---
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"
generated_at: "2026-05-16T09:22:44.658509+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "medium"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: medium
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-26-000010
- JSON: https://secwatch.observer/filing/0000357173-26-000010.json
- Plain text: https://secwatch.observer/filing/0000357173-26-000010.txt

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