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Old Second Bancorp (OSBC) shares Q4 2025 results and loan data

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
8-K

Rhea-AI Filing Summary

Old Second Bancorp, Inc. filed a current report to share that it has issued a press release with its financial results for the fourth quarter ended December 31, 2025. The company also provided additional details on its loan portfolio in separate disclosures. These materials are included as exhibits to the report so investors can review both the quarterly performance and the composition of the loan book.

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OLD SECOND BANCORP INC0000357173false00003571732026-01-212026-01-21

I

United States

Securities And Exchange Commission
Washington, D.C. 20549

FORM 8-K

Current Report

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 21, 2026

Graphic
(Exact name of registrant as specified in its charter)

Delaware

000-10537

36-3143493

(State or other jurisdiction of incorporation)

(Commission File Number)

(I.R.S. Employer Identification No.)

37 South River Street
Aurora, Illinois 60507
(Address of principal executive offices) (Zip code)

(630) 892-0202
(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock

OSBC

The Nasdaq Stock Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company  

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  

Item 2.02 Results of Operations and Financial Condition

On January 21, 2026, Old Second Bancorp, Inc. (the “Company’s”) issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, along with certain other financial information. Copies of the Company’s press release and loan portfolio disclosures are attached as Exhibits 99.1 and 99.2, respectively.

Item 9.01 Financial Statements and Exhibits

Exhibit No.

Description

99.1

Press Release of Old Second Bancorp, Inc. dated January 21, 2026

99.2

Loan Portfolio Disclosures for Old Second Bancorp, Inc. dated December 31, 2025

104

Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document)

2

Signature

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

OLD SECOND BANCORP, INC.

Dated: January 21, 2026

By:

/s/ Bradley S. Adams

Bradley S. Adams

Executive Vice President,

Chief Operating Officer and

Chief Financial Officer

3

FAQ

What did Old Second Bancorp (OSBC) disclose in this 8-K?

Old Second Bancorp reported that it issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, along with related loan portfolio information.

Which period do the latest Old Second Bancorp (OSBC) results cover?

The financial results discussed in this report cover the fourth quarter ended December 31, 2025.

Where can investors find Old Second Bancorp’s Q4 2025 earnings details?

The detailed Q4 2025 financial results are contained in the company’s press release, which is attached as Exhibit 99.1 to the report.

What loan information did Old Second Bancorp (OSBC) provide?

Old Second Bancorp attached loan portfolio disclosures dated December 31, 2025 as Exhibit 99.2, giving more detail on its loans.

Who signed Old Second Bancorp’s current report?

The report was signed on behalf of Old Second Bancorp, Inc. by Bradley S. Adams, Executive Vice President, Chief Operating Officer and Chief Financial Officer.

What form did Old Second Bancorp (OSBC) use for this disclosure?

Old Second Bancorp used a Form 8-K to furnish its fourth quarter 2025 financial results and loan portfolio disclosures.
Old Second Bancorp Inc Ill

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