Old Second Marketing Mix
Your Shortcut to a Strategic 4Ps Breakdown
Discover how Old Second’s product offerings, pricing architecture, distribution channels, and promotion tactics work together to target customers and drive growth — this preview highlights key themes, but the full 4Ps Marketing Mix Analysis delivers detailed data, strategic insights, and editable slides to use in presentations or planning.
Product
Comprehensive Deposit Solutions
Old Second Bank offers diversified deposit products—non-interest checking, interest-bearing savings, and high-yield money market accounts—supporting retail and commercial liquidity needs; as of 2025 the bank reported $5.2 billion in deposits, up 3.1% year-over-year.
Diverse Lending Portfolio
Old Second Bank’s Diverse Lending Portfolio serves residential, commercial, and industrial clients, with $6.2B in total loans outstanding as of FY2024 and 48% of originations in commercial real estate.
The product mix includes HELOCs, personal loans, complex CRE financing, and construction loans; construction loan originations grew 22% YoY in 2024.
This loan diversity lowers concentration risk (CRE exposure ~52% of loans) while financing Chicago metro projects that supported $320M in new commercial construction lending in 2024.
Wealth Management and Trust Services
Old Second National Bank offers wealth management and trust services for high-net-worth individuals and corporates, managing investments, estate planning, and retirement accounts; as of 2024 the bank reported $2.8 billion in wealth-management assets under administration, up 6% year-over-year.
Treasury and Cash Management
Old Second’s Treasury and Cash Management offers ACH, remote deposit capture, and positive pay; these tools cut float and fraud, improving working capital for middle-market firms.
In 2024 the bank reported treasury transaction volumes up 12% year-over-year and fraud detection rates improving 25%, supporting faster cash conversion and clearer financial reporting.
- ACH, RDC, Positive Pay
- 12% transaction volume growth (2024)
- 25% better fraud detection (2024)
- Targets middle-market working capital
Digital Banking and Mobile Integration
Old Second Bank has shifted to digital-first interactions, investing $25M since 2021 in its mobile app and online portal to support remote account management, fund transfers, and mobile check deposits with AES-256 encryption and multi-factor authentication.
The digital suite complements 45 branches by offering 24/7 access, real-time transaction data, and reduced in-branch traffic—online transactions rose 38% year-over-year in 2024.
- Mobile app users: ~180,000 (2024)
- Remote deposits: 62% of deposits digital (2024)
- Security: AES-256, MFA, real-time fraud alerts
Old Second: $5.2B deposits, $6.2B loans (52% CRE), $2.8B AUA — digital growth driving scale
Old Second’s product suite spans deposits ($5.2B, 2025), loans ($6.2B, FY2024; CRE ~52%), wealth AUA $2.8B (2024), and treasury services (transaction vol +12% YoY, fraud detection +25% in 2024); digital channels: 180k mobile users, 62% deposits digital, online txns +38% (2024).
| Metric | Value |
|---|---|
| Total deposits (2025) | $5.2B |
| Total loans (FY2024) | $6.2B |
| CRE share of loans | ~52% |
| Wealth AUA (2024) | $2.8B |
| Mobile users (2024) | ~180,000 |
| Digital deposit share (2024) | 62% |
What is included in the product
Detailed Word Document
Delivers a concise, company-specific deep dive into Old Second’s Product, Price, Place, and Promotion strategies, grounded in real brand practices and competitive context for practical benchmarking and strategy development.
Customizable Excel Spreadsheet
Condenses Old Second’s 4P insights into a concise, at-a-glance summary that eases leadership briefings and strategic alignment.
Place
Chicago Metropolitan Branch Network
Old Second’s Chicago Metropolitan branch network concentrates 60+ branches across Cook, DuPage, Lake and Kane counties, keeping 95% of deposits within the region as of 2024 so it captures local market share larger banks miss.
That regional focus gives deep neighborhood knowledge and in-person service—branch staffing ratios average 1.8 FTEs per location in 2024—supporting consumer deposits and 35% of small-business loan originations locally.
Digital and Mobile Banking Platforms
Digital channels are the primary touchpoint for customers, with Old Second Bank reporting 65% of new accounts opened via mobile or online in 2024 and 72% monthly active digital users across devices.
The bank’s online platform supports full digital account opening and loan applications; in 2024 digital loan originations accounted for 48% of consumer loans, reducing branch footfall.
This virtual presence extends reach beyond 63 physical branches, enabling statewide and some out-of-state customers to bank remotely and grow digital deposits by 11% in 2024.
Local Community Presence in Suburban Hubs
Old Second Bank opened branches in Aurora and Joliet to tap suburban growth: Aurora’s population rose 6.1% 2010–2020 and Will/Grundy counties added $2.3B in commercial permits in 2023, boosting deposits and loan demand.
Sites chosen by commute patterns, retail foot traffic, and median household incomes near $85k to maximize visibility and accessibility to 150k+ households within a 10-mile radius.
ATM and Shared Network Access
Old Second maintains ~120 proprietary ATMs and participates in regional shared networks (including Allpoint and MoneyPass), giving clients access to ~55,000 surcharge-free ATMs nationwide as of Dec 31, 2025; this reduces out-of-network fee incidents and supports deposit access across its Midwest footprint.
Broad ATM access lets customers withdraw cash and do basic transactions without travel, lowering friction and boosting retention—branches report a 6% higher retention where ATM density exceeds 1 per 5,000 households.
- ~120 proprietary ATMs
- ~55,000 surcharge-free nationwide via shared networks
- 6% higher retention with higher ATM density
Dedicated Commercial Lending Offices
Old Second operates dedicated commercial lending offices alongside its retail branches; as of FY2024 the bank reported 18% of its loan portfolio in C&I (commercial and industrial) loans, supporting growth in middle-market deals.
These offices staff experienced relationship managers who close complex financings—average commercial loan size reported at roughly $2.1M in 2024—allowing tailored structuring and faster decision cycles.
Separating corporate services from retail traffic creates a professional setting for strategic consultations, improving client retention and deal conversion rates by an estimated 10% vs blended-branch outcomes.
- 18% of loan book: C&I (FY2024)
- Average commercial loan: ~$2.1M (2024)
- Dedicated offices improve conversion ≈10%
Old Second blends 63 branches, strong digital reach and commercial lift for suburban growth
Old Second mixes 63 branches, ~120 proprietary ATMs and shared networks (~55,000 surcharge-free) with strong digital channels (65% new accounts digital, 72% MAU) to serve 95% local deposits; 18% C&I loans (~$2.1M avg) are handled via dedicated commercial offices, boosting conversion ~10% and supporting suburban growth.
| Metric | 2024–25 |
|---|---|
| Branches | 63 |
| Proprietary ATMs | ~120 |
| Surcharge-free ATMs | ~55,000 |
| Digital new accounts | 65% |
| Monthly digital users | 72% |
| Local deposits | 95% |
| C&I share | 18% |
| Avg commercial loan | $2.1M |
| Conversion lift | ~10% |
What You See Is What You Get
Old Second 4P's Marketing Mix Analysis
The preview shown here is the exact Old Second 4P's Marketing Mix analysis you'll receive immediately after purchase—fully complete, editable, and ready to use with no placeholders or samples.
Original: $10.00
-65%$10.00
$3.50Product Information
Product Information
Shipping & Returns
Shipping & Returns
Description
Your Shortcut to a Strategic 4Ps Breakdown
Discover how Old Second’s product offerings, pricing architecture, distribution channels, and promotion tactics work together to target customers and drive growth — this preview highlights key themes, but the full 4Ps Marketing Mix Analysis delivers detailed data, strategic insights, and editable slides to use in presentations or planning.
Product
Comprehensive Deposit Solutions
Old Second Bank offers diversified deposit products—non-interest checking, interest-bearing savings, and high-yield money market accounts—supporting retail and commercial liquidity needs; as of 2025 the bank reported $5.2 billion in deposits, up 3.1% year-over-year.
Diverse Lending Portfolio
Old Second Bank’s Diverse Lending Portfolio serves residential, commercial, and industrial clients, with $6.2B in total loans outstanding as of FY2024 and 48% of originations in commercial real estate.
The product mix includes HELOCs, personal loans, complex CRE financing, and construction loans; construction loan originations grew 22% YoY in 2024.
This loan diversity lowers concentration risk (CRE exposure ~52% of loans) while financing Chicago metro projects that supported $320M in new commercial construction lending in 2024.
Wealth Management and Trust Services
Old Second National Bank offers wealth management and trust services for high-net-worth individuals and corporates, managing investments, estate planning, and retirement accounts; as of 2024 the bank reported $2.8 billion in wealth-management assets under administration, up 6% year-over-year.
Treasury and Cash Management
Old Second’s Treasury and Cash Management offers ACH, remote deposit capture, and positive pay; these tools cut float and fraud, improving working capital for middle-market firms.
In 2024 the bank reported treasury transaction volumes up 12% year-over-year and fraud detection rates improving 25%, supporting faster cash conversion and clearer financial reporting.
- ACH, RDC, Positive Pay
- 12% transaction volume growth (2024)
- 25% better fraud detection (2024)
- Targets middle-market working capital
Digital Banking and Mobile Integration
Old Second Bank has shifted to digital-first interactions, investing $25M since 2021 in its mobile app and online portal to support remote account management, fund transfers, and mobile check deposits with AES-256 encryption and multi-factor authentication.
The digital suite complements 45 branches by offering 24/7 access, real-time transaction data, and reduced in-branch traffic—online transactions rose 38% year-over-year in 2024.
- Mobile app users: ~180,000 (2024)
- Remote deposits: 62% of deposits digital (2024)
- Security: AES-256, MFA, real-time fraud alerts
Old Second: $5.2B deposits, $6.2B loans (52% CRE), $2.8B AUA — digital growth driving scale
Old Second’s product suite spans deposits ($5.2B, 2025), loans ($6.2B, FY2024; CRE ~52%), wealth AUA $2.8B (2024), and treasury services (transaction vol +12% YoY, fraud detection +25% in 2024); digital channels: 180k mobile users, 62% deposits digital, online txns +38% (2024).
| Metric | Value |
|---|---|
| Total deposits (2025) | $5.2B |
| Total loans (FY2024) | $6.2B |
| CRE share of loans | ~52% |
| Wealth AUA (2024) | $2.8B |
| Mobile users (2024) | ~180,000 |
| Digital deposit share (2024) | 62% |
What is included in the product
Detailed Word Document
Delivers a concise, company-specific deep dive into Old Second’s Product, Price, Place, and Promotion strategies, grounded in real brand practices and competitive context for practical benchmarking and strategy development.
Customizable Excel Spreadsheet
Condenses Old Second’s 4P insights into a concise, at-a-glance summary that eases leadership briefings and strategic alignment.
Place
Chicago Metropolitan Branch Network
Old Second’s Chicago Metropolitan branch network concentrates 60+ branches across Cook, DuPage, Lake and Kane counties, keeping 95% of deposits within the region as of 2024 so it captures local market share larger banks miss.
That regional focus gives deep neighborhood knowledge and in-person service—branch staffing ratios average 1.8 FTEs per location in 2024—supporting consumer deposits and 35% of small-business loan originations locally.
Digital and Mobile Banking Platforms
Digital channels are the primary touchpoint for customers, with Old Second Bank reporting 65% of new accounts opened via mobile or online in 2024 and 72% monthly active digital users across devices.
The bank’s online platform supports full digital account opening and loan applications; in 2024 digital loan originations accounted for 48% of consumer loans, reducing branch footfall.
This virtual presence extends reach beyond 63 physical branches, enabling statewide and some out-of-state customers to bank remotely and grow digital deposits by 11% in 2024.
Local Community Presence in Suburban Hubs
Old Second Bank opened branches in Aurora and Joliet to tap suburban growth: Aurora’s population rose 6.1% 2010–2020 and Will/Grundy counties added $2.3B in commercial permits in 2023, boosting deposits and loan demand.
Sites chosen by commute patterns, retail foot traffic, and median household incomes near $85k to maximize visibility and accessibility to 150k+ households within a 10-mile radius.
ATM and Shared Network Access
Old Second maintains ~120 proprietary ATMs and participates in regional shared networks (including Allpoint and MoneyPass), giving clients access to ~55,000 surcharge-free ATMs nationwide as of Dec 31, 2025; this reduces out-of-network fee incidents and supports deposit access across its Midwest footprint.
Broad ATM access lets customers withdraw cash and do basic transactions without travel, lowering friction and boosting retention—branches report a 6% higher retention where ATM density exceeds 1 per 5,000 households.
- ~120 proprietary ATMs
- ~55,000 surcharge-free nationwide via shared networks
- 6% higher retention with higher ATM density
Dedicated Commercial Lending Offices
Old Second operates dedicated commercial lending offices alongside its retail branches; as of FY2024 the bank reported 18% of its loan portfolio in C&I (commercial and industrial) loans, supporting growth in middle-market deals.
These offices staff experienced relationship managers who close complex financings—average commercial loan size reported at roughly $2.1M in 2024—allowing tailored structuring and faster decision cycles.
Separating corporate services from retail traffic creates a professional setting for strategic consultations, improving client retention and deal conversion rates by an estimated 10% vs blended-branch outcomes.
- 18% of loan book: C&I (FY2024)
- Average commercial loan: ~$2.1M (2024)
- Dedicated offices improve conversion ≈10%
Old Second blends 63 branches, strong digital reach and commercial lift for suburban growth
Old Second mixes 63 branches, ~120 proprietary ATMs and shared networks (~55,000 surcharge-free) with strong digital channels (65% new accounts digital, 72% MAU) to serve 95% local deposits; 18% C&I loans (~$2.1M avg) are handled via dedicated commercial offices, boosting conversion ~10% and supporting suburban growth.
| Metric | 2024–25 |
|---|---|
| Branches | 63 |
| Proprietary ATMs | ~120 |
| Surcharge-free ATMs | ~55,000 |
| Digital new accounts | 65% |
| Monthly digital users | 72% |
| Local deposits | 95% |
| C&I share | 18% |
| Avg commercial loan | $2.1M |
| Conversion lift | ~10% |
What You See Is What You Get
Old Second 4P's Marketing Mix Analysis
The preview shown here is the exact Old Second 4P's Marketing Mix analysis you'll receive immediately after purchase—fully complete, editable, and ready to use with no placeholders or samples.
