Short answer
OLD SECOND BANCORP INC (OSBC) filed its Q3 2025 10-Q quarterly report on Nov 6, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $104M (up 36.8% year over year) with net income of $10M.
Q3 2025 key financials · XBRL
- Revenue
- $104M
- +36.8% YoY · +38.3% QoQ
- Net income
- $10M
- −57.0% YoY · −54.8% QoQ
- EPS (diluted)
- $0.15
- −70.0% YoY · −68.7% QoQ
Source: XBRL data from the OLD SECOND BANCORP INC (OSBC) Q3 2025 10-Q on SEC EDGAR. USD.
OLD SECOND BANCORP INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
- ACL on loans increased to $75M at Sept 30, 2025 from $44.4M Sept 30, 2024; coverage ratio improved to 156.4% from 85.0% YoY
- Total stockholders' equity $866.7M at Sept 30, 2025, up $195.7M from Dec 31, 2024, mainly due to acquisition and $51.5M net income
- Cash increased to $116.5M at Sept 30, 2025 from $99.3M Dec 31, 2024; operating cash inflow $78M for nine months 2025 vs $107.5M prior year
- Regulatory capital ratios strong: CET1 12.44%, total risk-based capital 15.1%, well above minimum requirements
- Management cautious on future credit losses; notes economic volatility risks from inflation, tariffs, conflicts in Ukraine and Middle East
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
- Potential regulatory risk from heightened scrutiny linked to rapid growth and concentration in powersports loan segment
- Market risk from exposure to economic stress affecting powersports loan performance and collateral liquidation challenges
- Concentration risk rising with powersports portfolio growth, increasing vulnerability to sector-specific downturns
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
Other OLD SECOND BANCORP INC quarterly reports
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