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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.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.
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