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Overview / Commentary
37-39 South River Street
Aurora, IL 60506

Old Second National Bank is headquartered in Aurora and is the 18st largest bank in the state of Illinois. It is also the 354th largest bank in the nation. It was established in 1887 and as of December of 2013, it had grown to 492 employees at 27 locations. Old Second National Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Old Second National Bank had $80.54 million in non-current loans and owned real-estate with $284.12 million in equity and loan loss allowances on hand to cover it. This gives Old Second National Bank a Texas Ratio of 28.35% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Old Second National Bank decreased dramatically from 65.28% as of December 31, 2012 to 28.35% as of December 31, 2013, resulting in a positive change of 56.58%.This indicates that the balance sheet and financial strength for Old Second National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Old Second National Bank has decreased its total deposits by -$36.54 million, resulting in -2.12% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Old Second National Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Old Second National Bank has $1.98 billion in assets with $284.12 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

Institution Statistics

FDIC Certificate #3603
Year Established1887
Primary RegulatorOCC
Assets and Liabilities
Assets$1.98 billion
Loans$1.08 billion
Deposits$1.68 billion
Equity Capital$256.84 million
Loan Loss Allowance$27.28 million
Unbacked Noncurrent Loans$39.00 million
Real Estate Owned$41.54 million
Historic Data - December 2012
Assets$2.04 billion
Equity Capital$191.24 million
Loan Loss Allowance$38.60 million
Unbacked Noncurrent Loans$39.00 million
Real Estate Owned$72.42 million
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets3.59%
Return on Equity32.74%
Interest Income$68.88 million

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Old Second National Bank Savings Account Rates

0.12%$25k-Health Savings Checking
0.10%$25k-Money Builder Savings
0.05%--Regular Savings Plus

Old Second National Bank Money Market Rates

0.15%$250k-Money Manager Money Market

Old Second National Bank Checking Account Rates

0.12%$25k-Premier Plus Checking
0.05%$500-Interest Plus Checking
0.05%$500-Prime Time Club Checking

Old Second National Bank CD Rates

1.21%$1k-60 Month CD
1.00%$1k-48 Month CD
0.55%$1k-36 Month CD
0.45%$1k-30 Month CD
0.45%$1k-15 Month Relationship CD Special
0.40%$1k-24 Month CD
0.30%$1k-18 Month CD
0.10%$1k-12 Month CD
0.05%$1k-6 Month CD
0.05%$1k-3 Month CD

Old Second National Bank has 27 locations. Click to view all Old Second National Bank locations.