Old Second Bancorp (OSBC) Debt/Assets Ratio: History & Chart

Old Second Bancorp, Inc.(OSBC)

Banks - Regional · Aurora, IL

$25.01+0.13 (+0.54%)

Delayed quote: Oct 6, 2026, 3:20 PM EDT

About Old Second Bancorp, Inc.

Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.

Aurora, IL

1,062 employees

www.oldsecond.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James L. Eccher

View full financials

OSBC Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

6.84%

DEBT TO ASSETS RATIO AVG TTM

4.59%

DEBT TO ASSETS RATIO AVG 3Y

6.07%

DEBT TO ASSETS RATIO AVG 5Y

5.54%

DEBT TO ASSETS RATIO AVG 10Y

6.90%

DEBT TO ASSETS RATIO AVG 15Y

6.93%

DEBT TO ASSETS RATIO AVG 20Y

7.27%

CURRENT VS TTM AVG

+49.10%

CURRENT VS 3Y AVG

+12.70%

CURRENT VS 5Y AVG

+23.43%

CURRENT VS 10Y AVG

-0.85%

CURRENT VS 15Y AVG

-1.24%

CURRENT VS 20Y AVG

-5.92%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 739 covered companies

CURRENT VS SECTOR MEDIAN

+13577.73%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
Old Second Bancorp, Inc. (OSBC)	$1.29B	6.84%	4.59%	6.07%	5.54%
HBT Financial, Inc. (HBT)vs ›	$1.32B	0.02%	N/A	N/A	N/A
First Mid Bancshares, Inc. (FMBH)vs ›	$1.32B	0.07%	N/A	N/A	N/A
Peoples Bancorp Inc. (PEBO)vs ›	$1.32B	0.08%	N/A	N/A	N/A
Preferred Bank (PFBC)vs ›	$1.24B	0.05%	N/A	N/A	N/A
Jefferson Capital, Inc. Common Stock (JCAP)vs ›	$1.22B	0.67%	N/A	N/A	N/A
Westamerica Bancorporation (WABC)vs ›	$1.38B	0.03%	N/A	N/A	N/A
Community Trust Bancorp, Inc. (CTBI)vs ›	$1.38B	0.05%	N/A	N/A	N/A
Burke & Herbert Financial Services Corp. (BHRB)vs ›	$1.39B	0.06%	N/A	N/A	N/A
Atlanticus Holdings Corporation (ATLC)vs ›	$1.41B	0.84%	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

Old Second Bancorp, Inc. (OSBC)

$1.29B

6.84%

4.59%

6.07%

5.54%

HBT Financial, Inc. (HBT)vs ›

$1.32B

0.02%

N/A

First Mid Bancshares, Inc. (FMBH)vs ›

$1.32B

0.07%

N/A

Peoples Bancorp Inc. (PEBO)vs ›

$1.32B

0.08%

N/A

Preferred Bank (PFBC)vs ›

$1.24B

0.05%

N/A

Jefferson Capital, Inc. Common Stock (JCAP)vs ›

$1.22B

0.67%

N/A

Westamerica Bancorporation (WABC)vs ›

$1.38B

0.03%

N/A

Community Trust Bancorp, Inc. (CTBI)vs ›

$1.38B

0.05%

N/A

Burke & Herbert Financial Services Corp. (BHRB)vs ›

$1.39B

0.06%

N/A

Atlanticus Holdings Corporation (ATLC)vs ›

$1.41B

0.84%

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The debt to assets ratio for OSBC stock is 6.84%.

Is Old Second Bancorp, Inc.'s debt to assets ratio high or low?

The debt to assets ratio of 6.84% is 23% above its 5-year average of 5.54%, around the middle of its 5-year range (2.16%–10.23%).

What is the TTM average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The TTM average debt to assets ratio for OSBC stock is 4.59%.

What is the 3Y average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The 3Y average debt to assets ratio for OSBC stock is 6.07%.

What is the 5Y average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The 5Y average debt to assets ratio for OSBC stock is 5.54%.

What is the 10Y average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The 10Y average debt to assets ratio for OSBC stock is 6.90%.

What is the 15Y average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The 15Y average debt to assets ratio for OSBC stock is 6.93%.

What is the 20Y average debt to assets ratio for Old Second Bancorp, Inc. (OSBC)?

The 20Y average debt to assets ratio for OSBC stock is 7.27%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	6.84%
2026-03-31	4.72%
2025-12-31	4.91%
2025-09-30	4.14%
2025-06-30	2.32%
2025-03-31	2.16%
2024-12-31	2.51%
2024-09-30	8.36%
2024-06-30	8.15%
2024-03-31	6.03%
2023-12-31	9.03%
2023-09-30	9.48%
2023-06-30	10.23%
2023-03-31	7.98%
2022-12-31	4.43%
2022-09-30	3.35%
2022-06-30	2.97%
2022-03-31	2.91%
2021-12-31	3.20%
2021-09-30	5.88%
2021-06-30	6.74%
2021-03-31	5.36%
2020-12-31	5.28%
2020-09-30	5.38%
2020-06-30	5.32%
2020-03-31	5.81%
2019-12-31	7.81%
2019-09-30	9.32%
2019-06-30	9.69%
2019-03-31	9.24%
2018-12-31	11.71%
2018-09-30	9.42%
2018-06-30	9.66%
2018-03-31	7.95%
2017-12-31	10.35%
2017-09-30	10.74%
2017-06-30	9.09%
2017-03-31	9.40%
2016-12-31	8.76%
2016-09-30	7.08%
2016-06-30	9.08%
2016-03-31	7.40%
2015-12-31	7.32%
2015-09-30	8.10%
2015-06-30	7.57%
2015-03-31	7.65%
2014-12-31	8.24%
2014-09-30	8.52%
2014-06-30	6.94%
2014-03-31	7.14%
2013-12-31	6.56%
2013-09-30	8.84%
2013-06-30	6.95%
2013-03-31	6.38%
2012-12-31	10.84%
2012-09-30	5.55%
2012-06-30	5.93%
2012-03-31	6.09%
2011-12-31	5.35%
2011-09-30	5.71%
2011-06-30	2.55%
2011-03-31	2.43%
2010-12-31	5.18%
2010-09-30	4.97%
2010-06-30	5.22%
2010-03-31	5.17%
2009-12-31	6.83%
2009-09-30	5.00%
2009-06-30	5.20%
2009-03-31	6.11%
2008-12-31	11.66%
2008-09-30	13.74%
2008-06-30	10.80%
2008-03-31	11.98%
2007-12-31	14.19%
2007-09-30	10.23%
2007-06-30	11.66%
2007-03-31	8.18%
2006-12-31	8.68%
2006-09-30	9.17%
2006-06-30	10.02%
2006-03-31	7.84%
2005-12-31	11.16%
2005-09-30	9.91%
2005-06-30	7.14%
2005-03-31	9.48%
2004-12-31	7.39%
2004-09-30	3.39%
2004-06-30	7.72%
2004-03-31	9.94%
2003-12-31	10.04%
2003-09-30	3.90%
2003-06-30	5.37%
2003-03-31	4.43%
2002-12-31	4.27%
2002-09-30	3.84%

DATE

DEBT TO ASSETS RATIO

2026-06-30

6.84%

2026-03-31

4.72%

2025-12-31

4.91%

2025-09-30

4.14%

2025-06-30

2.32%

2025-03-31

2.16%

2024-12-31

2.51%

2024-09-30

8.36%

2024-06-30

8.15%

2024-03-31

6.03%

2023-12-31

9.03%

2023-09-30

9.48%

2023-06-30

10.23%

2023-03-31

7.98%

2022-12-31

4.43%

2022-09-30

3.35%

2022-06-30

2.97%

2022-03-31

2.91%

2021-12-31

3.20%

2021-09-30

5.88%

2021-06-30

6.74%

2021-03-31

5.36%

2020-12-31

5.28%

2020-09-30

5.38%

2020-06-30

5.32%

2020-03-31

5.81%

2019-12-31

7.81%

2019-09-30

9.32%

2019-06-30

9.69%

2019-03-31

9.24%

2018-12-31

11.71%

2018-09-30

9.42%

2018-06-30

9.66%

2018-03-31

7.95%

2017-12-31

10.35%

2017-09-30

10.74%

2017-06-30

9.09%

2017-03-31

9.40%

2016-12-31

8.76%

2016-09-30

7.08%

2016-06-30

9.08%

2016-03-31

7.40%

2015-12-31

7.32%

2015-09-30

8.10%

2015-06-30

7.57%

2015-03-31

7.65%

2014-12-31

8.24%

2014-09-30

8.52%

2014-06-30

6.94%

2014-03-31

7.14%

2013-12-31

6.56%

2013-09-30

8.84%

2013-06-30

6.95%

2013-03-31

6.38%

2012-12-31

10.84%

2012-09-30

5.55%

2012-06-30

5.93%

2012-03-31

6.09%

2011-12-31

5.35%

2011-09-30

5.71%

2011-06-30

2.55%

2011-03-31

2.43%

2010-12-31

5.18%

2010-09-30

4.97%

2010-06-30

5.22%

2010-03-31

5.17%

2009-12-31

6.83%

2009-09-30

5.00%

2009-06-30

5.20%

2009-03-31

6.11%

2008-12-31

11.66%

2008-09-30

13.74%

2008-06-30

10.80%

2008-03-31

11.98%

2007-12-31

14.19%

2007-09-30

10.23%

2007-06-30

11.66%

2007-03-31

8.18%

2006-12-31

8.68%

2006-09-30

9.17%

2006-06-30

10.02%

2006-03-31

7.84%

2005-12-31

11.16%

2005-09-30

9.91%

2005-06-30

7.14%

2005-03-31

9.48%

2004-12-31

7.39%

2004-09-30

3.39%

2004-06-30

7.72%

2004-03-31

9.94%

2003-12-31

10.04%

2003-09-30

3.90%

2003-06-30

5.37%

2003-03-31

4.43%

2002-12-31

4.27%

2002-09-30

3.84%

Debt to Assets Ratio: 6.84%

OSBC Debt to Assets Ratio

OSBC Average Debt to Assets Ratio Chart

OSBC Current vs Average Debt to Assets Ratio Chart

OSBC Debt to Assets Ratio Metrics

OSBC Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

OSBC Debt to Assets Ratio History

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