Side-by-side · Q2 2026 data
Old Second National Bank vs First American Bank
Metric by metric
| Measure | Old Second National Bank | First American Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 63 |
| Capital cushion | 70 (stronger) | 26 |
| Loan quality | 64 | 80 (stronger) |
| Earnings | 87 (stronger) | 81 |
| Funding & liquidity | 52 | 67 (stronger) |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 63rd | 30th |
| Total assets | $6.9B | $8.6B |
| Deposits / shares | $5.5B | $5.6B |
| Capital ratio | 12.05% (stronger) | 7.58% |
| Problem loans | 1.08% | 0.60% (stronger) |
| Net charge-offs | 0.73% | -0.01% (stronger) |
| Return on assets | 1.69% (stronger) | 1.52% |
| Loans ÷ deposits | 94.7% | 60.1% (stronger) |
| Uninsured deposits | 27.1% (stronger) | 44.6% |
| Offices | 53 | 57 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 33.0% |
Old Second National Bank has the higher TellerScore (71 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 4 and First American Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.