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Old Second National Bank

IDRSSD: 936136
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #936136 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.75% of assets (threshold 3%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.53% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -7 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +6
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -4
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.8%, cash 1.8% of assets.

Cash / Assets
1.75%
Loans / Deposits
86.82%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.75% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.97%
No watch items at this period.

Capitalization

StrongQoQ -1
89
Sub-score

Capital position is strong: Tier 1 RBC 12.32%, CET1 12.32%, leverage 10.25%.

Tier 1 RBC
12.32%
CET1
12.32%
Leverage
10.25%
No watch items at this period.

Asset Quality

StableQoQ +6
76
Sub-score

Asset quality is stable: Adjusted NPL 1.72%, Texas Ratio 10.8%, NCO YTD 1.53%.

Adjusted NPL
1.72%
Govt-guarantees stripped
Texas Ratio
10.8%
NCO YTD
1.53%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.53% of loans.

Reserves

Risk
34
Sub-score

Reserves are weak: ALLL 1.09% of loans, coverage 64.4%, true coverage 52.8%.

ALLL / Loans
1.09%
Coverage
64.4%
True Loss Coverage
52.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 14:10:18 UTC