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Old Second National Bank
Aurora, IL·FDIC Cert #3603·Charter: OCC·Est. 18871121.0·HC: OLD SECOND BCORP INC
Total Assets
$6.9B
Q4 2025
Return on Assets
1.46%
+0.15%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.18%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.46%+0.15
ROE
11.59%+1.04
Efficiency
55.18%-1.26
Equity/Assets
0.00%+0.00
NPL Ratio
1.02%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.56%+1.98
Charge-offs
0.36%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.6 | 1.6 | 1.7 | 1.6 | 1.5 | 1.6 | 1.3 | 1.5 |
| ROE | 14.6 | 14.5 | 14.5 | 14.0 | 12.7 | 13.1 | 10.6 | 11.6 |
| Efficiency | 50.6 | 50.4 | 50.9 | 52.3 | 55.8 | 54.2 | 56.4 | 55.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.7 | 1.2 | 1.3 | 0.8 | 0.9 | 0.8 | 0.9 | 1.0 |
| Charge-offs | 0.4 | 0.5 | 0.3 | 0.4 | 0.4 | 0.3 | 0.3 | 0.4 |
| Loan/Deposit | 84.6 | 86.5 | 87.4 | 81.3 | 79.2 | 81.3 | 89.6 | 91.6 |
Balance Sheet
Total Assets$6.9B
Total Deposits$5.7B
Total Loans$5.2B
Total Equity$904.9M
Profitability
ROA1.46%
ROE11.59%
Efficiency Ratio55.18%
Net Income$90.6M
Risk & Asset Quality
NPL Ratio1.02%
Charge-off Rate0.36%
Loan/Deposit91.56%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans