Old Second Bancorp Inc (OSBC) — Net Asset Quality Index
Old Second Bancorp Inc (OSBC) has a Net Asset Quality Index of 13.0% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $6.85 Billion minus total liabilities of $5.96 Billion yields net assets of $893.30 Million. A higher index indicates a stronger, lower-leverage balance sheet. Check financial resilience of Old Second Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
Old Second Bancorp Inc Net Asset Quality Index Over Time (1993–2025)
This chart shows how Old Second Bancorp Inc's Net Asset Quality Index has evolved across 33 annual periods from 1993 to 2025. As of March 2026, the index stands at 13.0%, representing net assets of $893.30 Million against total assets of $6.85 Billion USD. See Old Second Bancorp Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for Old Second Bancorp Inc (1993–2025)
The table below presents the year-by-year Net Asset Quality Index for Old Second Bancorp Inc from 1993 to 2025, covering 33 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market cap of Old Second Bancorp Inc.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 13.0% | $896.77 Million | $6.90 Billion | $6.01 Billion | ▲ +1.1 pp |
| 2024 | 11.9% | $671.03 Million | $5.65 Billion | $4.98 Billion | ▲ +1.8 pp |
| 2023 | 10.1% | $577.28 Million | $5.72 Billion | $5.15 Billion | ▲ +2.3 pp |
| 2022 | 7.8% | $461.14 Million | $5.89 Billion | $5.43 Billion | ▼ -89.8 pp |
| 2021 | 97.6% | $6.06 Billion | $6.21 Billion | $148.54 Million | ▲ +0.7 pp |
| 2020 | 96.9% | $2.95 Billion | $3.04 Billion | $93.54 Million | ▲ +86.4 pp |
| 2019 | 10.5% | $277.86 Million | $2.64 Billion | $2.36 Billion | ▲ +2.0 pp |
| 2018 | 8.6% | $229.08 Million | $2.68 Billion | $2.45 Billion | ▲ +0.2 pp |
| 2017 | 8.4% | $200.35 Million | $2.38 Billion | $2.18 Billion | ▲ +0.6 pp |
| 2016 | 7.8% | $175.21 Million | $2.25 Billion | $2.08 Billion | ▲ +0.3 pp |
| 2015 | 7.5% | $155.93 Million | $2.08 Billion | $1.92 Billion | ▼ -1.9 pp |
| 2014 | 9.4% | $194.16 Million | $2.06 Billion | $1.87 Billion | ▲ +2.0 pp |
| 2013 | 7.4% | $147.69 Million | $2.00 Billion | $1.86 Billion | ▲ +3.8 pp |
| 2012 | 3.5% | $72.55 Million | $2.05 Billion | $1.97 Billion | ▼ -0.3 pp |
| 2011 | 3.8% | $74.00 Million | $1.94 Billion | $1.87 Billion | ▼ -0.1 pp |
| 2010 | 4.0% | $83.96 Million | $2.12 Billion | $2.04 Billion | ▼ -3.6 pp |
| 2009 | 7.6% | $197.21 Million | $2.60 Billion | $2.40 Billion | ▲ +1.1 pp |
| 2008 | 6.5% | $193.10 Million | $2.98 Billion | $2.79 Billion | ▲ +0.8 pp |
| 2007 | 5.6% | $149.89 Million | $2.66 Billion | $2.51 Billion | ▼ -0.8 pp |
| 2006 | 6.4% | $158.56 Million | $2.46 Billion | $2.30 Billion | ▲ +0.0 pp |
| 2005 | 6.4% | $152.26 Million | $2.37 Billion | $2.22 Billion | ▲ +0.0 pp |
| 2004 | 6.4% | $134.99 Million | $2.10 Billion | $1.97 Billion | ▲ +0.1 pp |
| 2003 | 6.4% | $116.99 Million | $1.84 Billion | $1.72 Billion | ▼ -1.9 pp |
| 2002 | 8.3% | $133.08 Million | $1.61 Billion | $1.48 Billion | ▼ -1.1 pp |
| 2001 | 9.4% | $124.95 Million | $1.33 Billion | $1.21 Billion | ▼ -0.5 pp |
| 2000 | 9.8% | $112.96 Million | $1.15 Billion | $1.04 Billion | ▼ -0.6 pp |
| 1999 | 10.4% | $103.76 Million | $998.51 Million | $894.75 Million | ▲ +0.3 pp |
| 1998 | 10.0% | $101.90 Million | $1.01 Billion | $912.40 Million | ▲ +0.3 pp |
| 1997 | 9.7% | $92.10 Million | $948.40 Million | $856.30 Million | ▼ -0.1 pp |
| 1996 | 9.8% | $81.40 Million | $827.80 Million | $746.40 Million | ▼ -0.1 pp |
| 1995 | 9.9% | $75.40 Million | $760.70 Million | $685.30 Million | ▲ +1.2 pp |
| 1994 | 8.7% | $58.20 Million | $667.70 Million | $609.50 Million | ▼ -0.6 pp |
| 1993 | 9.4% | $58.40 Million | $624.40 Million | $566.00 Million | — |