Side-by-side · Q2 2026 data
Old Second National Bank vs First Mid Bank & Trust, National Association
Metric by metric
| Measure | Old Second National Bank | First Mid Bank & Trust, National Association |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 64 | 81 (stronger) |
| Earnings | 87 (stronger) | 64 |
| Funding & liquidity | 52 | 68 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 63rd | 58th |
| Total assets | $6.9B | $9.1B |
| Deposits / shares | $5.5B | $7.6B |
| Capital ratio | 12.05% (stronger) | 10.70% |
| Problem loans | 1.08% | 0.58% (stronger) |
| Net charge-offs | 0.73% | 0.08% (stronger) |
| Return on assets | 1.69% (stronger) | 1.10% |
| Loans ÷ deposits | 94.7% | 89.7% (stronger) |
| Uninsured deposits | 27.1% | 17.1% (stronger) |
| Offices | 53 | 85 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 22.9% |
Old Second National Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 3 and First Mid Bank & Trust, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.