Logotype for Old Second Bancorp Inc

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.
Logotype for Old Second Bancorp Inc
Q3 2025 earnings summary23 Oct, 2025

Executive summary

  • Net income for Q3 2025 was $9.9 million ($0.18 per diluted share) GAAP, down from $21.8 million in Q2 2025, mainly due to the Bancorp Financial acquisition; adjusted net income was $28.4 million ($0.53 per share) excluding acquisition-related items.

  • Results were significantly impacted by the July 1st acquisition of Bancorp Financial and Evergreen Bank Group, which added $1.19 billion in loans and $961.8 million in deposits.

  • 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, payable November 10, 2025.

Financial highlights

  • Net interest income rose to $83 million, up 29% sequentially and 37% year-over-year, with net interest margin (NIM) at 5.05%, up 20 bps from last quarter.

  • Provision for credit losses increased to $19.7 million, mainly due to acquisition-related adjustments.

  • Noninterest income was $13.1 million, up 20.3% sequentially and 23.9% year-over-year.

  • Efficiency ratio (tax equivalent, adjusted) improved to 52.1% from 54.54% last quarter; GAAP efficiency ratio was 64.46%.

  • Allowance for credit losses on loans increased to $75 million (1.43% of total loans).

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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Old Second Bancorp earnings date

Logotype for Old Second Bancorp Inc
Q4 202522 Jan, 2026
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Old Second Bancorp earnings date

Logotype for Old Second Bancorp Inc
Q4 202522 Jan, 2026

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage