---
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"
generated_at: "2026-05-18T03:47:19.141026+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/357173/000035717325000073/0000357173-25-000073-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/357173/000035717325000073/tmb-20250723x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-25-000073
- JSON: https://secwatch.observer/filing/0000357173-25-000073.json
- Plain text: https://secwatch.observer/filing/0000357173-25-000073.txt

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