Old Second Bancorp Inc. is a Delaware bank holding company headquartered in Aurora, Illinois, operating through its wholly owned subsidiary, Old Second National Bank. The group provides community banking, commercial lending, deposit services, and wealth management through a branch network across several counties in the Chicago metropolitan area and nearby northern Illinois markets.
| % | |
|---|---|
| Deposit products | 35% Checking, savings, money market, time deposit, and retirement accounts. |
| Commercial lending | 30% Commercial mortgages, business loans, leases, and construction lending. |
| Consumer and residential lending | 15% Residential mortgages, consumer loans, and related loan sales activity. |
| Wealth management and trust | 15% Trust administration, fiduciary services, and investment management. |
| Other noninterest services | 5% Treasury management, card income, service charges, and other fees. |
Old Second serves individuals, small and medium-sized businesses, and local organizations across its Illinois branch...
Individuals and households buying checking, savings, CDs, mortgages, and consumer loans through the branch network.
Local businesses using commercial loans, deposits, and treasury management for working capital and operations.
Individuals, estates, corporations, and nonprofits buying fiduciary, advisory, and custodial services.
Governmental authorities, associations, and organizations placing deposits and using banking services.
Old Second’s business is concentrated in northern Illinois, with banking centers in Cook, DeKalb, DuPage, Kane,...
The company’s strategy centers on relationship banking, local market presence, and a diversified mix of lending,...
Stable local deposits and client relationships support funding and loan growth.
Fee-based services diversify revenue beyond net interest income.
Loan losses and collateral weakness can quickly affect a community bank.
Old Second is exposed to credit risk, interest rate risk, and local economic conditions because most of its business is...
The company lends against commercial, real estate, and consumer collateral, so borrower stress can increase charge-offs and provisions.
Net interest income depends on the timing and speed of repricing between assets and liabilities.
Operations are concentrated in a limited set of Illinois counties, making results sensitive to regional economic weakness.
Large banks, credit unions, mortgage firms, and fintechs can compete on rates, convenience, and product breadth.
: 29.4.2026