{"schema_version":"secwatch.filing_event.v1","accession":"0000357173-26-000042","form_type":"8-K","ticker":"OSBC","cik":"0000357173","company_name":"OLD SECOND BANCORP INC","filed_at":"2026-07-22T20:05:10+00:00","discovered_at":"2026-07-22T20:06:01.283937+00:00","generated_at":"2026-07-22T20:06:24.050902+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"low","headline":"Old Second Bancorp Q2 2026 loan portfolio: total loans $5.246B, ACL $70.4M, NCOs $9.2M","bullets":["Total loans outstanding $5,246M as of June 30, 2026; allowance for credit losses $70.4M (1.34% of loans).","Net charge-offs in Q2 2026 were $9.2M; TTM net charge-offs $30.1M (0.57% annualized).","Powersport portfolio had highest TTM NCO rate at 2.07%; commercial (incl. leases) NCOs $6.0M TTM.","Commercial RE investor office portfolio: $174M outstanding, 68% LTV, 1.39x DSCR.","Earnings press release (Exhibit 99.1) not provided; only loan portfolio disclosures available."],"urls":{"canonical":"https://secwatch.observer/filing/0000357173-26-000042","json":"https://secwatch.observer/filing/0000357173-26-000042.json","markdown":"https://secwatch.observer/filing/0000357173-26-000042.md","text":"https://secwatch.observer/filing/0000357173-26-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000042/0000357173-26-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/357173/000035717326000042/osbc-20260722x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:06:24.050902+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"}