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Old Second National Bank
Aurora, IL · FDIC Certificate #3603 · Chartered 11/2
Total assets
$6.86B
Total deposits
$5.47B
Total equity
$924.94M
Net loans
$5.18B
Branches (offices)
57
Net income (YTD)
$57.91M
Rank: #224 of 4,213 U.S. banks by assets · #10 of 322 in Illinois. Assets changed 20.4% and deposits 12.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.69% |
| Return on equity | 12.59% |
| Net interest margin (YTD) | 5.26% |
| Equity to assets | 13.48% |
| Tier 1 leverage ratio | 12.05% |
| Uninsured deposits (share of deposits) | 27.1% |
| Noncurrent loans (share of loans) | 1.08% |
| Net charge-offs (share of loans) | 0.73% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 55.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.89B | 55.9% | |
| Commercial & industrial | $1.15B | 22.3% | |
| Consumer / individual | $884.84M | 17.1% | |
| Construction & development | $153.55M | 3.0% | |
| Agricultural | $1.34M | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.00B | $5.35B | $28.15M | $576.05M |
| Jun 2023 | $5.88B | $4.73B | $54.12M | $580.50M |
| Jun 2024 | $5.66B | $4.55B | $46.60M | $667.76M |
| Jun 2025 | $5.70B | $4.87B | $45.85M | $727.86M |
| Jun 2026 | $6.86B | $5.47B | $57.91M | $924.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $5.47B | 57 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.47B.
Similar-sized banks
The Camden National Bank ($6.94B) · First National Bank Of America ($6.82B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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