{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-26-000010","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.390014+00:00","generated_at":"2026-05-16T09:22:44.658509+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"medium","headline":"Old Second reports Q4 2025 loan portfolio: total loans $5.25B, ACL $72.3M, NCOs $5.98M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-26-000010","json":"https://secwatch.observer/filing/0000357173-26-000010.json","markdown":"https://secwatch.observer/filing/0000357173-26-000010.md","text":"https://secwatch.observer/filing/0000357173-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000010/0000357173-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000010/osbc-20260121x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:22:44.658509+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"}