{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-25-000032","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.958024+00:00","generated_at":"2026-05-23T08:30:36.180025+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Old Second reports Q1 2025 net income of $19.8M ($0.43 EPS); net interest margin expands to 4.88%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-25-000032","json":"https://secwatch.observer/filing/0000357173-25-000032.json","markdown":"https://secwatch.observer/filing/0000357173-25-000032.md","text":"https://secwatch.observer/filing/0000357173-25-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000032/0000357173-25-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000032/tmb-20250423x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T08:30:36.180025+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}