---
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"
generated_at: "2026-05-17T02:52:31.527210+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "medium"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: medium
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-25-000088
- JSON: https://secwatch.observer/filing/0000357173-25-000088.json
- Plain text: https://secwatch.observer/filing/0000357173-25-000088.txt

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