Peer Analysis


Performance Ratios (%) OSBC Peer Median Peer Average
ROAA 1.19 1.09 1.08
ROAE 11.63 9.75 9.47
Net Interest Margin 3.99 3.63 3.55
Efficiency Ratio 62.56 58.42 57.44
Loans / Deposits 89.14 91.11 91.59
Asset Quality Ratios (%)
NPAs / Assets 0.96 0.56 0.68
NCOs / Avg Loans 0.09 0.11 0.16
Reserves / Loans 1.53 1.15 1.14
Reserves / NPAs 117.92 125.33 192.52
Capital Ratios (%)
Tier 1 Capital 11.93 11.91 12.17
Tangible Equity / Tangible Assets 9.28 9.35 9.50
Total Equity / Total Assets 10.00 11.44 11.50
Market Ratios
Price / Earnings (x) 7.25 8.88 9.30
Price / Book (%) 83.49 79.22 84.85
Dividend Yield (%) 0.54 3.84 3.87
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 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), Premier Financial Corp. (PFC), PrivateBancorp, Inc., QCR Holdings, Inc. (QCRH), Wintrust Financial Corporation (WTFC)

Old Second Bancorp, Inc.'s financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020 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.