---
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"
generated_at: "2026-05-23T08:30:36.180025+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-25-000032
- JSON: https://secwatch.observer/filing/0000357173-25-000032.json
- Plain text: https://secwatch.observer/filing/0000357173-25-000032.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.