Peer Analysis


Performance Ratios (%) OSBC Peer Median Peer Average
ROAA 1.37 1.20 1.23
ROAE 15.61 10.48 10.73
Net Interest Margin 4.08 3.76 3.67
Efficiency Ratio 59.89 58.67 58.34
Loans / Deposits 91.59 93.43 91.78
Asset Quality Ratios (%)
NPAs / Assets 0.83 0.51 0.65
NCOs / Avg Loans 0.07 0.11 0.13
Reserves / Loans 1.02 0.85 0.93
Reserves / NPAs 89.34 113.62 140.47
Capital Ratios (%)
Tier 1 Capital 12.83 11.82 12.11
Tangible Equity / Tangible Assets 9.06 9.40 9.62
Total Equity / Total Assets 9.81 11.49 11.57
Market Ratios
Price / Earnings (x) 9.75 11.16 11.18
Price / Book (%) 134.80 108.65 114.39
Dividend Yield (%) 0.34 2.90 2.68
Data for trailing four quarters

Old Second Bancorp, Inc.'s peer group consists of the following: 1st Source Corporation (SRCE), BankFinancial Corporation (BFIN), Byline Bancorp, Inc. (BY), Enterprise Financial Services Corp (EFSC), Farmers National Banc Corp. (FMNB), First Busey Corporation (BUSE), First Business Financial Services, Inc. (FBIZ), First Defiance Financial Corp. (FDEF), First Financial Corporation (THFF), First Internet Bancorp (INBK), First Mid Bancshares, Inc. (FMBH), First Midwest Bancorp, Inc. (FMBI), Independent Bank Corporation (IBCP), Lakeland Financial Corporation (LKFN), MB Financial, Inc., Mercantile Bank Corporation (MBWM), Merchants Bancorp (MBIN), Midland States Bancorp, Inc. (MSBI), Park National Corporation (PRK), Peoples Bancorp Inc. (PEBO), PrivateBancorp, Inc. (PVTB), QCR Holdings, Inc. (QCRH), Wintrust Financial Corporation (WTFC)

Old Second Bancorp, Inc.'s financial data is as of 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

MB Financial, Inc.'s financial data is as of 12/31/2018.
PrivateBancorp, Inc.'s financial data is as of 3/31/2017.