Old Second Q2 net income $21.8M, EPS $0.48; closed $1.4B Bancorp Financial merger

OLD SECOND BANCORP INC

2025-Q2 EPS reported $0.91

Q2 2025 net income of $21.8M ($0.48 diluted EPS) vs $19.8M ($0.43) in Q1 and $21.9M ($0.48) in Q2 2024.
Adjusted net income (non-GAAP) of $22.8M ($0.50 EPS) vs $20.6M ($0.45) Q1 and $21.2M ($0.46) Q2 2024.
Net interest margin (tax-equivalent) 4.85%; net interest income up 7.6% YoY to $64.2M.
Nonperforming loans fell to 0.8% of total loans; tangible book value per share rose to $13.44.
On July 1, 2025, closed acquisition of Bancorp Financial (Evergreen Bank), a $1.4B bank holding company.

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