🏦Bank Scorer

OLD SECOND NATIONAL BANK

AURORA, IL · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1887FDIC #3,603
Outstanding Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.61%

Institution Profile

FDIC BankFind

Address

37 S River St, AURORA, IL

County

Kane County

Established

November 21, 1887

Total Assets

$6.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

September 15, 2025

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$6.8B

Total Deposits

$5.6B

Net Loans

$5.1B

Net Income

$28M

ROA

1.61%

ROE

12.05%

Risk-Based Capital

14.88%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate8.89%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

56

Branch Deposits

$4.9B

1-Year Change

+5

5-year net change: +27 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,15973.86%8.89%
20231,16771.21%11.57%
20221,35972.48%8.31%
20211,52978.81%7.72%
20202,19680.74%6.33%
20191,31774.72%8.88%
20181,24972.62%12.17%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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