Financial insights of OSBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$25,585K
EPS
$0.48
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Service charges on deposits-Fiduciary And Trust	3,383	3,961*	3,515	3,103
Service charges on deposits-Deposit Account	3,126	2,720*	2,920	2,788
Service charges on deposits-Mortgage Banking	121	108*	92	84
Service charges on deposits-Mortgage Servicing	497	454*	469	472
Mortgage servicing rights mark to market loss	152	538*	389	531
Net gain on sales of mortgage loans	555	536*	620	550
Securities gains (losses), net	-	10*	-1	-
Change in cash surrender value of boli	1,082	400*	1,175	690
Death benefit realized on boli	-	-860*	430	-
Card related income	2,354	2,437*	2,739	2,716
Other income	1,664	1,126*	1,539	1,026
Total noninterest income	12,630	10,352*	13,109	10,898
Loans, including fees	87,138	75,894*	91,301	61,954
Loans held-for-sale	43	22*	31	39
Taxable	8,949	8,448*	9,872	9,959
Tax exempt	1,155	1,247*	1,235	1,229
Dividends from fhlbc and frbc stock	512	536*	381	273
Interest bearing deposits with financial institutions	549	67*	1,255	1,784
Total interest and dividend income	98,346	86,213*	104,075	75,238
Savings, now, and money market deposits	7,147	5,495*	9,043	5,606
Time deposits	7,217	6,491*	10,896	4,508
Securities sold under repurchase agreements	50	55*	60	56
Other short-term borrowings	1,791	1,045*	308	-
Junior subordinated debentures	296	288*	288	288
Subordinated debentures	546	546*	547	546
Notes payable and other borrowings	155	-158*	158	-
Total interest expense	17,202	13,761*	21,300	11,004
Net interest and dividend income	81,144	72,452*	82,775	64,234
Provision for credit gaines	9,500	-5,676*	19,653	2,500
Legal fees	-	494*	432	388
Net interest and dividend income after provision for credit losses	71,644	78,128*	63,122	61,734
Salaries and employee benefits	29,673	24,653*	39,723	26,950
Occupancy, furniture and equipment	5,371	4,933*	4,937	4,477
Computer and data processing	3,375	3,799*	4,002	2,692
Fdic insurance	759	600*	854	642
Net teller & bill paying	716	679*	691	670
General bank insurance	353	302*	437	328
Amortization of core deposit intangible	1,176	1,136*	1,251	1,022
Advertising expense	-	34*	545	320
Advertising and marketing expense	551	-	-	-
Card related expense	1,519	1,434*	1,708	1,489
Professional fees	1,299	-	-	-
Consulting & management fees	-	-555*	2,471	527
Consumer credit expense	1,522	-	-	-
Other real estate expense, net	-186	1,873*	128	35
Other expense	4,082	4,771*	5,984	3,879
Total noninterest expense	50,210	44,149*	63,163	43,419
Income before income taxes	34,064	44,330*	13,068	29,213
Provision for income taxes	8,479	11,559*	3,197	7,391
Net income	25,585	32,771	9,871	21,822

Basic EPS	0.49	0.67	0.19	0.49
Diluted EPS	0.48	0.66	0.18	0.48
Basic Average Shares	52,450,306	48,886,579	52,686,391	45,053,650
Diluted Average Shares	53,303,072	49,659,462	53,509,690	45,839,465

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$25,585K
EPS
$0.48
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$25,585K
EPS
$0.48
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$25,585KEPS$0.48Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$25,585KEPS$0.48Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$25,585K
EPS
$0.48
Unit: Thousand (K) dollars

Net Income
$25,585K
EPS
$0.48
Unit: Thousand (K) dollars