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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	359.38	305.9	253.41	244.28	176.51	90.78
Interest Income on Investments	46.53	49.28	44.49	47.69	39.96	14.39
Total Interest Income	405.91	355.18	297.9	291.97	216.47	105.17
Interest Paid on Deposits	64.59	56.37	38.01	15.4	3.35	2.47
Interest Paid on Borrowings	11.03	5.85	18.26	24.64	6.97	5.98
Total Interest Expense	75.61	62.22	56.27	40.04	10.32	8.45
Net Interest Income	330.3	292.96	241.64	251.93	206.16	96.72
Net Interest Income Growth	32.49%	21.24%	-4.09%	22.20%	113.16%	5.41%
Trust Income	14.06	13.24	11.43	9.8	9.89	9.41
Mortgage Banking Activities	0.5	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	22.23	18.74	19.17	16.97	22.26	13.87
Total Non-Interest Income	50.72	45.93	42.91	34.18	43.12	39.26
Non-Interest Income Growth	17.21%	7.03%	25.56%	-20.73%	9.82%	4.89%
Revenues Before Loan Losses	381.02	338.9	284.55	286.11	249.27	135.98
Provision for Loan Losses	39.65	27.55	12.75	16.5	6.55	4.33
Revenue	341.37	311.34	271.8	269.61	242.72	131.65
Revenue Growth	20.98%	14.55%	0.81%	11.08%	84.37%	10.85%
Salaries and Employee Benefits	124.62	119.11	94.11	84.96	83.61	56.26
Occupancy Expenses	15.72	14.25	12.56	11.49	12.7	8.18
Federal Deposit Insurance	3.09	2.84	2.54	2.71	2.4	0.98
Amortization of Goodwill & Intangibles	4.83	4.55	2.44	2.46	2.63	0.64
Selling, General & Administrative	36.82	31.19	22.05	17.89	24.94	17.38
Other Non-Interest Expense	32.4	29.96	23.82	25.29	24.77	16.39
Total Non-Interest Expense	217.56	204.02	159.75	145.2	151.17	99.97
EBT Excluding Unusual Items	123.81	107.32	112.05	124.41	91.55	31.68
Pretax Income	124.24	107.75	112.96	124.41	91.55	27.87
Income Tax Expense	31.82	27.44	27.69	32.68	24.14	7.82
Net Income	92.42	80.31	85.26	91.73	67.41	20.04
Net Income to Common	92.42	80.31	85.26	91.73	67.41	20.04
Net Income Growth	10.40%	-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	16.19%	8.83%	0.54%	0.40%	47.09%	1.87%
EPS (Basic)	1.77	1.64	1.90	2.05	1.51	0.66
EPS (Diluted)	1.74	1.62	1.87	2.02	1.49	0.65
EPS Growth	-4.80%	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	0.270	0.250	0.210	0.200	0.200	0.160
Dividend Growth	17.39%	19.05%	5.00%	0%	25.00%	300.00%
Effective Tax Rate	25.61%	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: May 7, 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:

Aug 18, 2026

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