Old Second National Bank (FDIC #3603): Bank Stress & Real-Estate Credit Exposure
Old Second National Bank (FDIC Cert #3603): bank stress 45/100, moderate, STABLE over 7 days; parent OLD SECOND BCORP INC.
Old Second National Bank (#3603) lends in 7 counties across 1 state; Old Second National Bank (#3603) reaches 316 ZIP codes: Illinois 7 counties, 316 ZIPs.
Old Second National Bank (#3603) largest markets: Cook County, IL (1,780 branches, 178 ZIPs) (#3603), Will County, IL (225 branches, 45 ZIPs) (#3603), Dupage County, IL (946 branches, 43 ZIPs) (#3603), Kane County, IL (476 branches, 34 ZIPs) (#3603), Lasalle County, IL (29 branches, 29 ZIPs) (#3603), Dekalb County, IL (22 branches, 22 ZIPs) (#3603).
Old Second National Bank (#3603) reports $6.86 billion in total assets; Old Second National Bank (#3603) equity $924.9 million (13.5% of Old Second National Bank (#3603) assets); Old Second National Bank (#3603) domestic deposits $5.47 billion; Old Second National Bank (#3603) net income $57.9 million; Old Second National Bank (#3603) return on assets 1.69%; Old Second National Bank (#3603) return on equity 12.59%; Old Second National Bank (#3603) net interest income $166.3 million; Old Second National Bank (#3603) call report June 30, 2026.
Old Second National Bank (#3603) noncurrent real-estate loans 0.46% of its book; Old Second National Bank (#3603) residential 0.72%; Old Second National Bank (#3603) net charge-offs on real estate 1.15%; Old Second National Bank (#3603) multifamily charge-offs 0.33%; Old Second National Bank (#3603) residential charge-offs 1.39%.
Old Second National Bank (#3603) net interest margin 5.26% against an eight-quarter Old Second National Bank (#3603) average of 5.01% (Old Second National Bank (#3603) compression -0.25 points); Old Second National Bank (#3603) real-estate loans 45.5% of equity; Old Second National Bank (#3603) non-residential real estate 138.5% of equity; Old Second National Bank (#3603) rate-exposure score 40/100, Old Second National Bank (#3603) fixed-rate trap 40/100; Old Second National Bank (#3603) risk type credit driven; Old Second National Bank (#3603) rate regime rates elevated, Old Second National Bank (#3603) snapshot October 20, 2026.
Old Second National Bank (#3603) stress score moved from 44.3 on June 22, 2026 to 44.6 on October 20, 2026; Old Second National Bank (#3603) ranged 44.3 to 44.6 over 117 snapshots.
Old Second National Bank (#3603) alerts: 7 counties; top Old Second National Bank (#3603) alert scores: Ottawa County, IL 19 (low); Romeoville County, IL 19 (low); South Holland County, IL 19 (low); Sycamore County, IL 19 (low); Wasco County, IL 19 (low).