Side-by-side · Q2 2026 data
Old Second National Bank vs Wintrust Bank, National Association
Metric by metric
| Measure | Old Second National Bank | Wintrust Bank, National Association |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 70 (stronger) | 64 |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 87 | 99 (stronger) |
| Funding & liquidity | 52 (stronger) | 31 |
| Problem-loan coverage | 89 | 94 (stronger) |
| Peer percentile | 63rd | 77th |
| Total assets | $6.9B | $9.6B |
| Deposits / shares | $5.5B | $8.3B |
| Capital ratio | 12.05% (stronger) | 11.41% |
| Problem loans | 1.08% | 0.36% (stronger) |
| Net charge-offs | 0.73% | 0.24% (stronger) |
| Return on assets | 1.69% | 1.98% (stronger) |
| Loans ÷ deposits | 94.7% (stronger) | 95.1% |
| Uninsured deposits | 27.1% (stronger) | 45.9% |
| Offices | 53 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.7% | 3.0% |
Wintrust Bank, National Association has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Old Second National Bank leads on 3 and Wintrust Bank, National Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.