# OLD SECOND NATIONAL BANK
AURORA, IL · FDIC certificate 3603 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $6.86B | |
| Deposits | $5.47B | |
| Loans and leases | $5.25B | |
| Total equity | $924.9M | |
| Loans / deposits | 94.71% (p73 of band) | 87.10% |
| Liquid assets / assets | 17.25% (p34 of band) | |
| Uninsured deposits / deposits | 27.10% (p38 of band) | 30.76% |
| Brokered deposits | 0.44% | |
| Wholesale funding | 6.46% (p52 of band) | |
| FHLB advances / assets | 5.68% | |
| Tier 1 leverage | 12.05% (p77 of band) | 10.50% |
| Unrealized securities loss / equity | -5.15% (p63 of band) | -7.75% |
| AOCI / equity | -0.35% (p46 of band) | |
| ROA (annualized) | 1.69% (p78 of band) | 1.26% |
| Net interest margin | 5.26% (p96 of band) | 3.70% |
| Efficiency ratio | 49.49% (p23 of band) | |
| Noncurrent loans | 1.08% (p76 of band) | 0.51% |
| Net charge-offs (annualized) | 0.55% (p95 of band) | |
| Reserve coverage of noncurrent | 124.60% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 16.60% (p14 of band) | |
| Auto loans | $108.4M (2.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.4M (0% of equity) (p73 of band) | |
| Deposits YoY | 12.3% | |
| Employees | 1052 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | losing money |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 7 | capital falling, losing money, deposits shrinking, assets shrinking | expense ratio p90 |
| 2012-06 | 3 |  | capital falling, losing money, deposits shrinking, assets shrinking |
| 2012-09 | 4 | expense ratio p90 |  |
| 2012-12 | 2 |  | charge-offs p90, expense ratio p90 |
| 2013-03 | 3 | expense ratio p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | noncurrent p90 |
| 2013-12 | 1 |  | expense ratio p90 |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | capital falling | reserve under noncurrent |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | capital falling | noncurrent p90, reserve under noncurrent |
| 2022-06 | 1 | noncurrent p90 | capital falling |
| 2022-09 | 3 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2022-12 | 2 | deposits shrinking, assets shrinking | noncurrent p90, AOCI drag >20% of equity, reserve under noncurrent |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 5 | charge-offs p90 |  |
| 2023-12 | 4 |  | uninsured deposits leaving |
| 2024-03 | 5 | assets shrinking |  |
| 2024-06 | 2 |  | deposits shrinking, noncurrent p90, assets shrinking |
| 2024-09 | 1 |  | charge-offs p90 |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2026-06 | 1 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [O2 Sponsor Finance Hires Kyle Bucsa as Assistant Vice President - TradingView](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQNWxaZTloS1BZTTlqWk5xalNCRTFqSmROTVZBY01PcjVXUUtEajZ0MmNqc3Y2UUNVMkhjU1hkQ2k0QlpFVTVvX01zQVhGSzZ4T0wzcENQa05FV04xNExOMDFCTmF6UzA5UENVUUtGNlktVjRvclJXSmZLODBuaWl4LVUtOV92RTRzQkRxdG5KOUxoS1pNWHVrZGJrS0hYOVFSalBqZUN4OGFTcjRBNEZ6eWFVazRobS1BTFVkakRSR1U?oc=5) · TradingView
- 2026-06-15 [Graf Joins Old Second National Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMimwFBVV95cUxNX3E2dlZHcUN4QnZKV1Bydm15LXlpWGFkbWtBU09LNzlaNDNkVGNHSDZkMF9QSGoxckRHZlZoVmkzVVBVbFBhQmVraWFNLXg5RWpta3ZwNUdhNzZ3cTF4Q1I1UnN2eEdwdjJnUXItSk5SVFM2MGdwYTI1QjhEemdDa1hzNjFvcDRidjRyMWg2bVZMZXJZM2tBV010Zw?oc=5) · Yahoo Finance
- 2025-12-04 [Old Second National completes Newgen Software implementation - - Enterprise Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWldoUF9VMkhlMUk0VjF1dTF6eV85OWE0ejI0T1duOHVNSGQybE5abDlzcmNCaVMyNE9hNXpkUmduVXpVU3B5akpCeEFfZm4zcVd0Q3BNV0VzTVBrZlFOX0o0UHQ3QXdwa0ZhSU9yeGJONWZ3MDJ4LWd4ZHlObEZNRVQ4WW9IREdNazJSU1lVejdZaHI5MG9nZnR2V1ZMUU93Z1htU29SSVdfUQ?oc=5) · Enterprise Times
- 2024-08-27 [Old Second to acquire five Chicago-area branches from First Merchants - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNdlU4X1Zsb18xdDdodi02ZmtTTlJadUM0TjJGZ0pLYU1lRzBPbWtTZ1BhcU53Q2JzWmZtM0dfUjh0ekdoaTh5NUllMzZpaDNmMEhCbXB3UlRhMHFKZnllTElxc014QTNVSDNrUWdUaTBSRW54aXRXTUlRc1FGdF9UVXdWNXBud2R2TmhFNnpOcjA3WTUwYS1HbUs3alJvMklMSFZRX3gyQ3U?oc=5) · American Banker
- 2023-08-05 [ATM near me: FBI Chicago searching for thieves who stole ATM at Old Second National Bank on Route 59 in Warrenville, IL - ABC7 Chicago](https://news.google.com/rss/articles/CBMingFBVV95cUxPb3V0bDhtTGlWbTFDMTh0bjhMMXdkVVhUNEpGdlF1ZENBdEkzOE5EVHpVZ3RUeVBuSmhha1YtWFAzR1JlY1UtbEZqMmZyM29pd0lVWFc2SkhibGs5Ylp3bUdIZFQwdFAyMUtyRmxUdjRlOVRrS01SVDMxdll5NmFHSEdOMUFjTVR1WXpBT01maWJRemduLVllMng5YTV5Z9IBowFBVV95cUxPMkRTekJsRXRZVm1GY3R5UWhWYkRuYVUycm1ST0loTk5GWHJ5WllybnFQQmc1TDIyekM3UGF5SmxrOUNJVEJ4clk1LXJySmxZRkJIaVFGSjZ5X0dULW1ka2dyaF9KQU9hZ0FuT0NfWlYtTTRaSnY4Z3hRbERaNG1mMlRwQ1FFXy1xZnJzektEUmNFUFpURk55U01lSTRDdTgzaXlZ?oc=5) · ABC7 Chicago
- 2025-04-24 [OSBC Stock Price, News & Analysis | Old Second Bancorp Inc Ill - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBYQkdobE91WEVZY0VwNGFaVDJDZnI5d0Q5OFlKZERjeW5JOTVvdXBTVlFBN0tzUmE2dXphYnNKQk5WSjhvT3ZzOHlwWEFFTU5udFVV?oc=5) · stocktitan.net
- 2024-06-28 [Lender sues to collect $8M guarantee from CA Ventures’ North Side assets - The Real Deal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSUdTQ3FDaUIxc3NwV0lPcVNoVjh2cFAyenVBd2MtLXhEdFMyclhBcGVXTGtDb21PemVNZ2lRUnlzeW1La0lmUEdobG52X2E0OUJqTHl5Q1RUdkFwN2NzM1dPT1BUd2xtclBEalhsemlPejVmUGdhbkZ1VGwyMzB4TU5DSHVFTGN6dDZhTzl4ZlNFVnBTb3M3MS00RUNEY1BYZTZpWlliY0FEQQ?oc=5) · The Real Deal
- 2017-12-27 [Old Second National Bank parent plans to acquire Chicago’s ABC Bank in $41M deal - Chicago Tribune](https://news.google.com/rss/articles/CBMivgFBVV95cUxPcC10UENvcFFWdWFLbEVvRzFxazd1YnJvWmhFZnZLU0NQaWxEc09HNk1za1Jub3ZNTnhrTVhyOVlWdS1TNUR4S2FpZHNBc1FjYlZYWWJtdlpJY2FfRThmb3l5M2s2NTdFZU9uTjNPeDVZaUxCc1JxSWJHZ0xvSVJpMWp0dUlNN0NaYU9LUG1vT1ZmRUpsUW9xSjdpb2hLV0FmTkFPSm93S3VpNmV3SC0wZmlud29fTmRLYWJ1eTZn?oc=5) · Chicago Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3603 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "3603", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide