Old Second National Bank is a national bank headquartered in Aurora, Illinois, in business for about 139 years. At the end of Q2 2026 it reported $6.9B in total assets and $5.5B in deposits, with 57 offices.
Based on its Q2 2026 filing, Old Second National Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 150th. Its strongest component is problem-loan coverage (89/100; 5.7%), and its lowest is funding & liquidity (52/100; 95% loans-to-deposits, 27% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (74 → 71), mostly because the funding & liquidity component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 71 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.43% |
| Q3 2024 | 11.46% |
| Q4 2024 | 10.90% |
| Q1 2025 | 11.27% |
| Q2 2025 | 11.59% |
| Q3 2025 | 11.45% |
| Q4 2025 | 11.49% |
| Q1 2026 | 12.09% |
| Q2 2026 | 12.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.31% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.81% |
| Q3 2025 | 0.91% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.54% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.46% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.69% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $6.9B | 12.05% | 1.08% | 1.69% | 94.7% |
| Q1 2026 | 68 | $6.8B | 12.09% | 1.45% | 1.61% | 91.4% |
| Q4 2025 | 69 | $6.9B | 11.49% | 1.01% | 1.46% | 91.6% |
| Q3 2025 | 70 | $7.0B | 11.45% | 0.91% | 1.32% | 89.6% |
| Q2 2025 | 74 | $5.7B | 11.59% | 0.81% | 1.61% | 81.3% |
| Q1 2025 | 72 | $5.7B | 11.27% | 0.88% | 1.54% | 79.2% |
| Q4 2024 | 72 | $5.6B | 10.90% | 0.76% | 1.63% | 81.3% |
| Q3 2024 | 68 | $5.7B | 11.46% | 1.31% | 1.68% | 87.4% |
| Q2 2024 | 69 | $5.7B | 11.43% | 1.18% | 1.65% | 86.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Midland States BankBank Effingham, IL | 62 out of 100, Moderate | $6.7B | 10.1% | 1.43% | vs |
| Northbrook Bank and Trust Company, National AssociationBank Northbrook, IL | 68 out of 100, Moderate | $6.4B | 9.4% | 0.27% | vs |
| Morton Community BankBank Morton, IL | 72 out of 100, Strong | $5.3B | 10.6% | 0.81% | vs |
| Barrington Bank & Trust Company, National AssociationBank Barrington, IL | 42 out of 100, Below average | $5.2B | 10.1% | 4.75% | vs |
Deposit insurance
Is my money safe at Old Second National Bank?
Yes. Old Second National Bank is an FDIC-insured institution (FDIC certificate #3603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.1% of deposits ($1.5B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.77% (benchmark: 10%).
57 locations
Branches
Old Second National Bank lists 53 offices in 40 cities. Most locations:
- Aurora, IL (5)
- Chicago, IL (5)
- Lombard, IL (3)
- Bolingbrook, IL (2)
- Carol Stream, IL (2)
- Bartlett, IL (1)
- Batavia, IL (1)
- Bensenville, IL (1)
- Bloomingdale, IL (1)
- Burlington, IL (1)
- Chicago Heights, IL (1)
- Darien, IL (1)
HMDA 2025
Mortgage lending
In 2025, Old Second National Bank reported 1,535 home-loan applications under HMDA (LEI B94HV8SXGDD3J5XESU08): 1,172 originated ($336,340,000 total), 194 denied, and 124 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Old Second National Bank
- Former names
- The Old Second National Bank of Aurora
- Type
- National bank
- FDIC certificate #
- 3603
- RSSD ID
- 936136
- Primary regulator
- OCC
- Holding company
- Old Second Bcorp Inc
- Established
- November 21, 1887
- Headquarters
- 37 S River St, Aurora, IL 60506
- Website
- www.oldsecond.com
- Employees
- 1,052
Quick answers
Old Second National Bank: common questions
Is Old Second National Bank FDIC insured?
Yes. Old Second National Bank is an FDIC-insured institution (FDIC certificate #3603). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Old Second National Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Old Second National Bank ever failed?
There is no failure record for FDIC certificate #3603 in the FDIC failed bank list.
How many branches does Old Second National Bank have?
57 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Aurora
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Aurora Policemen Credit UnionCredit union Aurora, IL | 95 out of 100, Very strong | $26.3M | 15.3% | 0.00% | vs |
| Aurora Firefighters' Credit UnionCredit union Aurora, IL | 93 out of 100, Very strong | $2.7M | 16.1% | 0.00% | vs |
| First Eagle BankBank Chicago, IL | 91 out of 100, Very strong | $649.6M | 21.3% | 0.10% | vs |
| Earthmover Credit UnionCredit union Aurora, IL | 87 out of 100, Very strong | $471.7M | 19.3% | 0.75% | vs |
| Molex Employees Federal Credit UnionCredit union Lisle, IL | 84 out of 100, Strong | $6.5M | 18.4% | 0.47% | vs |
| Joliet Firefighters Credit UnionCredit union Joliet, IL | 84 out of 100, Strong | $8.3M | 11.6% | 0.00% | vs |