Old Second Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Old Second Bancorp has total assets of $5.7B and total equity of $661.4M. Total deposits are $4.5B, and total loans are $3.9B earning a Net Interest Margin of 4.7%. It has insufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are $120.4M.
Key information
8.6x
Asset to equity ratio
4.7%
Net interest margin
| Total deposits | US$4.47b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$120.41m |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OSB's Assets to Equity ratio (8.6x) is low.
Allowance for Bad Loans: OSB has a low allowance for bad loans (85%).
Low Risk Liabilities: 89% of OSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: OSB has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: OSB's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: OSB has an appropriate level of bad loans (1.3%).