Old Second reports Q1 2025 net income of $19.8M ($0.43 EPS); net interest margin expands to 4.88%

OLD SECOND BANCORP INC

2025-Q1 EPS reported $0.43

Net income $19.8M ($0.43 diluted EPS) vs $19.1M ($0.42) in Q4 2024 and $21.3M ($0.47) in Q1 2024.
Net interest margin (TE) rose to 4.88% from 4.68% Q4 and 4.58% Q1 2024; net interest income $62.9M.
Provision for credit losses fell to $2.4M from $3.5M Q4; total loans down to $3.94B.
Tangible book value per share $12.88, up from $12.38 Q4; TCE/TA ratio 10.34%.
Noninterest expense $44.5M, up 16.4% YoY; noninterest income down 2.9% YoY to $10.2M.

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