Old Second National Bank Mortgage Rates, Fees & Info

Aurora, IL

LEI: B94HV8SXGDD3J5XESU08

Tax ID: 36-1577458

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Mortgage Data

Bank Data

Review & Overview

Old Second National Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Old Second National Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Chicago, Ottawa, Tampa, Phoenix, and Los Angeles among others. We have data for 54 markets. (Some data included below & more in-depth data is available with an active subscription.)

Old Second National Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Old Second National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.26% 1/26/25
30 Year Conventional Purchase 6.79% 1/26/25
30 Year Conventional Refi 6.61% 1/26/25
30 Year Cash-out Refi 6.80% 1/26/25
30 Year FHA Purchase 7.41% 1/26/25
30 Year FHA Refi 6.27% 1/26/25
30 Year VA Purchase 6.46% 1/26/25
15 Year Conventional Purchase 6.09% 1/26/25
15 Year Conventional Refi 6.26% 1/26/25
15 Year Cash-out Refi 6.26% 1/26/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Old Second National Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Old Second National Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

984

Origination Dollar Volume (All Markets)

$236,420,000

Employee count

535

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 847 $204,385,000 $241,305 $3,467 4.31%
Ottawa, IL (FHA|USDA|VA) 33 $5,715,000 $173,182 $2,728 4.31%
Outside of Metro Areas 14 $3,200,000 $228,571 $2,625 4.24%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,105,000 $300,714 $3,969 4.60%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $1,900,000 $316,667 $4,290 4.08%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,630,000 $815,000 $4,297 3.81%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $1,500,000 $750,000 $6,497 3.88%
ROCKFORD, IL (FHA|USDA|VA) 11 $1,495,000 $135,909 $3,387 4.20%
KNOXVILLE, TN (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,151 3.63%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $0 4.75%
Baraboo, WI (FHA|USDA|VA) 3 $765,000 $255,000 $2,502 4.38%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $695,000 $231,667 $3,814 4.96%
NILES, MI (FHA|USDA|VA) 2 $670,000 $335,000 $3,015 4.25%
Rochelle, IL (FHA|USDA|VA) 5 $625,000 $125,000 $3,117 4.35%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $490,000 $245,000 $2,680 4.44%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $455,000 $455,000 $3,171 3.63%
Key West, FL (FHA|USDA|VA) 1 $415,000 $415,000 $5,697 3.38%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $405,000 $405,000 $2,306 4.13%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $375,000 $375,000 $2,181 3.75%
Sevierville, TN (FHA|USDA|VA) 2 $350,000 $175,000 $3,154 4.25%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $325,000 $325,000 $3,504 4.00%
PANAMA CITY, FL (FHA|USDA|VA) 1 $315,000 $315,000 $3,532 3.50%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $310,000 $155,000 $2,526 5.44%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.45%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $305,000 $305,000 $9,192 3.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $295,000 $295,000 $3,088 4.50%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $275,000 $275,000 $2,980 3.50%
Steamboat Springs, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,796 4.25%
APPLETON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $1,791 3.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,232 4.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $245,000 $245,000 $3,202 4.75%
KANKAKEE, IL (FHA|USDA|VA) 1 $245,000 $245,000 $3,305 3.63%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,006 4.25%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,485 3.75%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,077 4.00%
Crossville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $2,964 4.38%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $195,000 $195,000 $3,093 4.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.45%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $185,000 $185,000 $3,149 4.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $185,000 $185,000 $6,876 5.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $180,000 $45,000 $2,610 4.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $5,267 4.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $165,000 $165,000 $3,181 4.00%
Cedar City, UT (FHA|USDA|VA) 1 $165,000 $165,000 $2,099 3.88%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,090 4.38%
Dixon, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,059 5.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,249 4.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,442 3.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,122 5.00%
TUCSON, AZ (FHA|USDA|VA) 1 $125,000 $125,000 $3,290 4.75%
BAY CITY, MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,479 3.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $95,000 $95,000 $4,419 6.38%
Pontiac, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,269 4.63%
Jacksonville, IL (FHA|USDA|VA) 1 $75,000 $75,000 $2,161 4.88%
Old Second National Bank's top markets include Chicago, Ottawa, Tampa, Phoenix, and Los Angeles among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 877 $215,635,000 $245,878 $2,961 4.34%
    FHA 99 $18,355,000 $185,404 $7,162 4.04%
    VA 8 $2,430,000 $303,750 $7,329 4.06%

    For 2019, Old Second National Bank's most frequently originated type of loan was Conventional, with 877 originations. Their 2nd most popular type was FHA, with 99 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 438 $96,130,000 $219,475 $4,858 4.31%
    Refi 287 $84,605,000 $294,791 $2,236 4.09%
    Cash Out Refi 201 $47,835,000 $237,985 $2,442 4.41%
    Other 58 $7,850,000 $135,345 $2,102 5.06%

    For 2019, Old Second National Bank's most frequently cited loan purpose was Home Purchase, with 438 originations. The 2nd most popular reason was Refi, with 287 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 749 $169,815,000 $226,722 $3,792 4.32%
    15 Year 131 $23,155,000 $176,756 $2,117 4.25%
    20 Year 50 $10,270,000 $205,400 $2,254 4.07%
    Other 21 $7,475,000 $355,952 $1,732 4.60%
    10 Year 17 $3,035,000 $178,529 $2,338 4.10%
    5 Year 16 $22,670,000 $1,416,875 $0 5.02%

    For 2019, Old Second National Bank's most frequently cited loan duration was 30 Year, with 749 originations. The 2nd most popular length was 15 Year, with 131 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 861 $191,595,000 $222,526
    $1k-2k 54 $8,960,000 $165,926
    $2k-3k 26 $4,190,000 $161,154
    $3k-4k 10 $1,670,000 $167,000
    $5k+ 4 $1,440,000 $360,000
    $4k-5k 3 $1,015,000 $338,333

    Old Second National Bank's average total fees were $3,792, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 861 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 478 $116,530,000 $243,787
    3-4% 412 $105,340,000 $255,680
    5-6% 74 $13,230,000 $178,784
    6-7% 9 $555,000 $61,667
    7-8% 9 $375,000 $41,667
    2.5-3% 2 $390,000 $195,000

    During 2019, Old Second National Bank's average interest rate for loans was 4.32%, while their most frequently originated rate bucket for loans was 4-5%, with 478 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 424 $64,280,000 $151,604 $3,463 4.31%
    $200k-400k 327 $88,185,000 $269,679 $3,600 4.09%
    $100,000 or less 132 $9,280,000 $70,303 $2,787 5.00%
    $400k-600k 71 $32,975,000 $464,437 $3,647 4.04%
    $600k-1MM 17 $12,345,000 $726,176 $3,114 4.27%
    $1MM+ 13 $29,355,000 $2,258,077 $4,786 4.52%

    2019 saw Old Second National Bank place emphasis on $100k-200k loans with 424 originations, totaling $64,280,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 201 $45,625,000 $226,990 $3,129 4.25%
    $50k-75k 191 $29,955,000 $156,832 $3,762 4.36%
    $75k-100k 188 $35,170,000 $187,074 $3,574 4.35%
    $50k or less 150 $18,250,000 $121,667 $3,809 4.42%
    $150k-250k 142 $43,020,000 $302,958 $3,209 4.20%
    $250k+ 72 $32,730,000 $454,583 $2,939 4.09%

    Old Second National Bank lent most frequently to those with incomes in the $100k-150k range, with 201 originations. The second most popular income band? $50k-75k, with 191 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 211 $47,745,000 $226,280 $3,063 4.24%
    30-36% 186 $42,130,000 $226,505 $3,227 4.32%
    <20% 63 $14,725,000 $233,730 $2,596 4.22%
    42% 58 $11,430,000 $197,069 $3,298 4.56%
    43% 44 $8,380,000 $190,455 $3,903 4.32%
    36% 41 $7,725,000 $188,415 $3,089 4.23%
    41% 38 $9,320,000 $245,263 $3,558 4.36%
    39% 37 $7,655,000 $206,892 $3,427 4.28%
    38% 36 $7,340,000 $203,889 $3,928 4.41%
    40% 33 $6,655,000 $201,667 $3,767 4.25%
    37% 32 $6,730,000 $210,313 $3,339 4.05%
    49% 32 $6,170,000 $192,813 $3,571 4.38%
    44% 29 $4,925,000 $169,828 $4,104 4.58%
    45% 27 $6,425,000 $237,963 $4,206 4.26%
    50-60% 25 $5,295,000 $211,800 $6,531 4.18%
    46% 24 $5,920,000 $246,667 $3,782 4.17%
    48% 22 $5,500,000 $250,000 $3,492 4.24%
    47% 21 $4,695,000 $223,571 $3,850 4.05%
    >60% 2 $570,000 $285,000 $1,909 4.31%

    Old Second National Bank lent most frequently to those with DTI ratios of 20-30%, with 211 originations. The next most common DTI ratio? 30-36%, with 186 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 813 $181,655,000 $223,438 $3,309 4.28%
    Not applicable 21 $22,965,000 $1,093,571 $0 5.20%
    Not provided 85 $18,615,000 $219,000 $4,275 4.31%
    Asian 30 $8,460,000 $282,000 $3,545 4.28%
    Black 33 $4,295,000 $130,152 $4,072 4.63%
    American Indian 2 $430,000 $215,000 $4,902 3.88%

    Approval Rates

    Total approvals of all applications
    91.12%

    Old Second National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    78.05%

    Old Second National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 984 $236,420,000 $240,264

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 13 $21,985,000 $1,691,154
    Single Family (1-4 Units):Manufactured 1 $125,000 $125,000
    Single Family (1-4 Units):Site-Built 970 $214,310,000 $220,938

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 61 $10,635,000 $174,344 $1,939 4.52%
    40-60% 136 $29,050,000 $213,603 $2,588 4.19%
    60-80% 402 $110,790,000 $275,597 $2,903 4.32%
    80-100% 355 $83,205,000 $234,380 $4,636 4.21%
    Over 100% 4 $1,080,000 $270,000 $10,980 4.56%
    Under 20% 26 $1,660,000 $63,846 $1,323 5.71%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Old Second National Bank 1200 Douglas Road Oswego, IL 60543 Full Service B&M $105,685
    Old Second National Bank 1230 N. Orchard Road Aurora, IL 60506 Full Service B&M $59,013
    Old Second National Bank 1301-1305 West Taylor Street Chicago, IL 60607 Full Service B&M $7,874
    Old Second National Bank 1350 North Farnsworth Avenue Aurora, IL 60505 Full Service B&M $72,628
    Old Second National Bank 1810 Dekalb Avenue Sycamore, IL 60178 Full Service B&M $28,068
    Old Second National Bank 194 South Main Street Burlington, IL 60109 Full Service B&M $85,565
    Old Second National Bank 195 West Joe Orr Road Chicago Heights, IL 60411 Full Service B&M $91,910
    Old Second National Bank 1991 West Wilson Street Batavia, IL 60510 Full Service B&M $77,434
    Old Second National Bank 200 West John Street North Aurora, IL 60542 Full Service B&M $86,697
    Old Second National Bank 20201 South La Grange Road Frankfort, IL 60423 Full Service B&M $82,693
    Old Second National Bank 26 West Countryside Parkway Yorkville, IL 60560 Full Service B&M $132,642
    Old Second National Bank 2s101 Harter Road Kaneville, IL 60144 Full Service B&M $22,167
    Old Second National Bank 3101 Ogden Road Lisle, IL 60532 Full Service B&M $19,582
    Old Second National Bank 323 East Norris Drive Ottawa, IL 61350 Full Service B&M $51,735
    Old Second National Bank 3290 Us Highway 20 And Nesler Road Elgin, IL 60123 Full Service B&M $25,579
    Old Second National Bank 333 West Wacker Drive, Suite 710 Chicago, IL 60606 Full Service Retail $110,794
    Old Second National Bank 37-39 South River Street Aurora, IL 60506 Full Service B&M $467,796
    Old Second National Bank 4080 Fox Valley Center Drive Aurora, IL 60504 Full Service B&M $36,914
    Old Second National Bank 40w 422 Il-64 Wasco, IL 60183 Full Service B&M $46,045
    Old Second National Bank 555 Redwood Drive Aurora, IL 60506 Full Service B&M $76,882
    Old Second National Bank 6400 W. North Avenue Chicago, IL 60707 Full Service B&M $54,636
    Old Second National Bank 7050 Burroughs Avenue Plano, IL 60545 Full Service B&M $33,909
    Old Second National Bank 749 North Main Street Elburn, IL 60119 Full Service B&M $110,725
    Old Second National Bank 801 S. Kirk Road Saint Charles, IL 60174 Full Service B&M $28,223
    Old Second National Bank 850 Essington Joliet, IL 60435 Full Service B&M $20,642
    Old Second National Bank 9443 South Ashland Avenue Chicago, IL 60620 Full Service B&M $24,197
    Old Second National Bank Cross Street At Illinois Route 47 Sugar Grove, IL 60554 Full Service B&M $63,097
    Old Second National Bank Two South York Road Bensenville, IL 60106 Full Service B&M $66,935

    For 2019, Old Second National Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $115,486
    Net interest income $103,088
    Total noninterest income $31,034
    Gross Fiduciary activities income $6,656
    Service charges on deposit accounts $7,715
    Trading account gains and fees $0
    Additional Noninterest Income $16,663
    Pre-tax net operating income $57,699
    Securities gains (or losses, -) $4,511
    Income before extraordinary items $46,621
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $46,621
    Minority interest net income $0
    Net income $46,621
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $43,057

    Old Second National Bank's gross interest income from loans was $115,486,000.
    Old Second National Bank's net interest income from loans was $103,088,000.
    Old Second National Bank's fee based income from loans was $7,715,000.
    Old Second National Bank's net income from loans was $46,621,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,398
    Provision for credit losses $1,600
    Total noninterest expense $74,823
    Salaries and employee benefits $43,763
    Premises and equipment expense $8,250
    Additional noninterest expense $22,810
    Applicable income taxes $15,589
    Net charge-offs $817
    Cash dividends $20,000

    Old Second National Bank's interest expense for loans was $12,398,000.
    Old Second National Bank's payroll and benefits expense were $43,763,000.
    Old Second National Bank's property, plant and equipment expenses $8,250,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,153,311
    Deposits held in domestic offices $2,153,311
    Deposits by Individuals, partnerships, and corporations $1,997,715
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $150,202
    Deposits by Commercial banks and other depository institutions in U.S. $5,394
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $262,354
    Demand deposits $189,577
    Nontransaction accounts $1,890,957
    Money market deposit accounts (MMDAs) $1,130,653
    Other savings deposits (excluding MMDAs) $318,636
    Total time deposits $441,668
    Total time and savings deposits $1,963,734
    Noninterest-bearing deposits $189,577
    Interest-bearing deposits $1,963,734
    Retail deposits $2,090,250
    IRAs and Keogh plan accounts $96,379
    Brokered deposits $249
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,632,912
    Cash & Balances due from depository institutions $50,632
    Interest-bearing balances $16,536
    Total securities $484,648
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,914,084
    Loan and leases loss allowance $19,789
    Trading account assets $0
    Bank premises and fixed assets $44,354
    Other real estate owned $5,004
    Goodwill and other intangibles $27,210
    All other assets $106,980

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,632,912
    Total Liabilities $2,281,962
    Total deposits $2,153,311
    Interest-bearing deposits $1,963,734
    Deposits held in domestic offices $2,153,311
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $48,693
    Trading liabilities $0
    Other borrowed funds $55,173
    Subordinated debt $0
    All other liabilities $24,785

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,914,084
    Loan and leases loss allowance $19,789
    Total loans and leases (domestic) $1,933,873
    All real estate loans $1,467,629
    Real estate loans in domestic offices $1,467,629
    Construction and development loans $69,824
    Residential 1-4 family construction $15,493
    Other construction, all land development and other land $54,331
    Loans secured by nonfarm nonresidential properties $850,895
    Nonfarm nonresidential secured by owner-occupied properties $330,966
    Commercial real estate & other non-farm, non-residential $519,929
    Multifamily residential real estate $194,035
    1-4 family residential loans $335,483
    Farmland loans $17,392
    Loans held in foreign offices $0
    Farm loans $7,097
    Commercial and industrial loans $427,004
    To non-U.S. addressees $0
    Loans to individuals $3,862
    Credit card loans $0
    Related Plans $2,546
    Consumer Auto Loans $927
    Other loans to individuals $389
    All other loans & leases $28,281
    Loans to foreign governments and official institutions $0
    Other loans $264
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $6,359
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $872
    Non 1-4 family restructured loans & leases $54
    Total loans and leases (foreign) $0

    Old Second National Bank had $1,914,084,000 of loans outstanding in 2019. $1,467,629,000 of loans were in real estate loans. $69,824,000 of loans were in development loans. $194,035,000 of loans were in multifamily mortgage loans. $335,483,000 of loans were in 1-4 family mortgage loans. $7,097,000 of loans were in farm loans. $0 of loans were in credit card loans. $927,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 602 $159,239 $264,517
    Nonfarm, nonresidential loans - <$100k 57 $2,567 $45,035
    Nonfarm, nonresidential loans - $100-250k 199 $24,427 $122,749
    Nonfarm, nonresidential loans - $250k-1MM 346 $132,245 $382,211
    Commercial & Industrial, US addressed loans - <$1MM 882 $133,267 $151,096
    Commercial & Industrial, US addressed loans - <$100k 250 $6,397 $25,588
    Commercial & Industrial, US addressed loans - $100-250k 246 $27,719 $112,679
    Commercial & Industrial, US addressed loans - $250k-1MM 386 $99,151 $256,868
    Farmland loans - <$1MM 17 $3,848 $226,353
    Farmland loans - <$100k 1 $9 $9,000
    Farmland loans - $100-250k 5 $687 $137,400
    Farmland loans - $250k-1MM 11 $3,152 $286,545
    Agriculture operations loans - <$1MM 25 $2,274 $90,960
    Agriculture operations loans - <$100k 8 $93 $11,625
    Agriculture operations loans - $100-250k 12 $994 $82,833
    Agriculture operations loans - $250k-1MM 5 $1,187 $237,400