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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #936136 2025-Q2 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.49% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ -5
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 81.3%, cash 2.5% of assets.

Cash / Assets
2.49%
Loans / Deposits
81.30%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.49% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.34%
No watch items at this period.

Capitalization

StrongQoQ +3
96
Sub-score

Capital position is strong: Tier 1 RBC 14.02%, CET1 14.02%, leverage 11.37%.

Tier 1 RBC
14.02%
CET1
14.02%
Leverage
11.37%
No watch items at this period.

Asset Quality

StrongQoQ +5
97
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 4.6%, NCO YTD 0.08%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.6%
NCO YTD
0.08%
30-89 PD
0.37%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +6
54
Sub-score

Reserves are deteriorating: ALLL 1.07% of loans, coverage 133.3%, true coverage 65.3%.

ALLL / Loans
1.07%
Coverage
133.3%
True Loss Coverage
65.3%
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