Old Second Q3 loans surge to $5.27B on Evergreen acquisition; ACL rises to $75M

OLD SECOND BANCORP INC

2025-Q3 EPS reported $1.06

Total loans $5,265M at 9/30/2025, up 32% from $3,999M at 6/30/2025, primarily due to Evergreen Bank Group acquisition.
Allowance for credit losses increased to $75.0M from $43.0M; included $30.7M in Day 1 credit marks (PCD $17.5M, non-PCD $13.2M).
Net charge-offs in Q3 2025 were $5.1M, up from $0.8M in Q2 2025; TTM NCO ratio 0.33%.
Powersport segment had $3.0M net charge-offs in Q3, commercial (incl. leases) $1.2M; overall credit quality weakening.
Loan portfolio: 92% organic, 8% purchased; CRE investor $1,257M (1.65% ACL); criticized loans 1.43% of total.

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