OSBC OLD SECOND BANCORP INC
Q3 2025 10-Q
OLD SECOND BANCORP INC (OSBC) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 6, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ3 2025 10-Q
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
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