Old Second National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 29.08 percentage points higher than in Q1 2026, at 124.60%. Old Second National Bank ranks 52nd of 323 Illinois banks on return on assets, in the upper half at 1.76% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.27% on return on assets. Old Second National Bank sits 0.49 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.72% |
| Tier 1 risk-based capital ratio | 13.72% |
| Total risk-based capital ratio | 14.77% |
| Tier 1 leverage ratio | 12.05% |
| Equity capital to assets | 13.48% |
| Tangible equity to tangible assets | 11.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.08% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | 0.75% |
| Texas ratio | 6.76% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 124.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 13.05% |
| Net interest margin | 5.23% |
| Efficiency ratio | 49.24% |
| Yield on earning assets | 6.28% |
| Cost of funds | 1.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.00% |
| Core deposits to total deposits | 96.26% |
| Brokered deposits to total deposits | 0.55% |
| Deposits to assets | 79.68% |
| Securities to assets | 15.16% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.49% | 12.49% | 13.57% | 10.43% | 1.78% |
| Q4 2023 | 12.32% | 12.32% | 13.24% | 10.41% | 1.38% |
| Q1 2024 | 13.06% | 13.06% | 14.03% | 10.89% | 1.60% |
| Q2 2024 | 13.50% | 13.50% | 14.42% | 11.43% | 1.66% |
| Q3 2024 | 13.49% | 13.49% | 14.45% | 11.46% | 1.74% |
| Q4 2024 | 12.89% | 12.89% | 13.82% | 10.90% | 1.46% |
| Q1 2025 | 13.64% | 13.64% | 14.58% | 11.27% | 1.53% |
| Q2 2025 | 14.02% | 14.02% | 14.99% | 11.59% | 1.66% |
| Q3 2025 | 13.14% | 13.14% | 14.39% | 11.45% | 0.77% |
| Q4 2025 | 13.17% | 13.17% | 14.22% | 11.49% | 1.78% |
| Q1 2026 | 13.80% | 13.80% | 14.88% | 12.09% | 1.61% |
| Q2 2026 | 13.72% | 13.72% | 14.77% | 12.05% | 1.76% |
Old Second National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Second National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)