Old Second National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Old Second National Bank of Aurora, IL against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.76% | 1.34% | +0.42% | 79th top |
| ROAE | 13.05% | 12.34% | +0.71% | 54th above |
| Net Interest Margin | 5.23% | 3.83% | +1.40% | 96th top |
| Efficiency Ratio | 49.24% | 58.97% | -9.73% | 76th top |
| PPNR / Avg Assets | 2.80% | — | — | 92nd top |
| Yield on Earning Assets | 6.28% | 5.71% | +0.57% | 84th top |
| Cost of Funds | 1.15% | 2.02% | -0.87% | 91st top |
| Net Interest Spread | 4.62% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.08% | 0.87% | +0.21% | 24th bottom |
| NPA / Total Assets | 0.83% | — | — | 26th below |
| NCO / Avg Loans | 0.75% | 0.43% | +0.32% | 6th bottom |
| ACL / Total Loans | 1.34% | — | — | 74th above |
| ACL / NPLs (Coverage) | 124.60% | — | — | 32nd below |
| Texas Ratio | 6.76% | 5.48% | +1.28% | 27th below |
| Provision / NCO | 81.10% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.72% | 14.99% | -1.27% | 53rd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.72% | 15.02% | -1.30% | 53rd above |
| Total Capital Ratio | 14.77% | — | — | 52nd above |
| Leverage Ratio | 12.05% | 11.11% | +0.94% | 77th top |
| Equity / Assets | 13.48% | 11.02% | +2.46% | 87th top |
| TCE / Tangible Assets | 11.54% | — | — | 78th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 96.00% | 86.99% | +9.01% | 26th below |
| Core Deposit Ratio | 96.26% | 85.57% | +10.69% | 91st top |
| Uninsured Deposit Ratio | 27.10% | 33.19% | -6.09% | 63rd above |
| Wholesale Funding Ratio | 6.02% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 20.39% | — | — | 90th top |
| Loan Growth (Y/Y) | 31.14% | — | — | 95th top |
| Deposit Growth (Y/Y) | 12.28% | — | — | 81st top |
See Old Second National Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Old Second National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Old Second National Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Old Second National Bank peer analysis.