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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.
Old Second Bancorp, Inc. filed a current report to furnish a press release announcing its financial results for the third quarter ended September 30, 2025.
The report also provides separate loan portfolio disclosures as of that date, both attached as exhibits for readers who want more detailed financial information.
Old Second Bancorp (OSBC) announced a regular cash dividend. The Board declared a $0.07 per share dividend, payable on November 10, 2025 to stockholders of record as of October 31, 2025.
This reflects a standard capital return to shareholders via cash dividends, as disclosed under Other Events.
James Eccher, Chairman & CEO and a director of Old Second Bancorp, Inc. (OSBC), reported transactions on 09/30/2025 on Form 4. The filing shows allocations of 22 shares to his profit sharing account and 134 shares to his employee salary and savings (401(k)) plan, each reported as acquisitions at $0. The report also discloses 329,896 shares of Common Stock held directly and 184,318 Restricted Stock Units held directly. The filer notes that of the direct common shares, 148 are held jointly with spouse and 329,748 are held in a brokerage account. The form is signed by an attorney-in-fact on 10/01/2025.
Bradley S. Adams, CFO & COO of Old Second Bancorp, Inc. (OSBC), reported transactions on 09/30/2025. The Form 4 shows a 35-share allocation to his 401(k) plan at no cost and lists dispositions of 143,308 shares of common stock and 77,444 restricted stock units. Following the reported activity, Mr. Adams beneficially owns 10,085 shares indirectly through the 401(k) plan. The filing notes that the 143,308 disposed shares reflect holdings jointly held with his spouse (75,300 shares with a broker and 68,008 shares held outright). Transactions were reported by an attorney-in-fact on 10/01/2025.
Gary S. Collins, Vice Chairman and a director of Old Second Bancorp, Inc. (OSBC), reported several Form 4 transactions dated 09/30/2025. The filing shows an allocation of 62 shares to Mr. Collins under the companys Employee Salary and Savings Plan and multiple disposals: 46,624 shares and 44,946 restricted stock units were disposed of on the same date. After these transactions, Mr. Collins beneficially owned 6,765 shares (indirect via a 401(k)) and 78,256.085 shares indirectly in IRAs, which include 41,000 shares in a Roth IRA and 37,256.085 shares in a traditional IRA.
The report was signed by an attorney-in-fact on 10/01/2025 and discloses Mr. Collins dual role as director and Vice Chairman. The filing records routine plan allocations and disposals but does not provide reasons for the disposals or any derivative transactions.
Donald Pilmer, an EVP and officer of Old Second Bancorp, reported Form 4 transactions dated 09/30/2025 showing allocations from company benefit plans and a disposition of restricted stock units. The filing lists 182 shares from the Profit Sharing Plan and 3,995 shares from the Employee Salary Savings (401-k) Plan allocated to accounts, plus 1,450 shares held in a spouse's IRA. The report also shows a disposition of 38,718 Restricted Stock Units. After the transactions, the filing lists 63,135 shares as indirectly beneficially owned, which the filer explains includes brokerage holdings, custodial shares, and remaining RSUs.
Richard A. Gartelmann Jr., EVP and director of Old Second Bancorp, Inc. (OSBC), reported transactions dated 09/30/2025. The filing shows 44 shares of Old Second common stock were allocated to a 401(k) plan account during the third quarter at a $0 price and are recorded as held indirectly in a plan account, increasing the reported indirect holding to 12,516 shares. The form also records dispositions of 26,874 shares held in the reporting person’s name and 20,552 restricted stock units disposed, with an explanatory note that the 44 newly allocated shares were provided by the Plan Trustee as of 09/30/2025. The filing is signed by an attorney-in-fact on 10/01/2025.
Old Second Bancorp, Inc. filed a current report to announce timing for its upcoming quarterly results. The company plans to release its financial results for the third quarter of 2025 after the market closes on October 22, 2025.
The company will host an earnings conference call on October 23, 2025 at 10:00 a.m. Eastern Time (9:00 a.m. Central Time), with investors able to join by dialing 888-506-0062 and using entry code 740004. A telephone replay will be available until 10:00 a.m. Eastern Time on October 30, 2025 by dialing 877-481-4010 and using replay PIN 53047.
Old Second Bancorp, Inc. filed an amended current report to update disclosure related to its acquisition of Bancorp Financial, Inc., which was completed on July 1, 2025 under a previously signed merger agreement.
This amendment adds Bancorp Financial’s audited financial statements for the years ended December 31, 2024 and 2023, interim unaudited financial statements as of and for the six months ended June 30, 2025 and 2024, and related notes. It also provides unaudited pro forma condensed combined financial information for the combined company as of December 31, 2024 and June 30, 2025, and for the related annual and six‑month periods.
The pro forma information is presented for informational purposes only and is not intended to represent actual historical results or to project future performance. All other aspects of the original merger completion report remain unchanged.