BlastPoint's Banking Scorecard
Old Second National Bank
Mid-Market
Specialty: Commercial
IL
FDIC cert 3603
Designations: ✓ Community bank
Aurora, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Old Second National Bank shows strong momentum with 1 strength and 22.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 24% in Mid-Market
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.9B
+22.2% YoY
-1.2% QoQ
|
-$3.6B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$5.2B
+31.6% YoY
-0.2% QoQ
|
-$1.9B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$5.7B
+16.8% YoY
-2.3% QoQ
|
-$2.9B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.46%
-10.0% YoY
+11.1% QoQ
|
+0.30% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
5.22%
+10.4% YoY
+1.5% QoQ
|
+1.83% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
55.18%
+5.6% YoY
-2.2% QoQ
|
-1.42% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.02%
+32.6% YoY
+10.3% QoQ
|
+0.33% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
91.56%
+12.7% YoY
+2.2% QoQ
|
+6.09% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
31.87%
-13.4% YoY
+4.2% QoQ
|
+11.23% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.79%
-14.4% YoY
+0.9% QoQ
|
+0.29% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.17%
+2.2% YoY
+0.2% QoQ
|
-0.38% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.68%
-11.0% YoY
+39.1% QoQ
|
-0.27% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#6 of 22 · Top 24% in Mid-Market
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:
31.87%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
5.22%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.40%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 20.64%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.56% · Tier avg: 85.47%
59
59th pctile
Efficiency Ratio
Current: 55.18% · Tier avg: 56.60%
55
55th pctile
Tier 1 Capital Ratio
Current: 13.17% · Tier avg: 13.55%
54
54th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.96%
41
41th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
33
33th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
31
31th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
24
24th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.68%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
24
24th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.68%
31
31th pctile
Total Assets
Current: $6.9B · Tier avg: $10.5B
33
33th pctile
Total Deposits
Current: $5.7B · Tier avg: $8.5B
41
41th pctile
Total Loans
Current: $5.2B · Tier avg: $7.1B
54
54th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.96%
55
55th pctile
Tier 1 Capital Ratio
Current: 13.17% · Tier avg: 13.55%
59
59th pctile
Efficiency Ratio
Current: 55.18% · Tier avg: 56.60%
67
67th pctile
Loan-to-Deposit Ratio
Current: 91.56% · Tier avg: 85.47%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 31.87% · Tier avg: 20.64%
95
95th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.40%