secwatch.observer — SEC 8-K summary
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Issuer:     OLD SECOND BANCORP INC (OSBC)
CIK:        0000357173
Form:       8-K
Filed at:   2026-07-22T20:05:10+00:00
Accession:  0000357173-26-000042
Event type: earnings
Sentiment:  neutral
Materiality: 0.50
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/357173/000035717326000042/0000357173-26-000042-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/357173/000035717326000042/osbc-20260722x8k.htm
  HTML page:      https://secwatch.observer/filing/0000357173-26-000042

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