West Suburban Bank

What West Suburban Bank does

West Suburban Bank is a privately held, full-service community bank founded in 1962 and headquartered in Lombard, Illinois. Per its firmographic profile, it serves DuPage, Kane, Kendall, and Will counties — the western and southwestern suburbs of the Chicago metropolitan area — and operates with a workforce of 501-1,000 employees. The bank is not publicly traded and has no identified parent holding company in the available data.

The product franchise and underlying technology architecture specific to West Suburban Bank are not described in the supplied input; the detailed operational, product, and technology blocks attached to this record describe a different, publicly traded entity (Old Second National Bank, NASDAQ:OSBC, founded 1871) and cannot be reliably attributed to West Suburban Bank. Consequently, the bank's product mix (retail deposit accounts, mortgage origination, commercial lending, treasury services, wealth/trust offerings), channel architecture (branch network vs. digital banking split), core technology vendor, and revenue mechanics are not directly evidenced here. What is evidenced is the strategic positioning: a full-service, community-anchored franchise serving four contiguous suburban Chicago counties over a 60+ year operating history.

Leadership disclosed is Duane Debs, Senior Vice President, Chief Financial Officer and Trust Officer — a combined finance-and-trust remit that is consistent with the staffing profile of mid-sized full-service community banks, where fiduciary/trust and CFO functions often sit under one executive. No further leadership disclosures, board composition, regulatory actions, merger-and-acquisition history, funding events, or customer concentration data are present in the input. Revenue figures, branch count, ATM footprint, deposit/loan mix, and non-interest-income composition are likewise absent for West Suburban Bank specifically, which materially limits the depth of any forward-looking assessment.

Name

West Suburban Bank

Legal name

Old Second National Bank

Website

https://westsuburbanbank.com

Company type

Public

Founded year

1871

Operating status

Operating

Headcount range

501–1,000 employees

Short description

West Suburban Bank is a privately held, full-service community bank founded in 1962, headquartered in Lombard, Illinois, serving DuPage, Kane, Kendall, and Will counties with 501-1,000 employees.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Personal banking products
• Commercial lending services
• Small business banking
• Local retail banking

Headquarters

HQ city

Lombard

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Interest earned on loan portfolio including commercial loans, residential mortgages, auto loans, and personal loans. Interest paid on deposits including checking, savings, and CD accounts. Core revenue driver representing spread between lending rates and deposit rates.
2. Non-Interest Income - Fees: Account maintenance fees, transaction fees, ATM fees, overdraft fees, and wire transfer fees. Also includes card services revenue from debit and credit cards including interchange fees.
3. Wealth Management Services: Financial advisory, investment management, retirement planning, and trust services through dedicated wealth management division. Revenue from advisory fees and portfolio management.
4. Equipment Finance: Equipment leasing and financing services for commercial customers through O2 Sponsor Finance and Equipment Finance divisions.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

West Suburban Bank is a full-service community bank headquartered in Lombard, Illinois, serving DuPage, Kane, Kendall, and Will counties. It provides retail and commercial banking products including checking and savings accounts, certificates of deposit, debit and credit cards, mortgages, auto and personal loans, business banking, equipment financing, treasury management, and wealth management services, supported by physical branches, ATMs, and digital banking channels.

Product overview

Old Second National Bank operates as a traditional community bank offering a comprehensive suite of banking products organized around four core divisions: Personal Banking, Commercial Banking, Wealth Management, and Loans. The product architecture consists of a core O2 Digital Banking platform that serves as the primary interface for retail customers, complemented by specialized business platforms including Corporate O2 Digital Solution for commercial cash management and O2 Sponsor Finance for private equity lending. The retail banking suite includes checking accounts, savings accounts, CDs with various terms, card services with digital wallet integration, home loans, auto loans, and retirement planning. The commercial division offers business checking, treasury management, equipment financing, community banking, and the Corporate O2 platform. Wealth management services are provided through internal advisors as well as partnerships with Cetera and River Street Advisors. The bank also operates O2 Remote Deposit for mobile check capture and O2 Mortgage for online mortgage applications. All services are integrated through the bank's 54 branches and 70 ATMs across the Chicagoland area.

Differentiator

Problem solved

Functional benefit

Brands

• O2 Digital Banking: Online and mobile banking platform for personal banking customers, including O2 Remote Deposit and O2 Cards login services.
• Corporate O2
• O2 Sponsor Finance
• O2 CPP
• O2 Mortgage

Products and services

• Personal Checking Accounts Personal checking account products for individual consumers, with features including debit cards, direct deposit, online banking access, and overdraft protection options.
• Personal Savings Accounts Personal savings account products including traditional savings and money market accounts with competitive interest rates for personal depositors.
• Certificate of Deposit (CD) Term deposit products available in multiple terms (including 6, 8, and 11 months) with a $1,000 minimum to open, offering fixed interest rates and automatic renewal options.
• Card Services Debit cards, credit cards, and prepaid card products with digital wallet support for Apple Pay, Google Pay, and Samsung Pay.
• Home Loans Mortgage lending products including purchase mortgages, refinancing options, and home equity products with an online mortgage application and tracking platform.
• Auto & Personal Loans Vehicle financing and personal installment loan products for purchasing automobiles, boats, and other personal property with competitive rates and flexible terms.
• Commercial Banking Comprehensive commercial banking services including business checking, cash management, credit facilities, and treasury management solutions for businesses of all sizes.
• Equipment Finance Financing solutions for business equipment acquisition, including leasing and loan products for machinery, technology, and other capital investments.
• Treasury Management

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators4 records

Recent moves2 records

Expansion highlights1 record

Direct peers

• Byline Bank: Chicago-headquartered community bank serving small businesses and consumers across Illinois. Comparable as a privately held, full-service community bank operating in adjacent geographies.
• Old Second National Bank: Publicly traded Chicagoland community bank (NASDAQ: OSBC) serving retail, commercial, and wealth customers with branch and digital offerings. Directly comparable in geography, product breadth, and customer segments to West Suburban Bank.
• Inland Bank & Trust: Suburban Chicago community bank focused on small business and retail banking. Directly comparable in service area, target customers, and product mix.
• Marquette Bank: Chicagoland-based community bank with full-service retail, commercial, and mortgage offerings. Comparable as a mid-sized community bank operating in overlapping suburban territories.
• First Bank Chicago: Independent community bank serving the Chicago metropolitan area, including western suburbs. Comparable as a privately held community bank competing for similar retail and small-business customers.

Broad incumbents

• BMO Harris Bank: Major commercial and retail bank with significant branch presence throughout the western Chicago suburbs. Represents scale and product investment West Suburban must compete against.
• Wintrust Financial: Large Chicago-area community banking franchise with multiple charters across the metro, including suburban counties overlapping West Suburban's territory. A scaled incumbent with overlapping retail and commercial banking offerings.
• JPMorgan Chase (Chicagoland retail): Largest U.S. bank with extensive retail, commercial, and digital footprint across Illinois. Represents the national competitor against which West Suburban must differentiate on local service and relationship banking.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights4 records

Customer concentration

• Xx.com/West_Suburban
• Facebookfacebook.com/WestSuburbanBank
• LinkedInlinkedin.com/company/west-suburban-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about West Suburban Bank