{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-24-000027","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2024-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.587238+00:00","generated_at":"2026-06-03T21:55:44.703724+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Old Second Q1 net income $21.3M ($0.47 EPS); QoQ up from $0.40, YoY down from $0.52","bullets":["Net income $21.3M, diluted EPS $0.47; adjusted EPS $0.47 (no adjustments). Q4: $18.2M, $0.40; Q1 2023: $23.6M, $0.52.","Net interest income $59.8M, down 2.4% QoQ and 6.7% YoY; NIM (GAAP) 4.55%.","Provision for credit losses $3.5M, down from $8.0M in Q4; nonperforming loans 1.6% of total loans ($65.1M).","Tangible book value $11.13, up 25% YoY; CET1 ratio 12.02% vs 9.91% year ago.","Dividend declared $0.05 per share, payable May 6, 2024 to holders of record April 26, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-24-000027","json":"https://secwatch.observer/filing/0000357173-24-000027.json","markdown":"https://secwatch.observer/filing/0000357173-24-000027.md","text":"https://secwatch.observer/filing/0000357173-24-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717324000027/0000357173-24-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717324000027/tmb-20240417x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T21:55:44.703724+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":"ab261e05a080f5c6eb462c4a946c416a1eaf7ebd","claim":"OLD SECOND BANCORP INC reported first quarter ended March 31, 2024 results: net income $21.3 million, EPS $0.47 per diluted share.","evidence_excerpt":"Old Second Bancorp, Inc. Reports First Quarter 2024 Net Income of $21.3 Million, or $0.47 per Diluted Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/357173/000035717324000027/0000357173-24-000027-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Net income","value":"$21.3 million"},{"label":"EPS","value":"$0.47 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"}