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
• • Strategic liquidity management shift: Increased use of FHLBC advances with $179.5M short-term borrowings in 2025 vs reduction of $385M in 2024, reflecting dynamic liquidity needs
• • Notable metric: Deposit outflows increased substantially to $404.3M in 2025 from $69.8M in 2024, impacting financing cash flows
• • Unusual fact: Large off-balance sheet credit commitments totaling $803.2M across varying maturities as of December 31, 2025

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
• • Operational risk: Nonperforming loans rose 74.4% to $52.8 million as of Dec 31, 2025, increasing management burden and credit loss risk
• • Competitive risk: Wealth management fees vulnerable to financial market declines and client asset withdrawals, exposing Old Second to market volatility
• • Financial risk: Loan portfolio concentrated 56.5% in real estate ($2.97 billion), exposing bank to collateral value declines and regulatory scrutiny

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
• • Best segment: Wealth management up 15.9% to $13.2M; Worst: residential mortgage banking revenue down 21.2% to $2.6M due to mark-to-market losses growing to $1.9M
• • Loans grew $1.27B or 31.9% to $5.25B mainly from Bancorp Financial acquisition; Deposits up 17.3% to $5.60B; Stockholders’ equity increased to $896.8M from $671.0M
• • Increased noninterest expense +27.7% to $204.0M driven by acquisition costs; Income tax expense $27.4M with effective rate 25.5%; Management notes credit quality challenges with nonperforming loans rising 74.4% to $52.8M

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 May 7, 2026, an 8-K current report on July 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 May 7, 2026. 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 July 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.