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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ -4

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

Quarterly Headline

2026-Q1

Bank #936136 2026-Q1 Vital Signs Score: 82/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.69% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ 0
70
Sub-score

Liquidity is stable: brokered 0.6%, loans/deposits 91.4%, cash 1.7% of assets.

Cash / Assets
1.69%
Loans / Deposits
91.37%
Brokered %
0.60%

Watch Items

  • watchCash / Assets below 3% — Cash 1.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.41%
No watch items at this period.

Capitalization

StrongQoQ +5
95
Sub-score

Capital position is strong: Tier 1 RBC 13.80%, CET1 13.80%, leverage 11.83%.

Tier 1 RBC
13.80%
CET1
13.80%
Leverage
11.83%
No watch items at this period.

Asset Quality

StrongQoQ -8
80
Sub-score

Asset quality is strong: Adjusted NPL 1.48%, Texas Ratio 8.5%, NCO YTD 0.75%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.75%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
0.25%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -22
58
Sub-score

Reserves are deteriorating: ALLL 1.39% of loans, coverage 95.5%, true coverage 68.8%.

ALLL / Loans
1.39%
Coverage
95.5%
True Loss Coverage
68.8%
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