BlastPoint's Banking Scorecard
Old Second National Bank
Designations: ✓ Community bank
Aurora, IL
58 branches across IL
Old Second National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 18.6% in tier
- + ROA 0.24% above tier average
- + Efficiency Ratio 11.47% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.8B
+19.6% YoY
-0.8% QoQ
|
+$4.0B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 7.7% in tier |
| Total Loans ? |
$5.1B
+31.1% YoY
-1.3% QoQ
|
+$3.2B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 6.2% in tier |
| Total Deposits ? |
$5.6B
+13.7% YoY
-1.1% QoQ
|
+$3.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 7.9% in tier |
| Return on Assets ? |
1.61%
+4.8% YoY
+9.9% QoQ
|
+0.24% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
5.19%
+5.8% YoY
-0.7% QoQ
|
+1.37% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 4.3% in tier |
| Efficiency Ratio ? |
49.59%
-11.1% YoY
-10.1% QoQ
|
-11.47% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
1.48%
+65.5% YoY
+44.8% QoQ
|
+0.59% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
91.37%
+15.3% YoY
-0.2% QoQ
|
+7.17% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
31.98%
-11.8% YoY
+0.3% QoQ
|
+10.69% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 12.6% in tier |
| Nonperforming Asset Ratio ? |
1.11%
+69.0% YoY
+41.4% QoQ
|
+0.44% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.80%
+1.2% YoY
+4.8% QoQ
|
-1.36% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.19%
+4.0% YoY
-72.8% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.