Side-by-side · Q2 2026 data
Old Second National Bank vs Lake Forest Bank & Trust Company, National Association
Bank
Lake Forest Bank & Trust Company, National Association
Lake Forest, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | Old Second National Bank | Lake Forest Bank & Trust Company, National Association |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 70 (stronger) | 49 |
| Loan quality | 64 | 89 (stronger) |
| Earnings | 87 | 100 (stronger) |
| Funding & liquidity | 52 (stronger) | 29 |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 63rd | 63rd |
| Total assets | $6.9B | $9.3B |
| Deposits / shares | $5.5B | $7.3B |
| Capital ratio | 12.05% (stronger) | 9.93% |
| Problem loans | 1.08% | 0.34% (stronger) |
| Net charge-offs | 0.73% | 0.03% (stronger) |
| Return on assets | 1.69% | 1.99% (stronger) |
| Loans ÷ deposits | 94.7% | 94.2% (stronger) |
| Uninsured deposits | 27.1% (stronger) | 48.7% |
| Offices | 53 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 2.5% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 2 and Lake Forest Bank & Trust Company, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.