{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-23-000018","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2023-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.820654+00:00","generated_at":"2026-06-16T23:58:21.299533+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Old Second Q1 net income $23.6M ($0.52/sh), NIM 4.74%; loan growth 3.5%; NPLs rise to 1.6%","bullets":["Net income $23.6M, diluted EPS $0.52 (flat QoQ; up from $0.27 YoY). Adjusted EPS also $0.52.","Net interest margin (TE) 4.74% (+11bps QoQ, +186bps YoY); net interest income $64.1M (+55.4% YoY).","Total loans $4.00B (+3.5% QoQ); nonperforming loans $64.5M (1.6% of loans) vs $32.9M (0.9%) Q4 2022.","Noninterest expense down 9.5% QoQ to $35.9M; efficiency ratio improved to 47.52% from 52.44%.","Dividends declared $0.05/sh payable May 8; tangible common equity ratio improved to 6.83%."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-23-000018","json":"https://secwatch.observer/filing/0000357173-23-000018.json","markdown":"https://secwatch.observer/filing/0000357173-23-000018.md","text":"https://secwatch.observer/filing/0000357173-23-000018.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717323000018/0000357173-23-000018-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717323000018/tmb-20230419x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:58:21.299533+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ed81699da90b31dd08768dd9cf49cf0af164a5e7","claim":"OLD SECOND BANCORP INC reported first quarter ended March 31, 2023 results: net income Net income of $23.6 Million, EPS $0.52 per Diluted Share.","evidence_excerpt":"Old Second Bancorp, Inc. Reports First Quarter 2023 Net Income of $23.6 Million, or $0.52 per Diluted Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/357173/000035717323000018/0000357173-23-000018-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2023"},{"label":"Net income","value":"Net income of $23.6 Million"},{"label":"EPS","value":"$0.52 per Diluted Share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}