Old Second Bancorp, Inc., a bank holding company, provides full service banking
businesses which include the customary consumer and commercial products and services that banks
provide including demand, NOW, money market, savings, time deposit, individual retirement and
Health Savings Accounts; commercial, industrial, consumer and real estate
lending, including installment loans, agricultural loans, lines
of credit and overdraft checking; safe deposit operations; trust services;
wealth management services, and an extensive variety of additional services
tailored to the needs of individual customers, such as the acquisition of U.S.
Treasury notes and bonds, money orders, cashier's checks and foreign currency, direct deposit,
debit cards, credit cards, and other special services. The Bank also offers a
full complement of electronic banking services such as web and mobile banking and corporate cash
management including remote deposit capture. Commercial and consumer loans are made to
corporations, partnerships and individuals, primarily on a secured basis. Commercial lending
focuses on business, capital, construction, inventory and real estate lending. Installment
lending includes direct loans to consumers and commercial customers. Additionally, the Bank
provides a wide range of trust, investment, agency, and custodial services for individual,
corporate, and not-for-profit clients. These services include the administration of estates and
personal trusts, as well as the management of investment accounts for individuals, employee
benefit plans, and charitable foundations. The Bank also originates residential mortgages,
offering a wide range of products including conventional, government, and jumbo loans. Secondary
marketing of those mortgages is handled at the Bank.
The company operates offices in Kane, Kendall, DeKalb, DuPage, LaSalle, Cook and Will
Counties in Illinois. Our flagship bank, Old Second National Bank was founded in 1871, and
Old Second Bancorp Holding Company was founded in 1982 and are headquartered in Aurora,
Illinois.
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