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Old Second Bancorp (OSBC) investor relations material
Old Second Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $9.9 million ($0.18 per diluted share), down from $23.0 million in Q3 2024, mainly due to acquisition-related costs and purchase accounting adjustments; adjusted net income was $28.4 million ($0.53 per share), up from $24.0 million in Q3 2024, excluding acquisition-related items.
Completed the acquisition of Bancorp Financial and Evergreen Bank Group on July 1, 2025, adding $1.43 billion in assets, $1.19 billion in loans, and $1.23 billion in deposits, and expanding into new markets and product lines.
Tangible book value per share increased, and tangible equity ratio declined only modestly post-acquisition.
Announced a 17% increase in the quarterly dividend to $0.07 per share.
Financial highlights
Net interest and dividend income rose to $83 million, up 29% sequentially and 37% year-over-year, driven by acquisitions and organic loan growth.
Net interest margin (NIM) was 5.05% (tax-equivalent), up from 4.85% in Q2 2025 and 4.64% in Q3 2024.
Noninterest income increased 23.9% year-over-year to $13.1 million, with gains in wealth management, BOLI, and mortgage banking revenue.
Noninterest expense surged 60.7% to $63.2 million, mainly due to $11.8 million in acquisition costs and higher salaries, benefits, and technology expenses.
Provision for credit losses was $19.7 million in Q3 2025, up from $2.0 million in Q3 2024, reflecting acquisition-related adjustments and higher charge-offs in the powersport and lease portfolios.
Outlook and guidance
Core expense growth expected to be around 4% into 2026, excluding Evergreen impacts.
Margin expected to remain strong even with potential Fed rate cuts; NIM not expected to fall below 4.50% at a 3% Fed funds rate.
Low to mid-single-digit loan growth anticipated heading into 2026.
Reserve levels for credit losses expected to remain elevated around $140 million due to PowerSport portfolio characteristics.
Management expects continued strong core profitability and operational efficiencies from the Bancorp Financial integration.
Bancorp acquisition's earnings accretion.
Powersport and lease portfolio credit trends?
Bancorp acquisition's impact on deposit costs?
What is the expected NIM floor at 3% Fed funds?
Powersport net contribution margin outlook?
M&A vs. buyback priority given capital readiness?
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Next Old Second Bancorp earnings date
Q4 202522 Jan, 2026
Next Old Second Bancorp earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Old Second Bancorp Inc is a bank holding company providing a range of commercial and retail banking services through its subsidiary, Old Second National Bank. The company offers deposit products, loans, trust and wealth management services primarily in the Chicago metropolitan area. It serves both individual and business clients through branch locations and digital banking. Old Second Bancorp Inc is headquartered in Aurora, Illinois, and its shares are listed on the NASDAQ.
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