Side-by-side · Q2 2026 data
Midland States Bank vs Old Second National Bank
Metric by metric
| Measure | Midland States Bank | Old Second National Bank |
|---|---|---|
| TellerScore | 62 | 71 (stronger) |
| Capital cushion | 51 | 70 (stronger) |
| Loan quality | 52 | 64 (stronger) |
| Earnings | 69 | 87 (stronger) |
| Funding & liquidity | 79 (stronger) | 52 |
| Problem-loan coverage | 82 | 89 (stronger) |
| Peer percentile | 27th | 63rd |
| Total assets | $6.7B | $6.9B |
| Deposits / shares | $5.7B | $5.5B |
| Capital ratio | 10.08% | 12.05% (stronger) |
| Problem loans | 1.43% | 1.08% (stronger) |
| Net charge-offs | 0.89% | 0.73% (stronger) |
| Return on assets | 1.22% | 1.69% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 94.7% |
| Uninsured deposits | 22.7% (stronger) | 27.1% |
| Offices | 53 | 53 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.2% | 13.7% |
Old Second National Bank has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Midland States Bank leads on 2 and Old Second National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Joliet, IL
- Ottawa, IL
- Yorkville, IL