OLD SECOND BANCORP INC

Listed Company

OSBCCIK 0000357173NasdaqLarge AcceleratedState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

—

Total Assets

$6.90B

Equity

$896.77M

Shares Out

51.43M

Op. Cash Flow

$122.26M

OSBC$23.63+27.01% · past yearDBEQ Basic

Daily closing prices

Business

Old Second Bancorp, Inc. is a bank holding company operating through its wholly-owned subsidiary Old Second National Bank, a national bank in Illinois. The company offers full-service community banking including commercial and consumer lending, deposit products, trust and wealth management services, and electronic banking across 55 banking centers in Illinois counties and select nationwide markets. Following its 2025 acquisition of Bancorp Financial, the company expanded into powersport, collector car, and manufactured home lending nationwide while maintaining its core Illinois market focus.

Summary from 10-K filed 2026-02-26

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	306	253	244	176	91
Loans held-for-sale	127,000	94,000	91,000	130,000	165,000
Taxable	38	35	38	32	8
Tax exempt	5	5	5	5	5
Dividends from FHLBC and FRBC stock	2	2	2	936,000	456,000
Interest bearing deposits with financial institutions	5	2	3	2	656,000
Total interest and dividend income	355	298	292	216	105
Savings, NOW, and money market deposits	27	18	9	2	961,000
Time deposits	29	20	7	1	2
Securities sold under repurchase agreements	229,000	337,000	93,000	40,000	82,000
Other short-term borrowings	2	15	19	480,000	—
Junior subordinated debentures	1	1	1	1	1
Subordinated debentures	2	2	2	2	2
Senior notes	—	—	2	3	3
Notes payable and other borrowings	316,000	—	87,000	—	—
Total interest expense	62	56	40	—	—
Net interest and dividend income	293	242	252	206	97
Provision for credit losses	28	13	17	7	4
Net interest and dividend income after provision for credit losses	265	229	235	200	92
Mortgage servicing rights mark to market loss	−2	−723,000	−1	3	1
Net gain on sales of mortgage loans	2	2	1	2	9
Securities gains (losses), net	7,000	—	−4	−944,000	232,000
Change in cash surrender value of BOLI	3	4	2	718,000	1
Death benefit realized on BOLI	430,000	905,000	—	—	—
Card related income	11	10	10	11	7
Other income	5	4	4	5	2
Total noninterest income	46	44	34	43	39
Salaries and employee benefits	125	98	89	87	58
Occupancy, furniture and equipment	19	16	14	15	14
Computer and data processing	14	9	7	16	8
FDIC insurance	3	3	3	2	—
Net teller & bill paying	3	2	2	4	874,000
General bank insurance	1	1	1	1	1
Amortization of core deposit intangible	5	2	2	3	644,000
Advertising expense	1	1	721,000	589,000	343,000
Card related expense	6	6	5	4	3
Legal fees	2	1	927,000	873,000	1
Consulting & management fees	4	2	2	2	5
Other real estate expense, net	2	2	399,000	130,000	151,000
Other expense	20	15	17	15	12
Total noninterest expense	204	160	145	151	104
Income before income taxes	108	113	124	92	28
Provision for income taxes	27	28	33	24	8
Net income	80	85	92	67	20
Basic earnings per share	1.64	1.9	2.05	1.51	0.66
Diluted earnings per share	1.62	1.87	2.02	1.49	0.65
Dividends declared per share	0.25	0.21	0.2	0.2	0.16

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	52	52	56	57	39
Interest earning deposits with financial institutions	72	47	45	59	714
Cash and cash equivalents	124	99	100	115	752
Securities available-for-sale, at fair value	1,091	1,162	1,193	1,539	—
"Federal Home Loan Bank Chicago (""FHLBC"") and Federal Reserve Bank Chicago (""FRBC"") stock"	32	19	33	21	13
Loans held-for-sale	4	2	1	491,000	5
Loans	5,252	3,981	4,043	3,870	—
Less: allowance for credit losses on loans	72	44	44	49	44
Net loans	5,180	3,938	3,999	3,820	—
Premises and equipment, net	87	87	79	72	88
Other real estate owned, net	1	22	5	2	2
Mortgage servicing rights, at fair value	9	10	10	11	7
Goodwill	129	93	86	86	86
"Core deposit intangible (""CDI"")"	24	22	11	14	16
"Bank-owned life insurance (""BOLI"")"	130	113	109	107	105
Deferred tax assets, net	31	27	31	45	6
Other assets	60	56	64	56	60
Total assets	6,903	5,649	5,723	5,888	6,212
Noninterest bearing demand	1,739	1,705	1,835	2,052	2,088
Savings, NOW, and money market	2,746	2,315	2,208	2,617	2,875
Time	1,111	749	528	442	504
Total deposits	5,596	4,769	4,571	5,111	5,466
Securities sold under repurchase agreements	24	37	26	32	50
Other short-term borrowings	215	20	405	90	—
Junior subordinated debentures	26	26	26	26	26
Subordinated debentures	60	59	59	59	59
Notes payable and other borrowings	15	—	—	—	—
Other liabilities	71	68	58	56	45
Total liabilities	6,006	4,978	5,146	5,427	5,710
Common stock	53	45	45	45	45
Additional paid-in capital	341	205	202	202	202
Retained earnings	537	469	393	311	252
Accumulated other comprehensive loss, net	−29	−48	−63	−93	9
Treasury stock	−6	−575,000	−177,000	−3	−6
Total stockholders' equity	897	671	577	461	502
Total liabilities and stockholders' equity	6,903	5,649	5,723	5,888	6,212

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net premium / discount amortization on securities	2	3	3	5	3
Originations of loans held-for-sale	−86	−58	−52	−77	−239
Proceeds from sales of loans held-for-sale	85	59	52	82	254
Net accretion of discount on loans	−3	−422,000	−3	−6	−1
Net gains on sale of other real estate owned	−201,000	−390,000	−256,000	−163,000	−41,000
Provision for other real estate owned valuation losses	681,000	2	269,000	104,000	79,000
Depreciation of fixed assets and amortization of leasehold improvements	6	6	4	4	3
Amortization of operating lease right-of-use asset	562,000	1	758,000	174,000	—
Net gains on disposal and transfer of fixed assets	−742,000	−31,000	−623,000	−2	—
Loss on lease termination	—	47,000	—	—	—
Change in current income taxes receivable	4	6	−5	12	−9
Deferred tax expense (benefit)	2	−1	2	969,000	6
Change in accrued interest receivable and other assets	9	4	−7	−1	7
Accretion of purchase accounting adjustment on time deposits	−837,000	−235,000	−1	−2	−155,000
Amortization of junior subordinated debentures issuance costs	1,000	—	—	—	—
Change in accrued interest payable and other liabilities	−10	13	7	6	−11
Payments on operating lease payable	−231,000	−1	−478,000	−191,000	—
Stock based compensation	6	4	4	3	1
Net cash provided by operating activities	122	132	116	97	31
Proceeds from maturities and calls, including pay down of securities available-for-sale	280	304	186	280	139
Proceeds from sales of securities available-for-sale	126	5	206	31	606
Purchases of securities available-for-sale	−192	−265	−13	−302	−886
Net (purchases) redemptions of FHLBC/FRBC stock	−11	14	−13	−7	—
Net change in loans	−76	35	−198	−444	122
Purchases of BOLI policies	−1	−1	−590,000	−590,000	−591,000
Proceeds from claims on BOLI, net of claims receivable	433,000	1	—	—	—
Proceeds from sales of other real estate owned, net of participations	25	3	2	941,000	6
Proceeds from disposition of premises and equipment	2	—	5	13	—
Net purchases of premises and equipment	−5	−11	−12	−4	−2
Cash paid for acquisition, net of cash and cash equivalents retained	11	237	—	−146,000	149
Net cash used in investing activities	160	323	162	−433	133
Net change in deposits	−404	−70	−539	−354	235
Net change in securities sold under repurchase agreements	−13	10	−6	−18	−17
Net change in other short-term borrowings	180	−385	315	90	—
Repayment of term note	—	—	−9	−4	−4
Repayment of senior notes	—	—	−45	—	—
Dividends paid on common stock	−12	−9	−9	−9	−5
Purchase of treasury stock	−7	−1	−605,000	−455,000	−10
Net cash used in financing activities	−257	−455	−293	−301	258
Net change in cash and cash equivalents	25	−816,000	−15	−637	422
Income taxes paid, net	21	23	36	11	11
Interest paid for deposits	55	37	14	3	3
Interest paid for borrowings	6	18	24	7	5
Operating leases recognized	2	1	7	—	—
Transfer of loans to other real estate owned	5	21	6	87,000	196,000
Transfer of fixed assets to other assets	1	1	582,000	5	—

Filings

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Frequently asked questions

What is OLD SECOND BANCORP INC's CIK number?

OLD SECOND BANCORP INC's SEC CIK number is 0000357173 (357173). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find OLD SECOND BANCORP INC's SEC filings?

All of OLD SECOND BANCORP INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did OLD SECOND BANCORP INC last report earnings?

OLD SECOND BANCORP INC (OSBC) most recently filed an earnings 8-K with the SEC on Apr 22, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0000357173-26-000020). This is OLD SECOND BANCORP INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is OLD SECOND BANCORP INC's most recent earnings 8-K?

OLD SECOND BANCORP INC's latest earnings 8-K (Item 2.02) was filed Apr 22, 2026 under accession 0000357173-26-000020. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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