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. Check strategic asset allocation of Old Second Bancorp Inc to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Old Second Bancorp Inc's Asset Resilience Ratio has changed over time. See how leveraged is Old Second Bancorp Inc's balance sheet to measure how much of total assets are equity-financed.
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 market cap overview.
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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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 | -- |
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