Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

OLD SECOND NATIONAL BANK

FDIC #3603 · IL · period 20260630

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Total assets2,099,020-9.91% YoY

Total deposits1,828,556-6.81% YoY

Net loans and leases1,128,776-23.54% YoY

Return on assets0.85%-19.39% YoY

Return on equity8.59%-16.92% YoY

Net interest margin3.55%-5.93% YoY

Peer position

Return on assets78thstrength · n=902

Return on equity53rdin line · n=894

Net interest margin96thstrength · n=902

Equity to assets87thstrength · n=894

Noncurrent loans25thopportunity · n=887

Liquid assets36thin line · n=895

Brokered deposits58thin line · n=890

Loans to deposits26thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,099,020	1,828,556	1,128,776	0.85	8.59	3.55
2016-06-30	2,137,304	1,811,413	1,150,918	0.89	8.94	3.53
2016-09-30	2,091,948	1,807,218	1,191,619	0.88	8.68	3.53
2016-12-31	2,227,613	1,893,710	1,467,569	0.94	9.28	3.60
2017-03-31	2,329,871	1,962,160	1,476,213	1.05	10.34	3.77
2017-06-30	2,321,316	1,933,266	1,529,251	1.11	10.79	3.86
2017-09-30	2,339,927	1,911,726	1,579,367	1.21	11.60	3.86
2017-12-31	2,365,825	1,945,936	1,604,228	1.05	9.92	3.87
2018-03-31	2,347,000	1,982,900	1,586,050	1.81	16.20	3.92
2018-06-30	2,630,808	2,167,847	1,835,047	1.55	13.94	4.10
2018-09-30	2,597,945	2,141,776	1,818,533	1.64	14.55	4.18
2018-12-31	2,661,311	2,125,712	1,881,005	1.64	14.41	4.22
2019-03-31	2,610,529	2,131,671	1,885,964	1.53	12.64	4.23
2019-06-30	2,618,062	2,090,066	1,888,713	1.62	13.00	4.30
2019-09-30	2,611,102	2,086,762	1,885,752	1.79	14.08	4.34
2019-12-31	2,632,912	2,153,311	1,914,084	1.77	13.80	4.28
2020-03-31	2,658,061	2,236,386	1,937,208	0.38	3.04	4.08
2020-06-30	2,934,058	2,488,613	2,030,479	0.98	7.99	3.86
2020-09-30	2,981,114	2,519,101	2,007,638	1.18	9.74	3.74
2020-12-31	3,046,940	2,584,674	2,013,606	1.21	10.10	3.70
2021-03-31	3,169,776	2,695,908	1,936,500	1.68	14.63	3.41
2021-06-30	3,256,177	2,773,702	1,881,541	1.50	13.05	3.28
2021-09-30	3,276,400	2,806,168	1,844,002	1.43	12.42	3.26
2021-12-31	6,214,413	5,491,343	3,382,404	0.78	7.07	2.91
2022-03-31	6,223,424	5,562,385	3,366,137	0.90	9.17	2.95
2022-06-30	6,003,138	5,353,867	3,581,389	0.92	9.42	3.14
2022-09-30	5,966,249	5,303,858	3,821,784	1.09	11.33	3.46
2022-12-31	5,883,754	5,149,924	3,820,620	1.25	13.06	3.80
2023-03-31	5,918,823	4,922,731	3,950,908	1.75	18.01	4.85
2023-06-30	5,880,905	4,731,530	3,961,429	1.84	18.77	4.87
2023-09-30	5,757,068	4,625,242	3,980,111	1.82	18.34	4.85
2023-12-31	5,718,417	4,607,461	4,000,011	1.72	16.96	4.82
2024-03-31	5,611,401	4,641,368	3,926,370	1.62	14.58	4.67
2024-06-30	5,659,317	4,552,459	3,936,617	1.65	14.49	4.67
2024-09-30	5,668,681	4,518,028	3,949,103	1.68	14.52	4.69
2024-12-31	5,647,659	4,846,769	3,939,273	1.63	14.00	4.73
2025-03-31	5,726,177	4,925,326	3,902,883	1.54	12.74	4.90
2025-06-30	5,699,285	4,869,419	3,958,912	1.61	13.11	4.95
2025-09-30	6,981,757	5,795,547	5,191,440	1.32	10.55	5.14
2025-12-31	6,899,693	5,661,376	5,183,475	1.46	11.59	5.22
2026-03-31	6,846,609	5,600,748	5,117,455	1.61	12.05	5.19
2026-06-30	6,861,243	5,467,167	5,177,839	1.69	12.59	5.26

Structure and branch footprint

57 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-07-01	1	2834759	936136
2021-12-01	1	375034	936136
2018-04-20	1	4839	936136
2008-02-09	1	27838	936136
2007-07-01	1	582234	936136
2007-07-01	1	289542	936136
2007-01-01	1	1945975	936136
2000-02-25	1	594442	936136
1999-01-01	1	608237	936136
1999-01-01	1	842947	936136
1997-06-13	1	422330	936136

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.