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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Old Second National Bank

Aurora, Illinois · $6.86B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

13.5%
Equity / assets
1st of 11
96.0%
Loans / deposits
11th of 12
+31.1%
Loans, year over year
2nd of 12, largest first

Old Second National Bank is the fourth largest of the 12 Illinois banks nearest its size between $3B and $10B, with $6.86B in assets at 30 June 2026. Loans are 96.0% of deposits, 11th of 12 against a median of 86.6%, and equity is 13.5% of assets, the highest in the cohort. Loans grew +31.1% in the year, 2nd of 12, and deposits grew 12.3%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 1.08% of the book, 10th of 12 against a median of 0.55%; 0.43% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.72% of loans, 10th of 11. Commercial real estate is 31.9% of loans, 7th of 12 against a median of 27.7%, and 192% of capital, below the 300% screen, with construction at 18% against the 100% screen.

Return on assets is 1.68%, 2nd of 11 against a median of 1.48%, on an efficiency ratio of 50.7%, 5th of 11. Five years ago it was 1.47%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Equity as a share of assetsIL banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 9.5% OS Old Second National Bank 13.5% HB Heartland Bank & Trust Co. 13.1% FM First Mid Bank & Trust N.A. 11.8% BB Barrington Bank & Trust Co. N.A. 10.2% HB Hinsdale Bank & Trust Co. N.A. 10.1% LF Lake Forest Bank & Trust Co. N.A. 9.5% MC Morton Community Bank 9.4% MS Midland States Bank 9.2% WB Wheaton Bank & Trust N.A. 8.8% NB Northbrook Bank & Trust Co. N.A. 8.3% FA First American Bank 8.1%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +9.2% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% WB Wheaton Bank & Trust N.A. +10.5% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% SB State Bank of India +7.2% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

Old Second National Bank is the 137th largest 7(a) lender into Illinois of 537, with $12M across 29 loans, 0.1% of everything approved in the state (Byline Bank leads with $2.39B). 3 of its 9 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Kane, IL$4M39th of 1410.6%-0.6 pts
Dupage, IL$3M78th of 1880.2%-0.4 pts
Cook, IL$2M157th of 2820.0%quiet FY2021
Will, IL$2M68th of 1450.2%+0.6 pts
Kendall, IL$470K37th of 700.4%thin
Collier, FL$466K102nd of 1360.1%quiet FY2022
Grundy, IL$400K24th of 360.7%quiet FY2018
La Salle, IL$71K36th of 370.1%thin
Racine, WI$32K88th of 890.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services6$4M29.6%0.01%643rd of 2,248
Construction5$2M16.7%0.01%890th of 2,063
Retail trade3$2M12.2%0.00%1303rd of 2,589
Arts, entertainment & recreation2$1M11.2%0.01%686th of 1,656
Health care & social assistance4$1M10.5%0.00%1025th of 2,172
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and Old Second National Bank
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans OS Old Second National Bank 0.1% $12M · 29 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Old Second National BankRankCohort median
Total CRE against capital, the 300% screen192%7th of 11178%
Construction against capital, the 100% screen18%1st of 1134%
Construction and land development, share of loans2.9%2nd of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans22.1%8th of 1114.3%
Total CRE, the guidance definition, share of loans31.9%7th of 1227.7%
CRE growth over 36 months, the third prong+1.4%2nd of 11+42.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Wheaton Bank & Trust N.A.$4.79B1.6%32.6%0.53%0.17%0.5%78.0%8.8%
State Bank of India$4.32Bno recordno record0.00%no recordno record124.3%no record
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Old Second National BankCohort median
20212026Change20212026Change
Loans$1.91B$5.25B+175%$2.58B$4.36B+69%
Deposits$2.77B$5.47B+97%$3.52B$5.51B+57%
NPA / loans1.20%1.08%-0.12 pts0.52%0.55%+0.04 pts
Efficiency61.8%50.7%-11.1 pts57.3%52.3%-5.0 pts
ROA1.47%1.68%+0.21 pts1.38%1.48%+0.11 pts

This read was prepared for Old Second National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Old Second National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $3B to $10B
Institution www.oldsecond.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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