Old Second Bancorp, Inc.

Old Second Bancorp, Inc.

OSBCยทNASDAQ

$20.70

-3.1%
Financial ServicesBanks - Regional

Old Second Bancorp, Inc. operates as the bank holding company for Old Second National Bank that provides community banking services. It provides demand, NOW, money market, savings, time deposit, individual retirement, and checking accounts, as well as certificate of deposit accounts. The company also offers commercial loans; lease financing receivables; commercial real estate loans; construction loans; residential real estate loans, such as residential first mortgage and second mortgage loans; home equity line of credit; consumer loans, including motor vehicle, home improvement, and signature loans; installment and agricultural loans; residential mortgages; and overdraft checking. Further, it provides safe deposit services; trust and wealth management services; and money orders, cashier's checks, foreign currency, direct deposits, discount brokerage, debit and credit cards, and other services, as well as acquires the U.S. treasury notes and bonds. In addition, the company offers online and mobile banking; corporate cash management products, including remote and mobile deposits capture, investment sweep accounts, zero balance accounts, automated tax payments, automatic teller machines access, telephone banking, lockbox accounts, automated clearing house transactions, account reconciliation, controlled disbursement, detail and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin; and investment, agency, and custodial services for individual, corporate, and not-for-profit clients. It operates through 63 banking centers in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties in Illinois. Old Second Bancorp, Inc. was incorporated in 1981 and is headquartered in Aurora, Illinois.

At a Glance

Live Snapshot
Market Cap$1.06B
EPS1.6400
P/E Ratio12.62
Earnings Date07/22/2026
3Y+17.0%
5Y+127.0%
10Y+207.0%
3Y+11.0%
5Y+120.0%
10Y+189.0%
3Y+94.0%
5Y+192.0%
10Y+412.0%
osbc

Old Second Bancorp, Inc. Funding & Solvency Profile

OSBC ยท NASDAQ
Cash & Cash Equivalents124.03M
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets196 M
Property, Plant & Equipment86.64M
Goodwill & Intangible Assets152.89M
Long-Term Investments1.09B
Other Non-Current Assets0.00
Total Non-Current Assets1 B
Total Assets
6.90B

Financial Health Analysis

Current Ratio

0.10x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.70x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1781501000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Old Second Bancorp, Inc. Balance Sheet

OSBC โ€ข NASDAQ

Old Second Bancorp, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
124M
99.3M
100.1M
115.2M
752.1M
329.9M
50.6M
55.2M
55.8M
47.3M
40.3M
44.2M
47.7M
128.5M
50.9M
98.1M
78.3M
66.9M
61.2M
86.2M
72.4M
1.2B
1.2B
1.5B
1.7B
496.2M
484.6M
541.2M
541.4M
531.8M
456.1M
385.5M
372.2M
579.9M
307.6M
0.0
0.0
0.0
0.0
0.0
196.4M
1.3B
1.3B
1.7B
2.4B
826.1M
535.3M
596.5M
597.3M
579.2M
496.4M
429.7M
419.9M
708.4M
358.5M
98.1M
78.3M
66.9M
61.2M
86.2M
0.0
489.6M
395.3M
274.5M
172.6M
137.7M
119.8M
78.8M
68.3M
55.5M
0.0
0.0
0.0
0.0
0.0
47.7M
106.7M
44.9M
32M
29.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
47.7M
106.7M
44.9M
32M
29.8M
0.0
489.6M
395.3M
274.5M
172.6M
137.7M
119.8M
78.8M
68.3M
55.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
196.4M
1.8B
1.7B
1.9B
2.6B
963.8M
655M
675.3M
665.6M
634.6M
496.4M
429.7M
419.9M
708.4M
358.5M
145.8M
185M
111.8M
93.2M
116M
NON-CURRENT ASSETS
86.6M
87.3M
79.3M
72.4M
88M
45.5M
44.4M
42.4M
37.6M
39M
39.6M
42.3M
46M
47M
50.5M
54.6M
58.4M
62.5M
49.7M
48.4M
129.2M
93.3M
86.5M
86.5M
86.3M
18.6M
21.3M
21.8M
8.9M
9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
59M
0.0
0.0
23.7M
32.4M
21.6M
24.9M
23.4M
6.4M
5.9M
7.4M
6.9M
6.5M
5.8M
5.5M
7M
7.4M
8.2M
9.4M
9.1M
9.2M
32M
29.8M
152.9M
125.7M
108M
111.3M
109.7M
25M
27.2M
29.2M
15.9M
15.5M
5.8M
5.5M
7M
7.4M
8.2M
9.4M
9.1M
68.2M
4.6M
5M
1.1B
3.4B
3.6B
3.5B
3.2B
1.9B
1.8B
1.8B
1.5B
1.4B
1.4B
1.4B
1.3B
1.1B
1.3B
1.8B
2.2B
2.7B
2.5B
2.2B
31.3M
26.6M
31.1M
44.8M
6.1M
8.1M
11.5M
21.3M
25.4M
53.5M
64.6M
70.1M
75.3M
928K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
209.5M
211.4M
184.7M
181.4M
122.5M
103.2M
105.6M
103.1M
96.5M
102.5M
111.7M
121.5M
161.1M
194.5M
141M
105M
82.5M
59.3M
54.7M
1.4B
3.9B
4B
4B
3.6B
2.1B
2B
2B
1.7B
1.6B
1.6B
1.6B
1.6B
1.3B
1.6B
2B
2.4B
2.9B
2.6B
2.3B
5.3B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.9B
5.6B
5.7B
5.9B
6.2B
3B
2.6B
2.7B
2.4B
2.3B
2.1B
2.1B
2B
2B
1.9B
2.1B
2.6B
3B
2.7B
2.5B
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
21.4M
15.9M
33.2M
17.9M
24.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
21.4M
15.9M
33.2M
17.9M
24.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15.9M
33.2M
0.0
0.0
238.8M
56.7M
431.5M
122.2M
50.3M
67M
97.2M
196.1M
144.9M
95.7M
49.1M
66M
27.6M
117.9M
901K
6.2M
73.4M
244.6M
301.2M
165.3M
1.7B
4.8B
4.6B
5.1B
5.5B
2.5B
2.1B
2.1B
1.9B
1.9B
1.8B
1.7B
1.7B
1.7B
1.7B
1.9B
2.2B
2.4B
2.1B
2.1B
2B
4.8B
5B
5.2B
5.5B
2.6B
2.2B
2.3B
2.1B
2B
1.8B
1.8B
1.7B
1.8B
1.7B
1.9B
2.3B
2.7B
2.4B
2.3B
NON-CURRENT LIABILITIES
100.2M
85.2M
85.2M
138.7M
148.5M
93.5M
108.7M
117.2M
101.7M
101.6M
103M
103.9M
103.9M
103.9M
103.9M
103.9M
103.9M
103.4M
76M
48.1M
3.9B
67.7M
58.1M
55.6M
45.1M
36.2M
25.1M
16.9M
13.5M
11.9M
9.9M
12.7M
42.8M
34.3M
21.9M
0.0
-15.9M
-10M
0.0
0.0
4B
153M
143.3M
194.3M
193.6M
129.7M
133.7M
134.1M
115.2M
113.5M
112.9M
116.5M
146.7M
138.2M
125.7M
103.9M
88M
93.4M
76M
48.1M
6B
5B
5.1B
5.4B
5.7B
2.7B
2.4B
2.4B
2.2B
2.1B
1.9B
1.9B
1.9B
2B
1.9B
2B
2.4B
2.8B
2.5B
2.3B
SHAREHOLDERS' EQUITY
-6.2M
-575K
-177K
-3.2M
-5.9M
-101.4M
-95.9M
-96.1M
-96.5M
-96.2M
-96M
-95.8M
-95.8M
-95M
-94.9M
-94.8M
-94.8M
-94.8M
-94.8M
-63.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
47.3M
72.9M
71.9M
70.9M
69.9M
69M
0.0
0.0
0.0
53M
44.9M
44.7M
44.7M
44.7M
35M
34.9M
34.7M
34.6M
34.5M
34.4M
34.4M
18.8M
18.7M
18.6M
18.5M
18.4M
18.3M
16.7M
16.6M
341.5M
205.3M
202.2M
202.3M
202.4M
122.2M
120.7M
119.1M
117.7M
116.7M
115.9M
115.3M
66.2M
66.2M
66M
65.2M
64.4M
58.7M
16.1M
14.8M
537.2M
469.2M
393.3M
310.5M
252M
236.6M
213.7M
175.5M
143M
129M
114.2M
100.7M
92.5M
12M
17.1M
28.3M
141.8M
213M
209.9M
193.2M
-28.7M
-47.7M
-62.8M
-93.1M
8.8M
14.8M
4.6M
-4.1M
1.5M
-8.8M
-12.7M
-7.7M
-7M
-1.3M
-3.7M
-3.1M
-1.6M
-2.1M
2M
-2.5M
896.8M
671M
577.3M
461.1M
502M
307.1M
277.9M
229.1M
200.4M
175.2M
155.9M
194.2M
147.7M
72.6M
74M
84M
197.2M
193.1M
149.9M
158.6M
896.8M
671M
577.3M
461.1M
502M
307.1M
277.9M
229.1M
200.4M
175.2M
155.9M
194.2M
147.7M
72.6M
74M
84M
197.2M
193.1M
149.9M
158.6M
SUMMARY
6.9B
5.6B
5.7B
5.9B
6.2B
3B
2.6B
2.7B
2.4B
2.3B
2.1B
2.1B
2B
2B
1.9B
2.1B
2.6B
3B
2.7B
2.5B
1.2B
4.6B
4.8B
5.1B
4.9B
2.4B
2.3B
2.3B
2.1B
1.9B
1.8B
1.8B
1.7B
1.7B
1.6B
1.8B
2.2B
2.7B
2.5B
2.2B
338.9M
141.9M
516.6M
260.8M
198.9M
160.5M
205.9M
313.4M
246.6M
197.3M
152.1M
169.9M
131.4M
221.8M
103.9M
110M
177.3M
348M
377.2M
213.4M
214.9M
42.6M
416.5M
145.6M
-553.2M
-169.4M
155.2M
258.1M
190.8M
150M
111.8M
125.7M
83.8M
93.2M
53.8M
12M
99M
281.1M
316M
127.1M
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767
52,654,767

SEC Filings

OSBC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

May 19, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 22, 2026
2026
8-K

8-K 2026

N/A

April 21, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 06, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

April 01, 2026
April 01, 2026
2026
8-K

8-K 2026

N/A

March 04, 2026
March 04, 2026
2026
10-K

10-K 2025 FY

FY

February 26, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
Showing 1 to 10 of 572 filings