---
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"
generated_at: "2026-05-15T04:57:36.807046+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "medium"
source: SEC EDGAR
---

# Old Second Bancorp Q1 2026 loan charge-offs rise to $9.8M; ACL at $72.1M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: medium
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-26-000020
- JSON: https://secwatch.observer/filing/0000357173-26-000020.json
- Plain text: https://secwatch.observer/filing/0000357173-26-000020.txt

## Key facts
- Earnings Releases
  OLD SECOND BANCORP INC reported financial results for first quarter ended March 31, 2026.
  - Period: first quarter ended March 31, 2026
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/357173/000035717326000020/0000357173-26-000020-index.htm

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