Every 10-Q that Old Second Bancorp Inc (OSBC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OSBC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OSBC filings page.
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 reported stronger results for the quarter ended March 31, 2026. Net income rose to $25.6 million from $19.8 million a year earlier, and basic earnings per share increased to $0.49 from $0.44. Net interest and dividend income expanded to $81.1 million from $62.9 million, helped by higher loan and securities income, partly offset by increased deposit and borrowing costs.
Credit costs rose meaningfully: the provision for credit losses climbed to $9.5 million from $2.4 million, and net charge-offs reached $10.8 million, driven by a large charge-off on a downtown Chicago office loan, a warehouse and distribution credit, and higher powersport loan losses. The allowance for credit losses on loans stood at $72.1 million. Total assets were $6.85 billion, with loans of $5.19 billion and deposits of $5.56 billion.
The company continued returning capital, declaring a quarterly dividend of $0.07 per share and repurchasing stock, which increased treasury stock to $26.2 million. After quarter-end, it redeemed $30.0 million of subordinated debt as it transitioned from a fixed to a SOFR-based floating rate.
Old Second Bancorp (OSBC) reported Q3 2025 results showing solid balance sheet growth but lower earnings. Total assets reached $6,991,754, up from $5,649,377 at year‑end, reflecting loan and deposit growth and the Bancorp Financial acquisition. Loans rose to $5,265,014 and deposits to $5,760,250.
Quarterly performance mixed: net interest and dividend income increased to $82,775 from $60,578, but the provision for credit losses climbed to $19,653 from $2,000 and noninterest expense rose to $63,163 from $39,308, pressuring profitability. Net income was $9,871 versus $22,951 a year ago; diluted EPS was $0.18 versus $0.50. The company declared a $0.06 dividend per share.
Equity strengthened to $866,685, aided by acquisition-related increases in common stock and additional paid‑in capital, while accumulated other comprehensive loss improved to $(32,294) from $(47,748). Shares outstanding were 52,664,535 as of September 30, 2025.