---
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"
generated_at: "2026-07-22T20:06:24.050902+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "low"
source: SEC EDGAR
---

# Old Second Bancorp Q2 2026 loan portfolio: total loans $5.246B, ACL $70.4M, NCOs $9.2M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: low
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000357173-26-000042
- JSON: https://secwatch.observer/filing/0000357173-26-000042.json
- Plain text: https://secwatch.observer/filing/0000357173-26-000042.txt

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