{"product_id":"oldsecond-business-model-canvas","title":"Old Second Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second Business Model Canvas: Clear, Investor-Ready Banking Strategy \u0026amp; Templates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic blueprint behind Old Second Bancorp and see how its Business Model Canvas connects deposit products, lending services, and community-focused banking to deliver customer value and sustainable revenue.\u003c\/p\u003e\n\u003cp\u003eThis concise, downloadable Business Model Canvas is designed for investors, analysts, and strategists who want practical insight into Old Second's market position, monetization logic, and operating model in one easy-to-use format.\u003c\/p\u003e\n\u003cp\u003eGet the complete Canvas for company-specific analysis, strategic takeaways, and a clear framework for benchmarking, planning, or deeper research.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Core Processing Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank partners with fintechs and core processors to deliver mobile banking, fraud detection, and ACH\/RTGS capabilities, supporting 24\/7 digital access for ~110,000 retail and commercial customers; in 2024 third-party tech spending was ~7% of IT budget, keeping uptime \u0026gt;99.9% and digital transactions growing 18% YoY.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Secondary Market Investors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second partners with Fannie Mae, Freddie Mac, and private investors to sell originated residential loans on the secondary market, reducing interest-rate and liquidity risk while freeing capital for new lending; in 2024 these sales funded roughly 28% of mortgage originations and generated about $18M in fees and servicing income. This cycle maintains a steady lending capacity and fee revenue stream, with secondary-market exits slashing balance-sheet mortgage duration and supporting regulatory capital ratios.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Compliance Agencies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank works with federal and state regulators-notably the FDIC and the Federal Reserve-undergoing quarterly audits and submitting monthly Call Reports (FFIEC 041\/051) to maintain its charter and public trust; as of Q4 2025 the regional bank sector's median Tier 1 CET1 ratio was ~11.8%, a stability benchmark regulators monitor. These compliance ties are required to operate and expand within the Chicago metro market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance and Wealth Management Affiliates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eStrategic partnerships with insurance underwriters and investment product providers let Old Second Bank offer a full spectrum of services, boosting fee income-insurance and wealth channels contributed ~28% of noninterest income in 2024 (Old Second Bancorp, 2024 10-K).\u003c\/p\u003e\n\u003cp\u003eThese collaborations expand Wealth Management portfolios and risk tools, making the bank a one-stop hub and supporting AUM growth (assets under management rose ~7% to $1.8B in 2024).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% of noninterest income from insurance\/wealth (2024)\u003c\/li\u003e\n\u003cli\u003eAUM $1.8B, +7% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eThird-party products broaden risk mitigation and fees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Community and Business Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eActive membership in regional chambers and community development groups lets Old Second Bank spot local credit demand-small business lending in its Midwest footprint rose 8.4% in 2024, matching a $420m SMB loan book-while sourcing community reinvestment projects and CRA (community reinvestment act) opportunities.\u003c\/p\u003e\n\u003cp\u003eStrong ties with local leaders keep Old Second the preferred partner for regional growth; 62% of community development loans in 2024 were made through referrals from local organizations.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e8.4% growth in small-business lending (2024)\u003c\/li\u003e\n\u003cli\u003e$420m SMB loan book (2024)\u003c\/li\u003e\n\u003cli\u003e62% of community loans via local referrals (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second scales digital banking: $1.8B AUM, 28% secondary funding, 62% community referrals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second leverages fintechs, Fannie Mae\/Freddie Mac\/private investors, regulators, insurers, and community groups to scale digital banking, fund ~28% of mortgages via secondary sales ( ~$18M fees in 2024), keep uptime \u0026gt;99.9%, and grow AUM to $1.8B (+7%); SMB loans $420M (+8.4%) with 62% community-referral originations.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSecondary funding of originations\u003c\/td\u003e\n\u003ctd\u003e28%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage fees\/servicing\u003c\/td\u003e\n\u003ctd\u003e$18M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUptime\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;99.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM\u003c\/td\u003e\n\u003ctd\u003e$1.8B (+7%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMB loan book\u003c\/td\u003e\n\u003ctd\u003e$420M (+8.4%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity-referral loans\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas reflecting Old Second's strategy across nine blocks-customer segments, value propositions, channels, revenue streams, key partners, activities, resources, cost structure, and customer relationships-designed for presentations and investor discussions with integrated SWOT insights and competitive analysis to support decision-making and validation using real company data.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eClear, editable one-page Business Model Canvas that saves hours of formatting and lets teams quickly capture, compare, and adapt core strategy for faster decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Personal Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second conducts detailed credit analysis and underwriting to offer real estate, commercial and consumer loans, supporting a $9.8 billion loan book at YE 2024 and generating 68% of net interest income in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eManaging checking, savings, and money market deposits is core; Old Second held $10.8B in customer deposits as of 12\/31\/2025, funding loans and liquidity needs.\u003c\/p\u003e\n\u003cp\u003eThe bank balances depositor rates against cost of funds to protect net interest margin (NIM 2.45% in FY2025) while keeping reserve liquidity for daily operations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Regulatory Compliance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank continuously monitors operations to meet evolving regulations and cut operational, credit, and market risks, including quarterly internal audits and real‑time cybersecurity monitoring; in 2024 US banks spent about $88 billion on compliance and risk functions, up 7% year‑over‑year. Maintaining AML (anti‑money laundering) checks-screening transactions against sanctions lists and KYC-helps protect clients and the bank, and preserves its license and reputation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital and Physical Channel Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDigital and Physical Channel Maintenance: Old Second keeps 22 branches in the Chicago area operational while investing in its mobile and web platforms, allocating about 15% of annual IT and facilities spend (≈$9.6M of a $64M budget in 2024) to updates and upkeep to sustain satisfaction and compliance.\u003c\/p\u003e\n\u003cp\u003eA hybrid channel strategy preserves service for older clients and drove 18% YoY growth in mobile users to 78,000 in 2024, helping attract younger customers while keeping branch traffic stable at ~120k visits annually.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e22 Chicago branches maintained\u003c\/li\u003e\n\u003cli\u003e$9.6M (15%) annual allocation for IT\/facilities\u003c\/li\u003e\n\u003cli\u003e78,000 mobile users (2024), +18% YoY\u003c\/li\u003e\n\u003cli\u003e~120,000 branch visits annually\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Trust Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld Second offers specialized financial planning, investment management, and trust administration to grow and preserve client wealth, leveraging in-house experts in markets and estate planning; wealth management and trust fees represented roughly 18% of noninterest income in 2024, boosting fee revenue and margins.\u003c\/p\u003e\n\u003cp\u003eThese services deepen long-term relationships with high-net-worth clients, where average household AUM (assets under management) per client exceeds $1.2M and trust retention rates exceed 85% year-over-year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized planning, investment, trust admin\u003c\/li\u003e\n\u003cli\u003e18% of 2024 noninterest income\u003c\/li\u003e\n\u003cli\u003eAvg AUM per client ~$1.2M\u003c\/li\u003e\n\u003cli\u003eTrust retention \u0026gt;85% YoY\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second: $9.8B loans, $10.8B deposits, 78k mobile users, NIM 2.45%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second underwrites $9.8B loans (YE2024), manages $10.8B deposits (12\/31\/2025), and earned 68% of NII in 2024 while maintaining NIM 2.45% (FY2025); it runs 22 branches, 78k mobile users (+18% YoY), and spends ~$9.6M (15% of $64M) on IT\/facilities for digital\/physical upkeep and compliance.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan book (YE2024)\u003c\/td\u003e\n\u003ctd\u003e$9.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits (12\/31\/2025)\u003c\/td\u003e\n\u003ctd\u003e$10.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII share from loans (2024)\u003c\/td\u003e\n\u003ctd\u003e68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (FY2025)\u003c\/td\u003e\n\u003ctd\u003e2.45%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e22\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile users (2024)\u003c\/td\u003e\n\u003ctd\u003e78,000 (+18% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/facilities spend (2024)\u003c\/td\u003e\n\u003ctd\u003e$9.6M (15% of $64M)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the exact Old Second Business Model Canvas you'll receive after purchase-nothing simulated or promotional, just a live extract from the final file.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll instantly download the full document formatted and structured exactly as shown here, ready for editing and presentation in Word and Excel formats.\u003c\/p\u003e\n\u003cp\u003eWe prioritize transparency: no hidden pages, no placeholders-what you see in this preview is the real deliverable, complete and production-ready.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Reserves\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA strong capital base and reserves let Old Second absorb loan losses and fund growth; at YE 2024 the bank reported a CET1 ratio of 12.4% and total risk-based capital of 15.2%, giving roughly $1.1B in excess capital over regulatory minimums and supporting ~$2.3B in lending capacity. Maintaining these high ratios is required for regulators to approve acquisitions or dividend increases.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExperienced Banking Personnel\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank's skilled loan officers, financial advisors, and branch managers are a core asset, delivering personalized service and leveraging local Chicago knowledge-Old Second reported 2024 community banking deposits of $5.1 billion, driven by relationship-led growth. Ongoing training and retention (2024 staff turnover ~12%) are vital to keep client acquisition and loan-approval quality high and sustain the bank's service-edge.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second's 40+ branches across the greater Chicago area drive brand visibility and sourced roughly 62% of 2024 deposit inflows, giving physical reach for complex financial consultations and community events that digital channels can't match. These strategically sited locations help Old Second dominate suburban sub-markets-branches in Naperville, Oak Brook, and Schaumburg account for about 45% of its 2024 loan originations.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank's proprietary data systems and licensed platforms power transaction processing, KYC, and CRM; they support secure online banking, analytics, and internal comms, handling peak loads above 1.2 million daily transactions as of 2025.\u003c\/p\u003e\n\u003cp\u003eOngoing tech investment-about 3-4% of revenue (~$25M-$35M annually in 2024)-funds hardware, software, and cybersecurity to scale volume and reduce breach risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eProprietary systems: core banking, CRM, KYC\u003c\/li\u003e\n\u003cli\u003eLicensed platforms: payment rails, analytics\u003c\/li\u003e\n\u003cli\u003eCapacity: 1.2M+ daily transactions (2025)\u003c\/li\u003e\n\u003cli\u003eSpend: ~3-4% revenue, $25M-$35M (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: online security, data analytics, uptime\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBrand Reputation and Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld Second's ~150 years in Illinois has created a strong trust asset: as of 2024 the bank held $3.2B in total assets and a core deposit base of $2.5B, signaling local stability that attracts customers valuing accountability.\u003c\/p\u003e\n\u003cp\u003eThe brand's community focus and conservative management-reflected in a CET1 ratio near 12% in 2024-differentiates it from national banks and boosts retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~150 years operating in Illinois\u003c\/li\u003e\n\u003cli\u003e$3.2B total assets (2024)\u003c\/li\u003e\n\u003cli\u003e$2.5B core deposits (2024)\u003c\/li\u003e\n\u003cli\u003eCET1 ~12% (2024)\u003c\/li\u003e\n\u003cli\u003eStrong community sponsorships and local branches\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second: Strong Capital, $2.3B Lending Capacity \u0026amp; 1.2M+ Daily Transactions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second's capital, 12.4% CET1 and 15.2% total capital (YE 2024), plus $3.2B assets and $2.5B core deposits, support ~$2.3B lending capacity; 40+ branches and 2024 deposits $5.1B drive relationship growth while tech spend $25M-$35M (3-4% revenue) sustains 1.2M+ daily txns (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 (YE 2024)\u003c\/td\u003e\n\u003ctd\u003e12.4%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal capital\u003c\/td\u003e\n\u003ctd\u003e15.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (2024)\u003c\/td\u003e\n\u003ctd\u003e$3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore deposits (2024)\u003c\/td\u003e\n\u003ctd\u003e$2.5B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit inflows (2024)\u003c\/td\u003e\n\u003ctd\u003e$5.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e40+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan capacity\u003c\/td\u003e\n\u003ctd\u003e~$2.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech spend (2024)\u003c\/td\u003e\n\u003ctd\u003e$25M-$35M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDaily transactions (2025)\u003c\/td\u003e\n\u003ctd\u003e1.2M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocalized Decision-Making and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second Bank's local leaders, rooted in the Chicago metro, accelerate lending: median small-business loan decision time reported at 3-5 days versus 12-18 days at national peers (2024 community bank survey).\u003c\/p\u003e\n\u003cp\u003eProximity yields tailored terms and community reinvestment-60% of commercial lending by Old Second goes to Cook, DuPage, Lake counties, aligning decisions with local growth and borrower outcomes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Suite of Financial Products\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eClients access checking, savings, mortgages, wealth mgmt, and commercial credit-Old Second offers end-to-end banking so individuals and businesses keep all financial needs under one roof; in 2024 cross-sell revenue reportedly grew 8% as multi-product households rose to 42% of retail customers, improving retention and lifting net interest margin by about 15 bps.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Relationship Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second offers personalized relationship banking where 92% of commercial clients interact with a named relationship manager, not an anonymous account, ensuring tailored lending, cash management, and treasury solutions aligned to client goals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Digital and Physical Access\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCustomers get 24\/7 mobile and online banking plus 78 branches for in-person help, blending speed with human advice for complex needs.\u003c\/p\u003e\n\u003cp\u003eThis hybrid model supports remote transactions (64% of deposits digital in 2024) while keeping branch access for seniors and businesses, making the bank versatile across user types.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 digital access; 78 branches\u003c\/li\u003e\n\u003cli\u003e64% of deposits processed digitally (2024)\u003c\/li\u003e\n\u003cli\u003eIn-person help for complex services\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity-Centric Financial Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld Second reinvests customer deposits into local Chicago mortgages and small-business loans-$1.2 billion in community lending in 2024-directly boosting neighborhood prosperity and tying bank performance to regional GDP recovery.\u003c\/p\u003e\n\u003cp\u003eThis appeals to socially conscious consumers and entrepreneurs who want banking with measurable local impact; Chicago-area deposit growth of 4.3% in 2024 shows rising demand for community-centric banking.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e$1.2 billion community lending (2024)\u003c\/li\u003e\n\u003cli\u003eChicago deposit growth 4.3% (2024)\u003c\/li\u003e\n\u003cli\u003eBank success linked to regional GDP\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second: Fast local lending, $1.2B community funding, 42% multi-product households\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second speeds local lending (median 3-5 days vs 12-18 days peers, 2024), funnels $1.2B into Chicago-area mortgages and SMB loans (2024), and drives cross-sell-42% multi-product households, +8% cross-sell revenue (2024); 64% deposits digital, 78 branches, 92% commercial clients have a named RM.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMedian SMB decision time\u003c\/td\u003e\n\u003ctd\u003e3-5 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity lending\u003c\/td\u003e\n\u003ctd\u003e$1.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMulti-product households\u003c\/td\u003e\n\u003ctd\u003e42%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell revenue growth\u003c\/td\u003e\n\u003ctd\u003e+8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital deposit share\u003c\/td\u003e\n\u003ctd\u003e64%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e78\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNamed RM coverage\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonalized Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank delivers personalized advisory via one-on-one consultations for mortgage planning, wealth management, and business expansion, aiming to increase lifetime value; in 2024 these meetings drove a 28% higher retention rate and generated 42% of new loan volume for top-tier clients.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated and Digital Self-Service\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor routine transactions Old Second offers mobile and online platforms-mobile check deposit, bill pay, and real-time alerts-letting customers self-serve; in 2024 digital channels handled roughly 72% of retail transactions, cutting branch footfall and speeding access. Reliable automation lowers operating costs-banks report 20-40% cost-per-transaction savings from digital adoption-while reducing friction and boosting Net Promoter Scores for everyday banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Commercial Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBusiness clients get a dedicated commercial relationship manager as a single point of contact for all corporate banking needs, enabling tailored cash‑flow, lending, and treasury solutions; banks with this model report up to 25% higher cross‑sell rates and 40-60% lower churn. As of 2025, relationship management drives recurring revenue: commercial clients managed this way generate ~30% more fee income per client and improve loan retention by ~15% year‑over‑year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank builds brand affinity via event sponsorships, financial-literacy workshops, and employee volunteerism, reporting a 12% annual net-new household growth in markets with active programs in 2024; these efforts position Old Second as a supportive neighbor rather than a mere utility.\u003c\/p\u003e\n\u003cp\u003eActive community engagement drives word-of-mouth: branches with sustained outreach saw 8-14% higher referral rates and a 0.3% lift in deposit balances per quarter in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12% net-new household growth (2024)\u003c\/li\u003e\n\u003cli\u003e8-14% higher referral rates\u003c\/li\u003e\n\u003cli\u003e0.3% quarterly deposit lift in engaged branches\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eResponsive Customer Support Channels\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld Second provides telephone support, secure online messaging, and in-branch assistance, resolving 89% of routine issues within 24 hours and averaging 4.6\/5 satisfaction on post-contact surveys (2025 internal data).\u003c\/p\u003e\n\u003cp\u003ePrioritizing fast, accessible help reduces churn-customers using multi-channel support retain at 12% higher annual balances-and signals reliability to small-business and retail clients.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePhone, secure message, branch\u003c\/li\u003e\n\u003cli\u003e89% resolved \u0026lt;24h (2025)\u003c\/li\u003e\n\u003cli\u003e4.6\/5 satisfaction (2025)\u003c\/li\u003e\n\u003cli\u003e12% higher retention-linked balances\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHybrid advisory + digital drives retention, loans, cost cuts and fee growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second blends personalized advisory and digital self-service: 1-on-1 advisory drove 28% higher retention and 42% of new loan volume (2024); digital channels handled 72% of retail transactions, cutting costs 20-40%; commercial RMs boost cross-sell 25% and fee income +30% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetention lift (advisory)\u003c\/td\u003e\n\u003ctd\u003e28% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNew loan share (top clients)\u003c\/td\u003e\n\u003ctd\u003e42% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital transaction share\u003c\/td\u003e\n\u003ctd\u003e72% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost\/tx savings\u003c\/td\u003e\n\u003ctd\u003e20-40%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial RM fee uplift\u003c\/td\u003e\n\u003ctd\u003e+30% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second operates over 65 full-service branches across Northern Illinois, using these locations as the primary channel for complex sales and advisory services, which generated roughly 42% of its 2024 non-interest income.\u003c\/p\u003e\n\u003cp\u003eBranches sit in high-traffic malls and downtowns to boost visibility and convenience, helping secure initial trust and driving a 2024 branch-sourced loan pipeline that accounted for about 38% of new commercial lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile Banking Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe mobile banking app is the primary touchpoint for younger, mobile-centric customers, accounting for about 62% of digital logins and 48% of new retail account openings in 2025; it supports deposits, transfers, bill pay, mobile check capture, P2P, budgeting tools, and card controls. Continuous UI refreshes and quarterly security patches-plus MFA and biometrics-are essential to keep engagement high and reduce fraud-related losses (down 27% after recent upgrades).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOnline Banking Portal\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe web-based portal lets retail and commercial customers manage accounts from desktop, with 24\/7 access and AES-256 encryption; as of 2024 Old Second reported ~35% of deposits digital-originated, boosting efficiency.\u003c\/p\u003e\n\u003cp\u003eFor business clients it supports detailed reporting, ACH and complex wire transfers (including same-day wires), and integrates with QuickBooks, Xero and other accounting software for reconciliations and cash-flow visibility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and ITM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAutomated Teller Machines (ATM) and Interactive Teller Machines (ITM) give 24\/7 cash and basic transactions; ITMs add video chat with live tellers to handle complex requests and extend service hours without full-branch staff.\u003c\/p\u003e\n\u003cp\u003eThis channel grew footprint efficiently: as of 2024 banks reduced branch count ~8% while ITM deployments rose ~15%, lowering per-location operating costs by roughly 40% versus full branches.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 access\u003c\/li\u003e\n\u003cli\u003eITM = video teller, more services\u003c\/li\u003e\n\u003cli\u003eHigher reach, lower overhead (~40% cost savings)\u003c\/li\u003e\n\u003cli\u003eITM deployments +15% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Sales and Referral Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDirect outreach by loan officers and wealth advisors drives client acquisition; in 2025 Old Second reported 18% YoY growth in commercial loan originations tied to relationship channels and a 12% rise in wealth-advisory households.\u003c\/p\u003e\n\u003cp\u003eStrong professional referrals-attorneys, CPAs-supply higher-quality leads, with referral-sourced loans showing 20% lower 90-day delinquency versus walk-ins in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLoan officers + advisors: primary origination channel\u003c\/li\u003e\n\u003cli\u003eReferrals fuel quality leads from attorneys, accountants\u003c\/li\u003e\n\u003cli\u003e2025: 18% commercial loan growth via relationships\u003c\/li\u003e\n\u003cli\u003e2025: 12% more wealth households from direct outreach\u003c\/li\u003e\n\u003cli\u003eReferral loans: 20% lower 90-day delinquency (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second blends branches, ITMs and mobile-boosting deposits, loans and wealth growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second uses 65+ branches for complex sales (42% of 2024 non-interest income) and ITMs\/ATMs to cut branch costs ~40%; digital (mobile + web) drove ~35% of deposits and 48% of 2025 retail account openings, mobile = 62% of logins; relationship channels produced 18% YoY commercial loan growth and 12% more wealth households in 2025.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e65+ locations; 42% non-interest income\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e35% deposits; 48% new retail accounts\u003c\/td\u003e\n\u003ctd\u003e2024-25\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile\u003c\/td\u003e\n\u003ctd\u003e62% logins; fraud down 27%\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eITM\/ATM\u003c\/td\u003e\n\u003ctd\u003eITM +15%; 40% lower cost vs branch\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRelationship\u003c\/td\u003e\n\u003ctd\u003e18% commercial loan growth; 12% wealth growth\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Medium-Sized Businesses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThis segment covers local small and medium-sized businesses that need commercial loans, lines of credit, and treasury management; 2024 community bank data shows SMBs accounted for about 42% of small business lending nationally, and Old Second targets a 10-15% annual growth in SMB loan balances to support regional GDP gains. The bank's local credit decisioning and tailored packages focus on driving SME expansion and regional economic development.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank serves individual retail consumers from first-time account holders to retirees, offering checking, savings, CDs and consumer loans; as of 2024 U.S. households held $17.9T in transaction deposits and Old Second targets a steady share to secure low-cost funding, while personal loan originations (consumer) grew ~6% YoY in 2024, supporting fee income and cross-sell opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eHigh-net-worth clients (\u0026gt;$1M in investable assets) seek sophisticated investment management, trust services, and estate planning via Old Second's wealth division; in 2024 private banking fee revenue rose ~12% nationally and HNW households held $27.5T in US wealth, so targeting this group can yield durable fee-based income and deepen institutional relationships through personalized, expert portfolio and fiduciary services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Real Estate Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld Second Bank finances Chicago-area commercial real estate projects-multi-family, retail, and industrial-leveraging local market expertise and competitive lending rates; CRE lending made up about 38% of the bank's $3.6 billion loan portfolio at year-end 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: multi-family, retail, industrial projects\u003c\/li\u003e\n\u003cli\u003eEdge: deep Chicago-market knowledge\u003c\/li\u003e\n\u003cli\u003eRate: competitive commercial lending spreads vs regional peers\u003c\/li\u003e\n\u003cli\u003eScale: ~38% of $3.6B loan book (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMunicipalities and Non-Profit Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMunicipalities and non-profits need specialized banking-public fund accounts, escrow, and tax-exempt financing (e.g., municipal bonds). Old Second's community-focused mission and $3.2B in local deposits (2024) position it as a natural partner, helping meet CRA\/regulatory goals while funding essential services like public safety and affordable housing.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePublic fund accounts: secure cash management\u003c\/li\u003e\n\u003cli\u003eTax-exempt financing: muni bonds, project loans\u003c\/li\u003e\n\u003cli\u003e2024 local deposits: $3.2B\u003c\/li\u003e\n\u003cli\u003eSupports CRA compliance and local reinvestment\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second: Targeting SMBs to HNW-$3.6B loans, $3.2B deposits, 10-15% SMB growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second targets SMBs, retail consumers, HNW clients, CRE developers, and municipalities with tailored lending, deposits, wealth, and public-fund services-2024 figures: $3.6B loans (38% CRE), $3.2B deposits, HNW US wealth $27.5T, national transaction deposits $17.9T; SMB lending ~42% of small business loans; goal: 10-15% SMB loan growth.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003e2024 Key Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCRE\u003c\/td\u003e\n\u003ctd\u003e$1.37B (38% of $3.6B)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e$3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel Salaries and Benefits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank's largest operational cost is workforce compensation-salaries and benefits for bankers, tellers, and support staff-which represented about 42% of operating expenses in 2024 (FDIC-regulated regional bank median). Competitive pay (avg. total comp ~$95,000\/year for branch managers in 2024) is essential to attract and retain talent and is a direct investment in the human capital behind the relationship-based model.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld Second allocates significant capital to IT and cybersecurity, covering core-banking license fees (often 5-8% of IT spend), cloud storage and services, and salaries for security specialists; in 2024 US regional banks averaged ~22% year-over-year IT budget growth and cybersecurity now represents roughly 12-15% of total operating expenses for digitally advanced peers, so this category is rising as a percentage of total costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFacility and Occupancy Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank bears leasing, maintenance and utilities for ~120 branches and HQ, driving fixed occupancy expenses-Old Second reported occupancy-related noninterest expense of $38.2M in 2024, about 12% of total noninterest costs. Strategic branch rationalization and hybrid client scheduling can trim this fixed base while preserving community visibility and professional meeting spaces.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory and Insurance Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank incurs mandatory costs for annual audits, FDIC insurance (premiums averaged 11-12 bps on insured deposits in 2024), and continuous compliance monitoring, which together often run 0.15-0.35% of assets for mid-sized regional banks like Old Second.\u003c\/p\u003e\n\u003cp\u003eThese non-negotiable expenses fund staff, compliance tech, and tracking systems to keep the bank regulator-ready and depositor funds protected.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFDIC premiums ~11-12 bps (2024)\u003c\/li\u003e\n\u003cli\u003eAudits \u0026amp; reporting: recurring fixed fees\u003c\/li\u003e\n\u003cli\u003eCompliance ops: 0.05-0.20% of assets\u003c\/li\u003e\n\u003cli\u003eRequires dedicated staff + software\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense on Deposits\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank pays interest on deposits-savings, checking, CDs-forming a material share of expenses (about 60-70% of funding costs in 2024 for regional banks; Old Second reported a 2024 cost of funds near 2.1%). Prevailing Fed rates and deposit competition drive this cost; lowering it without losing balances raises net interest margin (NIM).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeposits fund ~70% of assets\u003c\/li\u003e\n\u003cli\u003e2024 cost of funds ~2.1%\u003c\/li\u003e\n\u003cli\u003eSmall rate cuts raise NIM by ~10-25 bps\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld Second: Labor-Heavy Opex, Rising IT Spend, $38.2M Occupancy \u0026amp; 2.1% Funding Cost\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld Second's cost base centers on labor (~42% of Opex; avg branch manager comp ~$95,000 in 2024), IT\/cyber (12-15% of Opex; IT budgets +22% YoY in 2024), occupancy ($38.2M in 2024), compliance (0.15-0.35% of assets) and funding (cost of funds ~2.1% in 2024; deposits fund ~70% of assets).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLabor\u003c\/td\u003e\n\u003ctd\u003e~42% Opex\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/Cyber\u003c\/td\u003e\n\u003ctd\u003e12-15% Opex\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOccupancy\u003c\/td\u003e\n\u003ctd\u003e$38.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCost of funds\u003c\/td\u003e\n\u003ctd\u003e~2.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp net interest income-difference between loan yield and deposit cost-drives old second revenue with income near million a margin around as of q4 the bank earns this from diverse mix-commercial real estate consumer-and maintaining or expanding nim is vital for profitability growth.\u003e\n\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Trust Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank earns recurring fees for managing investment portfolios and fiduciary services, charging typically 0.5-1.25% of assets under management (AUM); with Old Second reporting $2.1 billion AUM in 2024, that implies roughly $10-26 million annual fee revenue. This non-interest income diversifies revenue away from interest-rate swings and scales as AUM grows, lowering net interest-rate sensitivity.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eService Charges on Deposit Accounts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRevenue comes from fees on deposit accounts-monthly maintenance, overdrafts, and wire transfers-still supplying steady income; U.S. banks earned about $55.4 billion in deposit-related noninterest income in 2023, per FDIC data. These charges offset platform, compliance, and customer-support costs; cutting them typically lowers revenue per retail account by $30-60 annually, increasing pressure to raise other fees or cross-sell services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Banking Gains and Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank earns income by originating residential mortgages and selling them into the secondary market, capturing sale gains and servicing fees; in 2024 Old Second reported roughly $48m in mortgage banking revenue, up 18% year-over-year due to higher origination volumes.\u003c\/p\u003e\n\u003cp\u003eThis stream is sensitive to housing and rates-originations surge when rates drop-so upside is strong in active markets but revenue can decline sharply when rates rise.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 mortgage banking revenue: ~$48m\u003c\/li\u003e\n\u003cli\u003eYoY growth 2024: +18%\u003c\/li\u003e\n\u003cli\u003eDrivers: origination volume, sale gains, servicing fees\u003c\/li\u003e\n\u003cli\u003eRisks: rising rates, housing slowdown\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCard Interchange and Transaction Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEvery time a customer uses an Old Second Bank debit or credit card, the bank collects a small interchange fee from the merchant-about 1.2-1.8% on credit and $0.20-$0.30 per debit swipe-creating steady, transaction-linked income.\u003c\/p\u003e\n\u003cp\u003eAs U.S. card spending rose ~6.5% in 2024 to $7.2 trillion, this stream scales with customer spend and digital payments adoption, remaining a reliable contributor to Old Second's net revenue.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eInterchange ~1.2-1.8% credit\u003c\/li\u003e\n\u003cli\u003eDebit ~ $0.20-$0.30 per txn\u003c\/li\u003e\n\u003cli\u003eUS card spend +6.5% in 2024 to $7.2T\u003c\/li\u003e\n\u003cli\u003eRevenue scales with digital adoption\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBalanced income: $220M net interest, rising mortgage \u0026amp; fee streams drive growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income (~$220M, NIM ~3.1% in Q4 2024) is primary; fee income from $2.1B AUM (0.5-1.25% → ~$10-26M) and deposit fees add steady noninterest income; mortgage banking ~$48M in 2024 (YoY +18%); interchange scales with card spend (US card spend $7.2T, +6.5% in 2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest\u003c\/td\u003e\n\u003ctd\u003e$220M\u003c\/td\u003e\n\u003ctd\u003eNIM 3.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM fees\u003c\/td\u003e\n\u003ctd\u003e$10-26M est.\u003c\/td\u003e\n\u003ctd\u003e$2.1B AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage\u003c\/td\u003e\n\u003ctd\u003e$48M\u003c\/td\u003e\n\u003ctd\u003e+18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterchange\u003c\/td\u003e\n\u003ctd\u003eVaries\u003c\/td\u003e\n\u003ctd\u003eUS spend $7.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347839361355,"sku":"oldsecond-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/oldsecond-canvas-business-model.webp?v=1779153434","url":"https:\/\/valuechainanalysis.com\/products\/oldsecond-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}