| Balance Sheets | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Cash and due from banks | 48,100 | 51,665 | 53,099 | 63,484 |
| Interest earning deposits with financial institutions | 67,627 | 72,360 | 63,426 | 78,283 |
| Cash and cash equivalents | 115,727 | 124,025 | 116,525 | 141,767 |
| Securities available-for-sale, at fair value | 1,115,443 | 1,090,523 | 1,157,480 | 1,177,688 |
| Federal home loan bank chicago ('fhlbc') and federal reserve bank chicago ('frbc') stock | 31,350 | 32,025 | 28,282 | 19,087 |
| Loans held-for-sale | 4,344 | 3,645 | 1,463 | 3,235 |
| Loans | 5,185,237 | 5,252,131 | 5,265,014 | 3,998,667 |
| Less allowance for credit losses on loans | 72,126 | 72,301 | 75,037 | 42,990 |
| Net loans | 5,113,111 | 5,179,830 | 5,189,977 | 3,955,677 |
| Cost | NaN | 172,110 | NaN | NaN |
| Accumulated depreciation/amortization | NaN | 85,465 | NaN | NaN |
| Premises and equipment, net | 85,634 | 86,645 | 87,714 | 85,702 |
| Other real estate owned, net | 632 | 1,427 | 6,416 | 6,486 |
| Mortgage servicing rights, at fair value | 9,579 | 9,459 | 9,549 | 9,680 |
| Goodwill | 129,196 | 129,196 | 130,262 | 93,232 |
| Core deposit intangible ('cdi') | 22,516 | 23,692 | 24,927 | 19,972 |
| Bank-owned life insurance ('boli') | 131,563 | 130,481 | 129,057 | 114,399 |
| Deferred tax assets, net | 31,321 | 31,276 | 33,374 | 20,395 |
| Other assets | 58,805 | 60,451 | 76,728 | 53,974 |
| Total assets | 6,849,221 | 6,902,675 | 6,991,754 | 5,701,294 |
| Noninterest bearing demand | 1,755,548 | 1,739,117 | 1,738,028 | 1,704,083 |
| Savings, now, and money market | 2,795,038 | 2,745,540 | 2,763,990 | 2,400,235 |
| Time | 1,014,413 | 1,111,412 | 1,258,232 | 694,121 |
| Total deposits | 5,564,999 | 5,596,069 | 5,760,250 | 4,798,439 |
| Securities sold under repurchase agreements | 23,130 | 23,769 | 24,290 | 47,252 |
| Other short-term borrowings | 200,000 | 215,000 | 165,000 | NaN |
| Junior subordinated debentures | 25,774 | 25,774 | 25,774 | 25,774 |
| Subordinated debentures | 59,574 | 59,552 | 59,531 | 59,510 |
| Notes payable and other borrowings | 14,837 | 14,825 | 14,812 | NaN |
| Other liabilities | 67,610 | 70,918 | 75,412 | 51,670 |
| Total liabilities | 5,955,924 | 6,005,907 | 6,125,069 | 4,982,645 |
| Common stock | 53,015 | 53,015 | 53,015 | 45,094 |
| Additional paid-in capital | 338,418 | 341,451 | 340,108 | 206,207 |
| Retained earnings | 559,129 | 537,231 | 512,131 | 505,419 |
| Accumulated other comprehensive loss, net | -31,095 | -28,738 | -32,294 | -37,426 |
| Treasury stock | 26,170 | 6,191 | 6,275 | 645 |
| Total stockholders' equity | 893,297 | 896,768 | 866,685 | 718,649 |
| Total liabilities and stockholders' equity | 6,849,221 | 6,902,675 | 6,991,754 | 5,701,294 |
OLD SECOND BANCORP INC (OSBC)
OLD SECOND BANCORP INC (OSBC)