BlastPoint's Banking Scorecard

Old Second National Bank

$1B-$10B Specialty: Commercial IL FDIC cert 3603

Designations: ✓ Community bank

Aurora, IL

57 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +12.3% year over year ($5.5B on the books).
Delinquency rate 1.09%.
Return on assets 1.69%.
Efficiency ratio 49.49% vs a 59.73% peer average.
Loan-to-deposit ratio 94.71% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Old Second National Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 16.2% in tier
+ ROA 0.29% above tier average
+ Efficiency Ratio 10.24% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.22% above tier average

Get updates when Old Second National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$6.9B +20.4% YoY +0.2% QoQ	+$4.1B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 7.0% in tier
Total Loans ?	$5.2B +30.8% YoY +1.2% QoQ	+$3.2B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 5.8% in tier
Total Deposits ?	$5.5B +12.3% YoY -2.4% QoQ	+$3.1B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 7.9% in tier
Return on Assets ?	1.69% +4.6% YoY +4.8% QoQ	+0.29%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	5.26% +6.3% YoY +1.5% QoQ	+1.39%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 3.7% in tier
Efficiency Ratio ?	49.49% -8.7% YoY -0.2% QoQ	-10.24%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	1.09% +33.9% YoY -26.1% QoQ	+0.22%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	94.71% +16.5% YoY +3.7% QoQ	+9.67%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	32.36% -11.2% YoY +1.2% QoQ	+11.09%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 11.0% in tier
Nonperforming Asset Ratio ?	0.83% +22.5% YoY -25.2% QoQ	+0.16%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	13.72% -2.2% YoY -0.6% QoQ	-1.12%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.38% +4.2% YoY +103.6% QoQ	-0.15%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	32.4% -4.1pp YoY +0.4pp QoQ	+11.0pp	21.4%	20.1%	22.2%	89%
Brokered Deposits	0.6% 0.0pp QoQ	-8.9pp	9.5%	8.0%	8.5%	12%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	22.3% -1.7pp YoY +1.0pp QoQ	+8.3pp	14.0%	14.7%	12.5%	84%
CRE	45.0% -14.2pp YoY -1.1pp QoQ	-5.0pp	50.0%	37.9%	41.4%	36%
1-4 Family	10.6% +0.9pp YoY -0.1pp QoQ	-15.8pp	26.4%	28.3%	31.3%	18%
Consumer	17.1% +17.0pp YoY +0.2pp QoQ	+12.4pp	4.7%	5.4%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.7% -0.3pp YoY -0.1pp QoQ	-1.9pp	15.6%	19.9%	19.7%	53%
Leverage Ratio	12.0% +0.5pp YoY 0.0pp QoQ	+0.7pp	11.3%	12.2%	12.6%	77%
Total Capital Ratio	14.8% -0.2pp YoY -0.1pp QoQ	-1.9pp	16.7%	20.9%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	1,052 +161 (+18.1%) YoY +18 (+1.7%) QoQ	+738	313	228	482	98%
Assets per Employee ($)	$6.5M +2.0% YoY -1.5% QoQ	-$4.0M	$10.5M	$8.3M	$8.8M	18%
Branch Count	57 +1 (+1.8%) YoY -1 (-1.7%) QoQ	+37	20	10	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.2pp QoQ	-0.1pp	0.2%	0.4%	0.4%	64%
Nonaccrual	1.0% +0.2pp YoY -0.2pp QoQ	+0.2pp	0.8%	1.1%	1.0%	75%
Allowance Coverage	1.25x -6.5% YoY +30.4% QoQ	-17.46x	18.71x	5.62x	20.23x	32%
Net Charge-off Rate (YTD)	0.7% +0.5pp YoY 0.0pp QoQ	+0.5pp	0.3%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.6% -0.5pp YoY +0.5pp QoQ	0.0pp	12.6%	10.5%	11.6%	53%
Cost of Funds (YTD)	1.1% +0.3pp YoY 0.0pp QoQ	-0.9pp	1.9%	1.6%	1.7%	6%
Net Income ($, YTD)	$57.9M +26.3% YoY — QoQ	+$38.7M	$19.2M	$11.7M	$40.4M	95%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#14 of 80 • Top 16.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.36%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.26%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 5.26%

Peer Median: 3.87%

#34 of 885 Top 3.7% in $1B-$10B

Total Loans

size

Value: $5.18B

Peer Median: $1.96B

#52 of 885 Top 5.8% in $1B-$10B

Total Assets

size

Value: $6.86B

Peer Median: $2.79B

#63 of 885 Top 7.0% in $1B-$10B

Total Deposits

size

Value: $5.47B

Peer Median: $2.32B

#71 of 885 Top 7.9% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 32.36%

Peer Median: 21.27%

#98 of 885 Top 11.0% in $1B-$10B

194

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.39%

#194 of 885 Top 21.8% in $1B-$10B

194

Efficiency Ratio

profitability

Value: 49.49%

Peer Median: 59.73%

#194 of 885 Top 21.8% in $1B-$10B

Top Weaknesses (1 metrics)

665

Delinquency Rate

credit_quality

Value: 1.09%

Peer Median: 0.87%

#665 of 882 Bottom 24.7% in $1B-$10B