OSBC OLD SECOND BANCORP INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Regional bank focused on loan origination, securities investments, and managing cash flows through interest margins
• • New emphasis on post-acquisition integration: Bancorp Financial acquisition generated $10.5M net cash inflow in 2025, following $237.4M inflow from FRME branch purchase in 2024

Risk Factors

• • Regulatory risk: OCC may impose restrictions on commercial real estate loans above 300% of capital, with loans at 220.3% of Tier 1 capital plus ACL as of Dec 31, 2025
• • Macroeconomic risk: Illinois state fiscal challenges may trigger tax hikes, reduce business vitality, or cause firms to leave, impacting bank's Chicago suburbs concentration

Management Discussion & Analysis

• • Revenue $339.3M including adjustments, up $45.3M or 15.8% from $294.0M in 2024 driven by net interest and noninterest income growth
• • Operating efficiency ratio 57.91% GAAP vs 54.36% in 2024, adjusted efficiency ratio stable at 53.15% vs 53.22% indicating margin pressure from higher expenses

Management Discussion & Analysis

• • Deposits rose 20.8% to $5.76B at Sept 30, 2025 vs $4.77B Dec 31, 2024, driven by Bancorp Financial acquisition
• • Net charge-offs 0.39% of average loans Q3 2025 vs 0.08% Q2 2025 and (0.02%) Q3 2024

Risk Factors

• • New credit risk from powersports loan portfolio acquired in Bancorp Financial deal, triggered by Q3 2025 net charge-offs increase
• • Increased credit loss allowance risk due to higher default rates and rapid collateral depreciation in powersports loans

What are the latest OSBC SEC filings in 2026?

OLD SECOND BANCORP INC (OSBC) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on November 6, 2025, an 8-K current report on April 22, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did OSBC file its most recent 10-K annual report?

OLD SECOND BANCORP INC (OSBC) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view OSBC 10-Q quarterly reports?

OLD SECOND BANCORP INC (OSBC)'s most recent 10-Q quarterly report was filed on November 6, 2025. SignalX displays every OSBC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has OSBC filed recently?

OLD SECOND BANCORP INC (OSBC)'s most recent 8-K was filed on April 22, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find OSBC insider trading activity (Form 4)?

SignalX aggregates every OSBC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does OSBC file with the SEC?

OLD SECOND BANCORP INC (OSBC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new OSBC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs — such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for OLD SECOND BANCORP INC (OSBC).

What is OSBC's SEC CIK number?

OLD SECOND BANCORP INC (OSBC)'s SEC CIK (Central Index Key) number is 357173. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 357173 to look up all OSBC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find OSBC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from OLD SECOND BANCORP INC (OSBC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.