Old Second National Bank Mortgage Rates, Fees & Info

Aurora, IL

LEI: B94HV8SXGDD3J5XESU08

Tax ID: 36-1577458

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank Data

Review & Overview

Old Second National Bank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Old Second National Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Ottawa, Los Angeles, Rockford, and Milwaukee among others. We have data for 53 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% 11/21/24
30 Year Conventional Purchase 6.79% 11/21/24
30 Year Conventional Refi 6.61% 11/21/24
30 Year Cash-out Refi 6.80% 11/21/24
30 Year FHA Purchase 7.41% 11/21/24
30 Year FHA Refi 6.27% 11/21/24
30 Year VA Purchase 6.46% 11/21/24
15 Year Conventional Purchase 6.09% 11/21/24
15 Year Conventional Refi 6.26% 11/21/24
15 Year Cash-out Refi 6.26% 11/21/24
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

1,205

Origination Dollar Volume (All Markets)

$275,765,000

Employee count

891

Awards

Old Second National Bank 30 Year Conventional Loans silver Old Second National Bank 30 Year Conventional Loans bronze
Show all (2) awards

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) 1,016 $230,070,000 $226,447 $2,884 3.19%
Ottawa, IL (FHA|USDA|VA) 49 $8,405,000 $171,531 $2,765 3.16%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $6,140,000 $1,535,000 $8,586 4.00%
Outside of Metro Areas 17 $3,255,000 $191,471 $2,938 3.04%
ROCKFORD, IL (FHA|USDA|VA) 17 $2,325,000 $136,765 $2,715 3.26%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $2,085,000 $695,000 $2,437 3.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $1,970,000 $328,333 $4,855 2.92%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,885,000 $377,000 $4,074 2.75%
Rochelle, IL (FHA|USDA|VA) 12 $1,710,000 $142,500 $3,025 3.26%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $1,460,000 $365,000 $4,708 2.94%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,483 3.36%
NILES, MI (FHA|USDA|VA) 2 $900,000 $450,000 $3,535 3.00%
KANKAKEE, IL (FHA|USDA|VA) 5 $795,000 $159,000 $4,588 3.98%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $720,000 $360,000 $3,027 3.13%
Holland, MI (FHA|USDA|VA) 1 $685,000 $685,000 $0 4.50%
Whitewater, WI (FHA|USDA|VA) 3 $635,000 $211,667 $2,835 3.58%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $635,000 $211,667 $2,545 2.96%
Dixon, IL (FHA|USDA|VA) 5 $635,000 $127,000 $3,901 3.25%
TUCSON, AZ (FHA|USDA|VA) 1 $605,000 $605,000 $5,286 3.25%
Newberry, SC (FHA|USDA|VA) 1 $545,000 $545,000 $3,958 3.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $535,000 $535,000 $4,248 3.13%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $530,000 $265,000 $2,362 3.06%
Baraboo, WI (FHA|USDA|VA) 2 $510,000 $255,000 $2,327 2.94%
MADISON, WI (FHA|USDA|VA) 2 $510,000 $255,000 $2,172 3.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $510,000 $255,000 $2,503 3.06%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $435,000 $435,000 $2,992 3.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $410,000 $205,000 $2,789 3.25%
Red Wing, MN (FHA|USDA|VA) 1 $375,000 $375,000 $3,345 3.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $320,000 $160,000 $3,339 3.19%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $305,000 $305,000 $3,891 2.88%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $305,000 $305,000 $14,719 2.25%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $295,000 $295,000 $2,780 3.00%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $290,000 $145,000 $2,113 2.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $285,000 $285,000 $1,894 2.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $270,000 $135,000 $2,965 3.06%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $7,627 2.75%
Crossville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $3,437 3.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $245,000 $245,000 $7,872 2.63%
Mountain Home, AR (FHA|USDA|VA) 1 $225,000 $225,000 $2,163 3.13%
FORT COLLINS, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,005 3.38%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $225,000 $225,000 $4,683 3.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $210,000 $105,000 $2,398 3.06%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,816 2.63%
TULSA, OK (FHA|USDA|VA) 1 $185,000 $185,000 $3,393 2.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $2,368 2.88%
ANCHORAGE, AK (FHA|USDA|VA) 1 $155,000 $155,000 $2,471 4.00%
AKRON, OH (FHA|USDA|VA) 1 $155,000 $155,000 $3,064 3.88%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,694 2.63%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,390 2.88%
Sterling, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,613 3.75%
Martin, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 5.00%
BAY CITY, MI (FHA|USDA|VA) 1 $55,000 $55,000 $3,216 4.88%
DECATUR, IL (FHA|USDA|VA) 1 $35,000 $35,000 $2,540 3.13%
Old Second National Bank's top markets include Chicago, Ottawa, Los Angeles, Rockford, and Milwaukee among others.

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

    We use machine learning to identify the top lenders compared against Old Second National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,126 $259,300,000 $230,284 $2,633 3.21%
    FHA 66 $13,230,000 $200,455 $7,441 3.01%
    VA 13 $3,235,000 $248,846 $5,661 2.69%

    For 2021, Old Second National Bank's most frequently originated type of loan was Conventional, with 1,126 originations. Their 2nd most popular type was FHA, with 66 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 511 $107,805,000 $210,969 $2,006 3.00%
    Home Purchase 389 $103,435,000 $265,900 $5,051 3.34%
    Cash Out Refi 263 $58,605,000 $222,833 $2,240 3.24%
    Other 33 $4,725,000 $143,182 $1,475 3.74%
    Home Improvement 9 $1,195,000 $132,778 $1,313 3.90%

    For 2021, Old Second National Bank's most frequently cited loan purpose was Refi, with 511 originations. The 2nd most popular reason was Home Purchase, with 389 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 761 $179,505,000 $235,880 $3,478 3.29%
    15 Year 239 $45,185,000 $189,059 $2,019 2.80%
    20 Year 103 $20,805,000 $201,990 $2,049 3.10%
    5 Year 36 $13,980,000 $388,333 $0 4.27%
    10 Year 35 $5,565,000 $159,000 $1,870 2.72%
    Other 25 $6,415,000 $256,600 $1,821 3.12%
    3 Year 4 $3,220,000 $805,000 $0 4.31%
    1 Year 2 $1,090,000 $545,000 $0 4.13%

    For 2021, Old Second National Bank's most frequently cited loan duration was 30 Year, with 761 originations. The 2nd most popular length was 15 Year, with 239 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,011 $228,525,000 $226,039
    $1k-2k 67 $10,395,000 $155,149
    $2k-3k 28 $6,330,000 $226,071
    $3k-4k 4 $1,050,000 $262,500
    $5k+ 4 $1,450,000 $362,500
    $4k-5k 1 $285,000 $285,000

    Old Second National Bank's average total fees were $3,478, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,011 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 570 $135,430,000 $237,596
    2.5-3% 448 $99,310,000 $221,674
    <2.5% 106 $24,010,000 $226,509
    4-5% 72 $16,560,000 $230,000
    5-6% 7 $405,000 $57,857
    7-8% 2 $50,000 $25,000

    During 2021, Old Second National Bank's average interest rate for loans was 3.29%, while their most frequently originated rate bucket for loans was 3-4%, with 570 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 549 $82,255,000 $149,827 $2,663 3.12%
    $200k-400k 440 $119,320,000 $271,182 $3,379 3.10%
    $100,000 or less 107 $7,505,000 $70,140 $2,048 3.80%
    $400k-600k 83 $40,615,000 $489,337 $3,297 3.17%
    $600k-1MM 19 $14,295,000 $752,368 $3,638 3.68%
    $1MM+ 7 $11,775,000 $1,682,143 $8,586 4.00%

    2021 saw Old Second National Bank place emphasis on $100k-200k loans with 549 originations, totaling $82,255,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 276 $45,880,000 $166,232 $3,270 3.18%
    $100k-150k 258 $61,740,000 $239,302 $2,710 3.13%
    $75k-100k 207 $40,995,000 $198,043 $2,894 3.12%
    $150k-250k 176 $51,110,000 $290,398 $2,892 3.07%
    $50k or less 163 $20,365,000 $124,939 $2,852 3.32%
    $250k+ 75 $33,415,000 $445,533 $3,230 3.12%

    Old Second National Bank lent most frequently to those with incomes in the $50k-75k range, with 276 originations. The second most popular income band? $100k-150k, with 258 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 265 $54,935,000 $207,302 $2,632 3.07%
    30-36% 236 $49,950,000 $211,653 $2,931 3.21%
    <20% 102 $21,280,000 $208,627 $2,376 3.11%
    38% 50 $11,490,000 $229,800 $2,942 3.38%
    43% 48 $11,360,000 $236,667 $3,663 3.16%
    44% 43 $9,885,000 $229,884 $3,277 3.32%
    40% 42 $8,680,000 $206,667 $2,830 3.22%
    37% 42 $10,230,000 $243,571 $3,358 3.29%
    48% 40 $9,090,000 $227,250 $3,002 2.98%
    41% 38 $9,010,000 $237,105 $2,951 3.23%
    39% 38 $8,150,000 $214,474 $3,244 3.21%
    36% 35 $8,855,000 $253,000 $3,132 3.17%
    45% 35 $7,385,000 $211,000 $3,002 3.25%
    47% 35 $8,755,000 $250,143 $3,163 3.07%
    42% 34 $7,890,000 $232,059 $2,842 3.18%
    49% 32 $7,600,000 $237,500 $2,974 3.00%
    46% 26 $5,490,000 $211,154 $3,131 3.21%
    50-60% 16 $3,590,000 $224,375 $6,248 3.03%
    >60% 2 $240,000 $120,000 $2,054 2.63%

    Old Second National Bank lent most frequently to those with DTI ratios of 20-30%, with 265 originations. The next most common DTI ratio? 30-36%, with 236 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,031 $229,825,000 $222,915 $2,860 3.14%
    Not applicable 37 $18,955,000 $512,297 $0 4.29%
    Black 55 $9,405,000 $171,000 $4,590 3.43%
    Not provided 50 $9,150,000 $183,000 $3,074 3.18%
    Asian 29 $7,925,000 $273,276 $3,123 3.00%
    Asian Indian 2 $480,000 $240,000 $3,037 3.44%
    Other Asian 1 $25,000 $25,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    92.28%

    Old Second National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.32%

    Old Second National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,205 $275,765,000 $228,851

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,205 $275,765,000 $228,851

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 69 $11,455,000 $166,014 $2,195 3.17%
    40-60% 239 $47,395,000 $198,305 $2,145 3.00%
    60-80% 537 $135,795,000 $252,877 $2,461 3.23%
    80-100% 331 $78,105,000 $235,967 $4,444 3.18%
    Over 100% 3 $685,000 $228,333 $8,399 3.08%
    Under 20% 21 $1,485,000 $70,714 $528 4.56%

    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 $138,486
    Old Second National Bank 1230 N. Orchard Road Aurora, IL 60506 Full Service B&M $80,683
    Old Second National Bank 1301-1305 West Taylor Street Chicago, IL 60607 Full Service B&M $9,249
    Old Second National Bank 1350 North Farnsworth Avenue Aurora, IL 60505 Full Service B&M $94,801
    Old Second National Bank 1810 Dekalb Avenue Sycamore, IL 60178 Full Service B&M $40,271
    Old Second National Bank 194 South Main Street Burlington, IL 60109 Full Service B&M $100,218
    Old Second National Bank 195 West Joe Orr Road Chicago Heights, IL 60411 Full Service B&M $122,613
    Old Second National Bank 1991 West Wilson Street Batavia, IL 60510 Full Service B&M $99,649
    Old Second National Bank 200 West John Street North Aurora, IL 60542 Full Service B&M $104,013
    Old Second National Bank 20201 South La Grange Road Frankfort, IL 60423 Full Service B&M $106,995
    Old Second National Bank 26 West Countryside Parkway Yorkville, IL 60560 Full Service B&M $168,673
    Old Second National Bank 2s101 Harter Road Kaneville, IL 60144 Full Service B&M $23,740
    Old Second National Bank 3101 Ogden Road Lisle, IL 60532 Full Service B&M $24,578
    Old Second National Bank 323 East Norris Drive Ottawa, IL 61350 Full Service B&M $58,140
    Old Second National Bank 3290 Us Highway 20 And Nesler Road Elgin, IL 60123 Full Service B&M $28,614
    Old Second National Bank 333 West Wacker Drive, Suite 710 Chicago, IL 60606 Full Service Retail $167,599
    Old Second National Bank 37-39 South River Street Aurora, IL 60506 Full Service B&M $716,693
    Old Second National Bank 4080 Fox Valley Center Drive Aurora, IL 60504 Full Service B&M $50,417
    Old Second National Bank 40w 422 Il-64 Wasco, IL 60183 Full Service B&M $61,551
    Old Second National Bank 555 Redwood Drive Aurora, IL 60506 Full Service B&M $88,884
    Old Second National Bank 6400 W. North Avenue Chicago, IL 60707 Full Service B&M $64,899
    Old Second National Bank 7050 Burroughs Avenue Plano, IL 60545 Full Service B&M $41,560
    Old Second National Bank 749 North Main Street Elburn, IL 60119 Full Service B&M $139,500
    Old Second National Bank 801 S. Kirk Road Saint Charles, IL 60174 Full Service B&M $31,486
    Old Second National Bank 850 Essington Joliet, IL 60435 Full Service B&M $30,357
    Old Second National Bank 901 Essington Road Joliet, IL 60435 Full Service B&M $0
    Old Second National Bank 9443 South Ashland Avenue Chicago, IL 60620 Full Service B&M $28,467
    Old Second National Bank Cross Street At Illinois Route 47 Sugar Grove, IL 60554 Full Service B&M $83,210
    Old Second National Bank Two South York Road Bensenville, IL 60106 Full Service B&M $68,356

    For 2021, Old Second National Bank had 29 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $105,202
    Net interest income $102,478
    Total noninterest income $38,996
    Gross Fiduciary activities income $7,348
    Service charges on deposit accounts $5,408
    Trading account gains and fees $0
    Additional Noninterest Income $26,240
    Pre-tax net operating income $40,264
    Securities gains (or losses, -) $232
    Income before extraordinary items $29,687
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $29,687
    Minority interest net income $0
    Net income $29,687
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $29,503

    Old Second National Bank's gross interest income from loans was $105,202,000.
    Old Second National Bank's net interest income from loans was $102,478,000.
    Old Second National Bank's fee based income from loans was $5,408,000.
    Old Second National Bank's net income from loans was $29,687,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,724
    Provision for credit losses $4,326
    Total noninterest expense $96,884
    Salaries and employee benefits $55,500
    Premises and equipment expense $13,540
    Additional noninterest expense $27,844
    Applicable income taxes $10,809
    Net charge-offs $4,444
    Cash dividends $44,000

    Old Second National Bank's interest expense for loans was $2,724,000.
    Old Second National Bank's payroll and benefits expense were $55,500,000.
    Old Second National Bank's property, plant and equipment expenses $13,540,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    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 2.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.4%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,491,343
    Deposits held in domestic offices $5,491,343
    Deposits by Individuals, partnerships, and corporations $5,152,029
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $336,377
    Deposits by Commercial banks and other depository institutions in U.S. $2,937
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,717,449
    Demand deposits $1,438,356
    Nontransaction accounts $3,773,894
    Money market deposit accounts (MMDAs) $1,432,065
    Other savings deposits (excluding MMDAs) $1,838,019
    Total time deposits $503,810
    Total time and savings deposits $4,052,987
    Noninterest-bearing deposits $1,717,449
    Interest-bearing deposits $3,773,894
    Retail deposits $5,422,624
    IRAs and Keogh plan accounts $150,070
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,214,413
    Cash & Balances due from depository institutions $752,106
    Interest-bearing balances $713,541
    Total securities $1,692,488
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,382,404
    Loan and leases loss allowance $44,281
    Trading account assets $0
    Bank premises and fixed assets $88,005
    Other real estate owned $2,356
    Goodwill and other intangibles $109,734
    All other assets $187,320

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,214,413
    Total Liabilities $5,588,867
    Total deposits $5,491,343
    Interest-bearing deposits $3,773,894
    Deposits held in domestic offices $5,491,343
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $50,337
    Trading liabilities $0
    Other borrowed funds $6,073
    Subordinated debt $0
    All other liabilities $41,114

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,382,404
    Loan and leases loss allowance $44,281
    Total loans and leases (domestic) $3,426,685
    All real estate loans $2,454,805
    Real estate loans in domestic offices $2,454,805
    Construction and development loans $206,132
    Residential 1-4 family construction $37,541
    Other construction, all land development and other land $168,591
    Loans secured by nonfarm nonresidential properties $1,515,632
    Nonfarm nonresidential secured by owner-occupied properties $558,560
    Commercial real estate & other non-farm, non-residential $957,072
    Multifamily residential real estate $308,355
    1-4 family residential loans $408,506
    Farmland loans $16,180
    Loans held in foreign offices $0
    Farm loans $3,750
    Commercial and industrial loans $922,391
    To non-U.S. addressees $0
    Loans to individuals $12,635
    Credit card loans $5,212
    Related Plans $2,233
    Consumer Auto Loans $3,659
    Other loans to individuals $1,531
    All other loans & leases $33,104
    Loans to foreign governments and official institutions $0
    Other loans $3,777
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $26,350
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $25
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Old Second National Bank had $3,382,404,000 of loans outstanding in 2021. $2,454,805,000 of loans were in real estate loans. $206,132,000 of loans were in development loans. $308,355,000 of loans were in multifamily mortgage loans. $408,506,000 of loans were in 1-4 family mortgage loans. $3,750,000 of loans were in farm loans. $5,212,000 of loans were in credit card loans. $3,659,000 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 904 $274,083 $303,189
    Nonfarm, nonresidential loans - <$100k 110 $4,395 $39,955
    Nonfarm, nonresidential loans - $100-250k 264 $38,367 $145,330
    Nonfarm, nonresidential loans - $250k-1MM 530 $231,321 $436,455
    Commercial & Industrial, US addressed loans - <$1MM 2,175 $288,866 $132,812
    Commercial & Industrial, US addressed loans - <$100k 1,038 $24,165 $23,280
    Commercial & Industrial, US addressed loans - $100-250k 493 $62,005 $125,771
    Commercial & Industrial, US addressed loans - $250k-1MM 644 $202,696 $314,745
    Farmland loans - <$1MM 8 $1,505 $188,125
    Farmland loans - <$100k 1 $38 $38,000
    Farmland loans - $100-250k 3 $238 $79,333
    Farmland loans - $250k-1MM 4 $1,229 $307,250
    Agriculture operations loans - <$1MM 21 $1,423 $67,762
    Agriculture operations loans - <$100k 8 $34 $4,250
    Agriculture operations loans - $100-250k 9 $744 $82,667
    Agriculture operations loans - $250k-1MM 4 $645 $161,250