{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-25-000073","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.074722+00:00","generated_at":"2026-05-18T03:47:19.141026+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 Q2 net income $21.8M, EPS $0.48; closed $1.4B Bancorp Financial merger","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-25-000073","json":"https://secwatch.observer/filing/0000357173-25-000073.json","markdown":"https://secwatch.observer/filing/0000357173-25-000073.md","text":"https://secwatch.observer/filing/0000357173-25-000073.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000073/0000357173-25-000073-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000073/tmb-20250723x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:47:19.141026+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"}