Old Second Bancorp Inc Asset Resilience Ratio
Old Second Bancorp Inc asset resilience ratio. 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. See defensive interval ratio of Old Second Bancorp Inc to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Old Second Bancorp Inc (2000–2025)
Asset resilience ratio of Old Second Bancorp Inc from 2000 to 2025. This chart shows how Old Second Bancorp Inc's Asset Resilience Ratio has changed over time. Read Old Second Bancorp Inc debt and liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see balance sheet size of Old Second Bancorp Inc.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Old Second Bancorp Inc Asset Resilience Ratio by Year (2000–2025)
Old Second Bancorp Inc asset resilience ratio by year from 2000 to 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 | -- |
About Old Second Bancorp Inc
Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides deposit products, including consumer and business checking, NOW, money market, savings, and other time deposit accounts, as well as certificates of deposit and individual retirement accounts. It also offers lending products,… Read more