Old Second Bancorp, Inc. (OSBC)
NASDAQ: OSBC · Real-Time Price · USD
24.40
+0.05 (0.21%)
Nov 6, 2026, 4:00 PM EST - Market closed
Old Second Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash & Equivalents | 108.1 | 124.03 | 99.33 | 100.15 | 115.18 | 752.11 |
Investment Securities | 574.95 | 642.44 | 692.81 | 693.92 | 880.6 | 848.36 |
Trading Asset Securities | 7.01 | 4.35 | 5.58 | 5.38 | 6.59 | 4 |
Mortgage-Backed Securities | 403.63 | 448.09 | 468.89 | 498.91 | 658.76 | 845.27 |
Total Investments | 985.59 | 1,095 | 1,167 | 1,198 | 1,546 | 1,698 |
Gross Loans | 5,238 | 5,252 | 3,981 | 4,043 | 3,870 | 3,421 |
Allowance for Loan Losses | -64.19 | -72.3 | -43.62 | -44.26 | -49.48 | -44.28 |
Net Loans | 5,174 | 5,180 | 3,938 | 3,999 | 3,820 | 3,377 |
Property, Plant & Equipment | 83.36 | 86.65 | 87.31 | 79.31 | 72.36 | 88.01 |
Goodwill | 129.2 | 129.2 | 93.26 | 86.48 | 86.48 | 86.33 |
Other Intangible Assets | 20.2 | 23.69 | 22.03 | 11.22 | 13.68 | 16.3 |
Loans Held for Sale | 1.41 | 3.65 | 1.56 | 1.32 | 0.49 | 4.74 |
Accrued Interest Receivable | 29.7 | 30.4 | 24.6 | 27.1 | 22.7 | 13.5 |
Other Current Assets | - | 0.37 | 1.4 | 1 | 4.6 | - |
Long-Term Deferred Tax Assets | 33.26 | 31.28 | 26.62 | 31.08 | 44.75 | 6.1 |
Other Real Estate Owned & Foreclosed | - | 1.43 | 21.62 | 5.12 | 1.56 | 2.36 |
Other Long-Term Assets | 193.8 | 185.97 | 162.11 | 164.67 | 154.82 | 161.53 |
Total Assets | 6,779 | 6,903 | 5,649 | 5,723 | 5,888 | 6,212 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Interest Bearing Deposits | 3,168 | 3,235 | 2,668 | 2,474 | 2,861 | 3,171 |
Institutional Deposits | 487.49 | 621.53 | 396.15 | 261.87 | 197.9 | 207.51 |
Non-Interest Bearing Deposits | 1,672 | 1,739 | 1,705 | 1,835 | 2,052 | 2,088 |
Total Deposits | 5,328 | 5,596 | 4,769 | 4,571 | 5,111 | 5,466 |
Short-Term Borrowings | 426.96 | 239.93 | 59.85 | 439.79 | 134.42 | 57.15 |
Current Portion of Long-Term Debt | - | - | - | - | 9 | 8 |
Current Portion of Leases | - | 3.65 | - | - | - | - |
Long-Term Debt | 29.81 | 59.55 | 59.47 | 59.38 | 103.88 | 114.77 |
Federal Home Loan Bank Debt, Long-Term | 9.89 | 14.83 | - | - | - | - |
Long-Term Leases | - | 9.05 | 12.47 | 11.58 | - | - |
Trust Preferred Securities | 25.77 | 25.77 | 25.77 | 25.77 | 25.77 | 25.77 |
Other Long-Term Liabilities | 80.05 | 57.06 | 52.06 | 38.25 | 43.38 | 38.25 |
Total Liabilities | 5,900 | 6,006 | 4,978 | 5,146 | 5,427 | 5,710 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Common Stock | 53.02 | 53.02 | 44.91 | 44.71 | 44.71 | 44.71 |
Additional Paid-In Capital | 340.75 | 341.45 | 205.28 | 202.22 | 202.28 | 202.44 |
Retained Earnings | 609.07 | 537.23 | 469.17 | 393.31 | 310.51 | 252.01 |
Treasury Stock | -80.89 | -6.19 | -0.58 | -0.18 | -3.23 | -5.9 |
Comprehensive Income & Other | -43.4 | -28.74 | -47.75 | -62.78 | -93.12 | 8.77 |
Shareholders' Equity | 878.55 | 896.77 | 671.03 | 577.28 | 461.14 | 502.03 |
Total Liabilities & Equity | 6,779 | 6,903 | 5,649 | 5,723 | 5,888 | 6,212 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Total Debt | 492.43 | 352.77 | 157.55 | 536.53 | 273.08 | 205.69 |
Net Cash (Debt) | -377.32 | -224.4 | -52.64 | -431 | -151.31 | 550.42 |
Net Cash Growth | - | - | - | - | - | 230.68% |
Net Cash Per Share | -7.18 | -4.52 | -1.15 | -9.49 | -3.35 | 17.91 |
Filing Date Shares Outstanding | 49.44 | 52.69 | 45.05 | 44.8 | 44.67 | 44.46 |
Total Common Shares Outstanding | 49.42 | 52.67 | 44.87 | 44.7 | 44.58 | 44.46 |
Book Value Per Share | 17.78 | 17.03 | 14.95 | 12.92 | 10.34 | 11.29 |
Tangible Book Value | 729.16 | 743.88 | 555.74 | 479.59 | 360.99 | 399.39 |
Tangible Book Value Per Share | 14.75 | 14.12 | 12.38 | 10.73 | 8.10 | 8.98 |