secwatch.observer — SEC 8-K summary
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Issuer:     OLD SECOND BANCORP INC (OSBC)
CIK:        0000357173
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0000357173-26-000010
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/357173/000035717326000010/0000357173-26-000010-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/357173/000035717326000010/osbc-20260121x8k.htm
  HTML page:      https://secwatch.observer/filing/0000357173-26-000010

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