Old Second Bancorp, Inc. (OSBC)

Old Second Bancorp Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	359.44	305.9	253.41	244.28	176.51	90.78
Interest Income on Investments	44.49	49.28	44.49	47.69	39.96	14.39
Total Interest Income	403.93	355.18	297.9	291.97	216.47	105.17
Interest Paid on Deposits	58.51	56.37	38.01	15.4	3.35	2.47
Interest Paid on Borrowings	13.85	5.85	18.26	24.64	6.97	5.98
Total Interest Expense	72.36	62.22	56.27	40.04	10.32	8.45
Net Interest Income	331.57	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth	22.13%	21.24%	-4.09%	22.20%	113.16%	5.41%
Trust Income	14.23	13.24	11.43	9.8	9.89	9.41
Mortgage Banking Activities	0.51	0.37	0.29	0.26	0.33	1.04
Gain (Loss) on Sale of Investments	0.01	0.01	-	-4.15	-0.94	0.23
Other Non-Interest Income	22.34	18.74	19.17	16.97	22.26	13.87
Total Non-Interest Income	50.69	45.93	42.91	34.18	43.12	39.26
Non-Interest Income Growth	10.62%	7.03%	25.56%	-20.73%	9.82%	4.89%
Revenues Before Loan Losses	382.26	338.9	284.55	286.11	249.27	135.98
Provision for Loan Losses	26.75	27.55	12.75	16.5	6.55	4.33
Revenue	355.51	311.34	271.8	269.61	242.72	131.65
Revenue Growth	22.90%	14.55%	0.81%	11.08%	84.37%	10.85%
Salaries and Employee Benefits	115.89	119.11	94.11	84.96	83.61	56.26
Occupancy Expenses	16.07	14.25	12.56	11.49	12.7	8.18
Federal Deposit Insurance	2.98	2.84	2.54	2.71	2.4	0.98
Amortization of Goodwill & Intangibles	4.73	4.55	2.44	2.46	2.63	0.64
Selling, General & Administrative	34.52	31.19	22.05	17.89	24.94	17.38
Other Non-Interest Expense	31.92	29.96	23.82	25.29	24.77	16.39
Total Non-Interest Expense	206.02	204.02	159.75	145.2	151.17	99.97
EBT Excluding Unusual Items	149.49	107.32	112.05	124.41	91.55	31.68
Pretax Income	149.92	107.75	112.96	124.41	91.55	27.87
Income Tax Expense	38.43	27.44	27.69	32.68	24.14	7.82
Net Income	111.49	80.31	85.26	91.73	67.41	20.04
Net Income to Common	111.49	80.31	85.26	91.73	67.41	20.04
Net Income Growth	57.84%	-5.81%	-7.05%	36.09%	236.28%	-27.96%
Basic Shares Outstanding	52	49	45	45	45	30
Diluted Shares Outstanding	53	50	46	45	45	31
Shares Change	10.08%	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	2.16	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	2.13	1.62	1.87	2.02	1.49	0.65
EPS Growth	43.89%	-13.37%	-7.43%	35.57%	129.23%	-29.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.280	0.250	0.210	0.200	0.200	0.160
Dividend Growth	16.67%	19.05%	5.00%	0%	25.00%	300.00%
Effective Tax Rate	25.63%	25.47%	24.52%	26.27%	26.37%	28.07%

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 7, 2026

Data Sources Report a data error