Old Second Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	311.2	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth	27.15%	21.24%	-4.09%	22.20%	113.16%	5.41%
Non-Interest Income	48.78	46.36	43.83	34.18	43.12	39.76
Non-Interest Income Growth	12.08%	5.77%	28.23%	-20.73%	8.44%	6.06%
Revenues Before Loan Losses	359.99	339.32	285.46	286.11	249.27	136.48
Provision for Credit Losses	34.65	27.55	12.75	16.5	6.55	4.33
Revenue	325.34	311.77	272.71	269.61	242.72	132.15
Revenue Growth (YoY)	17.61%	14.32%	1.15%	11.08%	83.67%	11.21%
Compensation Expenses	127.34	124.66	98.03	88.57	86.57	57.69
Selling, General & Admin	43.27	41.28	31.7	27.17	37.82	28.46
Other Non-Interest Expenses	39.7	38.08	30.03	29.46	26.79	17.58
Total Non-Interest Expense	209.73	204.02	159.75	145.2	151.17	103.78
Pretax Income	115.62	107.75	112.96	124.41	91.55	27.87
Provision for Income Taxes	29.55	27.44	27.69	32.68	24.14	7.82
Net Income	86.07	80.31	85.26	91.73	67.41	20.04
Net Income to Common	86.07	80.31	85.26	91.73	67.41	20.04
Net Income Growth	2.73%	-5.81%	-7.05%	36.09%	236.28%	-27.96%
Shares Outstanding (Basic)	51	49	45	45	45	30
Shares Outstanding (Diluted)	52	50	46	45	45	31
Shares Change (YoY)	12.79%	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	1.72	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	1.68	1.62	1.87	2.02	1.49	0.65
EPS Growth	-8.20%	-13.37%	-7.43%	35.57%	129.23%	-29.35%
Shares Outstanding	51.67	52.67	44.87	44.7	44.58	44.46
Free Cash Flow	137.7	117.76	120.75	104.03	93.01	29.01
Free Cash Flow Growth	16.93%	-2.47%	16.07%	11.84%	220.58%	31.49%
Free Cash Flow Per Share	2.67	2.37	2.65	2.29	2.06	0.94
Dividends Per Share	0.260	0.250	0.210	0.200	0.200	0.160
Dividend Growth	4.00%	19.05%	5.00%	-	25.00%	300.00%
Profit Margin	26.45%	25.76%	31.27%	34.02%	27.77%	15.17%
FCF Margin	42.33%	37.77%	44.28%	38.58%	38.32%	21.96%
EBITDA	7.39	6.15	5.59	4.49	4.09	3.15
EBITDA Margin	2.27%	1.97%	2.05%	1.66%	1.68%	2.39%
Effective Tax Rate	25.56%	25.47%	24.52%	26.27%	26.37%	28.07%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q