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Old Second Bancorp, Inc. (OSBC) has filed an automatic shelf registration on Form S-3 to offer, from time to time after effectiveness, an indeterminate aggregate offering price of common stock, preferred stock, debt securities, warrants, depositary shares, subscription rights, stock purchase contracts, stock purchase units and units. The registration uses a “pay-as-you-go” fee method under Rules 456(b) and 457(r), and allows offerings on a continuous or delayed basis, typically via prospectus supplements that will set specific terms and prices.
Old Second is a Delaware bank holding company for Old Second National Bank, operating 59 banking centers in several Illinois counties and providing full-service commercial, consumer, mortgage, electronic banking and wealth management services. As of June 30, 2026, it reported $6.9 billion in consolidated total assets, $5.2 billion in net loans, $5.4 billion in deposits and $902.8 million in stockholders’ equity. Its common stock trades on the NASDAQ Global Select Market under the symbol OSBC, with a last reported sale price of $25.83 on August 17, 2026. Unless a supplement specifies otherwise, net proceeds from any future offerings will be used for general corporate purposes, including subsidiary investments, working capital, capital expenditures, stock repurchases, debt repayment and potential acquisitions.
Old Second Bancorp, Inc. director and Chairman/CEO James Eccher reported a sale of 19,313 shares of common stock on August 12, 2026 in an open-market transaction under a Rule 10b5-1 trading plan adopted on May 1, 2026. The weighted average sale price was $25.6149 per share, with individual trades between $25.48 and $25.79. Following this sale, Eccher directly holds 303,399 shares, including 303,251 shares in a brokerage account and 148 shares held jointly with his spouse.
Old Second Bancorp, Inc. Chairman and CEO James Eccher reported selling 55,687 shares of common stock on August 11, 2026 at a weighted average price of $25.4595 per share, with trades ranging from $25.30 to $25.6050. The sales were effected under a Rule 10b5-1 trading plan adopted on May 1, 2026. Following the sale, he reported 322,712 directly held shares, additional indirect holdings of 33,498 shares via a 401(k) and 6,378 via a profit-sharing plan, and 188,252 Restricted Stock Units.
OLD SECOND BANCORP INC director Billy J. Lyons Jr. reported an acquisition of 20 shares of Old Second Bancorp, Inc. common stock on 2026-08-10 as a grant or award at $25.38 per share, bringing his direct common stock holdings to 20,117 shares. A footnote states this total includes 8,687 shares held with a broker and 11,430 shares held in his name outright. He also reports a direct holding of 10,595 Restricted Stock Units, which are tracked separately from the common shares.
Old Second Bancorp, Inc. delivered higher profitability for the quarter and six months ended June 30, 2026. For the quarter, net income was $28,179 versus $21,822 a year earlier, with basic and diluted EPS of $0.55 and $0.54. For the first half, net income was $53,764 compared with $41,652, and basic EPS rose to $1.04 from $0.93. Net interest and dividend income increased to $83,329 from $64,234 in the quarter and to $164,473 from $127,138 for the first half as interest income growth outpaced higher funding costs.
Credit costs increased. The provision for credit losses was $7,500 in the quarter and $17,000 year-to-date, up from $2,500 and $4,900. Management links this mainly to elevated commercial and commercial real estate charge-offs, including about $6.8 million on two office relationships and $4.3 million on a warehouse and distribution borrower, plus roughly $8.3 million of powersport net charge-offs related to loans acquired in the Bancorp Financial transaction. The allowance for credit losses on loans stood at $70,380, with an additional $2.0 million for unfunded commitments.
At June 30, 2026, total assets were $6,870,305, deposits were $5,444,688, and loans totaled $5,245,870, with real estate-related categories comprising 55.1% of the portfolio. Securities available-for-sale had fair value of $1,040,760 and gross unrealized losses of $49,083, and $663.7 million of securities were pledged. Stockholders’ equity increased to $902,811 as retained earnings grew despite $40,207 of treasury stock purchases and first-half dividends of $0.14 per share, with an additional $0.07 dividend declared for payment in August 2026.
Old Second Bancorp, Inc. reported strong results for the second quarter of 2026 with net income of $28.2 million, or $0.54 per diluted share, up from $25.6 million, or $0.48, in the first quarter. Adjusted net income was $28.7 million, or $0.55 per diluted share. Net interest income was $83.3 million, and the tax-equivalent net interest margin expanded nine basis points quarter over quarter to 5.23%, supported by a $60.6 million increase in loans to $5.25 billion.
Credit costs remained elevated but manageable. Net charge-offs were $9.2 million, largely from one downtown Chicago office credit and one commercial relationship, while nonperforming loans declined to 1.08% of total loans and the allowance for credit losses stood at 1.34% of loans. Noninterest income grew 5.0% to $13.3 million, and noninterest expense rose 2.1% to $51.3 million, producing an efficiency ratio of 51.72%.
Capital and per-share measures improved. Tangible book value per share increased to $14.77 despite the repurchase of 732,000 shares during the quarter. The tangible common equity to tangible assets ratio was 11.19%, while the common equity Tier 1 capital ratio was 13.28% and the Tier 1 leverage ratio 12.05%. Profitability ratios were solid, with return on average assets of 1.65% and return on average tangible common equity of 15.58%.
Old Second Bancorp, Inc. reports that its Board of Directors declared a cash dividend of $0.07 per share on July 21, 2026. The dividend applies to outstanding shares of its common stock.
The dividend is scheduled to be paid on August 10, 2026 to stockholders of record as of July 31, 2026. Investors owning shares on the record date will be entitled to receive this cash distribution.
Old Second Bancorp, Inc. announced that director John Williams, Jr. resigned from its Board of Directors effective July 7, 2026. He stepped down under the company’s Director Resignation Policy, which requires directors to resign upon reaching age 73, and not due to any disagreement with the company.
Williams, Jr., who joined the Board in 2021 and served on the Risk and Insurance Committee, is recognized by the company for his contributions. The Board does not plan to immediately fill the vacancy and will instead reduce its size by one seat, with the intent, following a recommendation from the Nominating and Corporate Governance Committee, to keep Board classes as nearly equal in number as possible.
OLD SECOND BANCORP INC executive Bradley S. Adams, the CFO and COO, reported updated share holdings on a Form 4. The filing shows a small 34-share transaction coded “J,” described as an other acquisition or disposition, allocated during the second quarter under the Old Second Bancorp, Inc. Salary & Savings Plan and reported by the plan trustee as of June 30, 2026.
After this plan-related activity, Adams directly holds 84,980 Restricted Stock Units and 160,401 shares of Old Second Bancorp common stock. Footnotes state this common stock figure includes 75,300 shares held jointly with his spouse through a broker and 85,101 shares held jointly with his spouse outright. In addition, he indirectly holds 10,193 shares through the 401-k Salary & Savings Plan. The transactions are routine reporting and do not reflect any open-market buying or selling.