Old Second reports Q4 2025 loan portfolio: total loans $5.25B, ACL $72.3M, NCOs $5.98M

OLD SECOND BANCORP INC

2025-FY EPS reported $1.62

Total loans of $5,252M as of Dec 31, 2025; allowance for credit losses (ACL) of $72.3M, up from $43.6M at Dec 31, 2024.
Net charge-offs in Q4 2025 were $5,981K ($16,227K TTM); Powersport NCOs were $7,446K in Q4.
ACL increased due to $17.5M Day 1 credit mark and $13.2M Day 2 credit mark from Evergreen Bank Group acquisition.
Criticized loans ratio rose to ~3.2% of total loans from ~2.0% a year earlier; classified loans totaled $150M.
Commercial RE Investor portfolio LTV 54%, office CRE classified $3M with 3.37% allowance.

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