Old Second Bancorp Inc - Asset Resilience Ratio

Latest as of March 2026: 16.29%

Old Second Bancorp Inc (OSBC) has an Asset Resilience Ratio of 16.29% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

$1.12 Billion

Cash + Short-term Investments

Total Assets

$6.85 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how Old Second Bancorp Inc's Asset Resilience Ratio has changed over time. Check asset allocation strategy of Old Second Bancorp Inc to assess the company's strategic physical and investment asset allocation.

Liquid Assets Composition Over Time

This chart breaks down Old Second Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see OSBC stock market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.12 Billion	16.29%
Total Liquid Assets	$1.12 Billion	16.29%

Asset Resilience Insights

Good Liquidity Position: Old Second Bancorp Inc maintains a healthy 16.29% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Old Second Bancorp Inc Industry Peers by Asset Resilience Ratio

Compare Old Second Bancorp Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for Old Second Bancorp Inc (2000–2025)

The table below shows the annual Asset Resilience Ratio data for Old Second Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	1.05%	$72.36 Million	$6.90 Billion	-19.52pp
2024-12-31	20.56%	$1.16 Billion	$5.65 Billion	-0.28pp
2023-12-31	20.84%	$1.19 Billion	$5.72 Billion	-5.30pp
2022-12-31	26.14%	$1.54 Billion	$5.89 Billion	-1.10pp
2021-12-31	27.24%	$1.69 Billion	$6.21 Billion	+10.93pp
2020-12-31	16.32%	$496.18 Million	$3.04 Billion	-2.07pp
2019-12-31	18.39%	$484.65 Million	$2.64 Billion	-1.84pp
2018-12-31	20.23%	$541.25 Million	$2.68 Billion	-2.49pp
2017-12-31	22.72%	$541.44 Million	$2.38 Billion	-0.91pp
2016-12-31	23.62%	$531.84 Million	$2.25 Billion	+1.68pp
2015-12-31	21.95%	$456.07 Million	$2.08 Billion	+3.25pp
2014-12-31	18.70%	$385.49 Million	$2.06 Billion	+0.12pp
2013-12-31	18.57%	$372.19 Million	$2.00 Billion	-9.77pp
2012-12-31	28.35%	$579.89 Million	$2.05 Billion	+12.50pp
2011-12-31	15.84%	$307.56 Million	$1.94 Billion	+12.54pp
2010-12-31	3.30%	$70.17 Million	$2.12 Billion	+1.65pp
2009-12-31	1.65%	$42.95 Million	$2.60 Billion	+1.44pp
2008-12-31	0.21%	$6.31 Million	$2.98 Billion	+0.06pp
2007-12-31	0.15%	$3.94 Million	$2.66 Billion	-0.17pp
2006-12-31	0.32%	$7.80 Million	$2.46 Billion	-1.13pp
2002-12-31	1.45%	$23.35 Million	$1.61 Billion	+0.73pp
2000-12-31	0.72%	$8.28 Million	$1.15 Billion	--

pp = percentage points

About Old Second Bancorp Inc

NASDAQ:OSBC USA Banks - Regional

Market Cap

$1.30 Billion

Market Cap Rank

#8386 Global

#2436 in USA

Share Price

$25.29

Change (1 day)

-0.20%

52-Week Range

$16.56 - $25.34

All Time High

$25.34