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Old Second Bancorp (OSBC) investor relations material
Old Second Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $21.8M ($0.48 per diluted share), flat year-over-year, with strong profitability despite merger-related and MSR mark-to-market charges.
Adjusted net income (non-GAAP) for Q2 2025 was $22.8M, up from $21.2M in Q2 2024, excluding nonrecurring items.
Evergreen Bank and Bancorp Financial, Inc. acquisitions closed July 1, 2025, with integration underway and initial performance exceeding expectations.
Book value and tangible equity ratio continued to improve, reflecting robust capital generation.
Completed acquisition of five Illinois branches from First Merchants Bank in December 2024.
Financial highlights
Net interest and dividend income rose to $64.2M in Q2 2025, up 2.1% sequentially and nearly 8% year-over-year.
Efficiency ratio (tax equivalent, adjusted) improved to 54.54% from 55.48% last quarter; GAAP efficiency ratio was 55.99%.
Allowance for credit losses on loans was 1.08% at June 30, 2025, up from 1.05% last quarter.
Noninterest expense increased 14.6% year-over-year to $43.4M, mainly due to higher salaries, benefits, and acquisition-related costs.
Provision for credit losses was $2.2M–$2.5M in Q2 2025, down from $3.8M a year ago.
Outlook and guidance
Management expects Q3 to be impacted by acquisition-related expenses but remains optimistic for the remainder of 2025.
Margin expected to remain strong and stable, with a long-term margin floor now seen at 4.25%.
ROA is expected to remain above 1.50% post-integration, assuming a stable rate environment.
Loan growth anticipated in Q3, with stabilization in Q4 and Q1 next year.
The company remains well-capitalized and positioned to navigate uncertain macroeconomic conditions.
Explain drivers of nonperforming loan decrease.
Detail the impact of FRME time deposit run-off.
Assess Bancorp Financial merger's lending impact.
How will Evergreen Bank impact future charge-offs?
When is the expected Evergreen conversion timing?
What's the outlook for ROA after Evergreen integration?
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Next Old Second Bancorp earnings date
Q3 202523 Oct, 2025
Next Old Second Bancorp earnings date
Q3 202523 Oct, 2025
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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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