{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-25-000088","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.755564+00:00","generated_at":"2026-05-17T02:52:31.527210+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"medium","headline":"Old Second Q3 loans surge to $5.27B on Evergreen acquisition; ACL rises to $75M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-25-000088","json":"https://secwatch.observer/filing/0000357173-25-000088.json","markdown":"https://secwatch.observer/filing/0000357173-25-000088.md","text":"https://secwatch.observer/filing/0000357173-25-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000088/0000357173-25-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717325000088/tmb-20251022x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:52:31.527210+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"}