{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-26-000020","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.581268+00:00","generated_at":"2026-05-15T04:57:36.807046+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"medium","headline":"Old Second Bancorp Q1 2026 loan charge-offs rise to $9.8M; ACL at $72.1M","bullets":["Total loans $5.185B as of 3/31/26, down from $5.252B at 12/31/25.","Allowance for credit losses (ACL) $72.1M, provision expense $9.6M in Q1.","Net charge-offs of $9.78M in Q1 2026, up from $5.98M in Q4 2025.","Powersport segment net charge-offs $11.34M in Q1; CRE investor $3.93M.","Criticized loans ratio improved to 4.5% of total loans from 8.0% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-26-000020","json":"https://secwatch.observer/filing/0000357173-26-000020.json","markdown":"https://secwatch.observer/filing/0000357173-26-000020.md","text":"https://secwatch.observer/filing/0000357173-26-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000020/0000357173-26-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000020/osbc-20260422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:57:36.807046+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":[{"claim_id":"748a3f8fff7849de354dd14f7a22d5e1a2ab824f","claim":"OLD SECOND BANCORP INC reported financial results for first quarter ended March 31, 2026.","evidence_excerpt":"On April 22, 2026, Old Second Bancorp, Inc. (the “Company’s”) issued a press release announcing its financial results for the first quarter ended March 31, 2026, along with certain other financial information.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000020/0000357173-26-000020-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2026"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}