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OLD SECOND BANCORP INC (OSBC) filed an 8-K current report with the SEC on April 22, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Q1 2026 results covered quarter ended March 31, 2026.
OLD SECOND BANCORP INC 8-K event analysis
AI summary of each reported item and its exhibits
Item 2.02 · Results of Operations and Financial Condition
- Q1 2026 results covered quarter ended March 31, 2026
- Press release and loan portfolio disclosures filed as Exhibits 99.1 and 99.2
- Investors should review exhibits for earnings, credit quality, and loan-growth details
Item EX-99.1 · Exhibit EX-99.1
- First-quarter net income $25.6M, or $0.48 diluted EPS, down from $28.8M and $0.54 in Q4 2025
- Net interest margin rose 5 basis points to 5.14%, while net interest income declined 2.30% to $81.1M
- Credit costs increased to $9.5M from $3.0M, with nonperforming loans rising to $75.5M, or 1.46% of loans
- Operating efficiency improved to 52.40% as noninterest expense fell 5.15% to $50.2M
- Capital actions: $23.1M spent repurchasing 1.2M shares, $30M subordinated debt repayment, and $0.07 quarterly dividend payable May 11
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