% | 25.64% | 0.07% |
| Q3 2024 | $3.99B | $4.52B | 43.84% | 25.56% | 0.07% |
| Q4 2024 | $3.98B | $4.85B | 43.92% | 25.40% | 0.09% |
| Q1 2025 | $3.94B | $4.93B | 44.69% | 24.24% | 0.09% |
| Q2 2025 | $4.00B | $4.87B | 43.94% | 23.70% | 0.08% |
| Q3 2025 | $5.27B | $5.80B | 36.55% | 19.42% | 16.71% |
| Q4 2025 | $5.26B | $5.66B | 36.29% | 20.80% | 16.62% |
| Q1 2026 | $5.19B | $5.60B | 35.86% | 20.99% | 16.62% |
| Q2 2026 | $5.25B | $5.47B | 34.60% | 21.98% | 16.86% |
Old Second National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Second National Bank, freeSource: Call Report Schedule RC-C, 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)