OSBC Old Second Bancorp (OSBC) Q3 FY26 earnings call
Old Second Bancorp delivered strong profitability metrics in Q3 FY26, driven by an exceptional net interest margin and effective capital deployment through share repurchases and a dividend increase. Despite a significant charge-off related to a specific commercial credit, overall asset quality showed marked improvement with substantial reductions in classified and criticized loans. Management is optimistic about future loan growth and continued strong performance, though the net interest margin is expected to slightly moderate in the near term.
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OSBC operating KPIs by quarter
| KPI | Jun 2026 Q2 FY26 | This call Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Return on tangible common equity (ROTCE) | 15.58%Second quarter 2026 return on average tangible common equity was 15.58%, and the tax equivalent efficiency ratio was 51.72%.Source: earnings call transcript | 15.77%Return on assets was 1.69% Third quarter 2026 return on average tangible common equity was 15.77% and the efficiency ratio was 52.34%.Source: earnings call transcript | +0.2 pt |
| Net interest margin | 5.23%Our financials reflect an exceptionally strong net interest margin of 5.23% for the second quarter.Source: earnings call transcript | 5.27%Our financials reflect an exceptionally strong net interest margin at 5.27% for the third quarter of 2026.Source: earnings call transcript | 0 pt |
| Loan-to-deposit ratio | 96.4%The loan-to-deposit ratio stands at 96.4% as of June 30 compared to 93.2% last quarter and 83.3% as of June 30, 2025.Source: earnings call transcript | 98.3%Loan-to-deposit ratio is now 98.3% at the end of the third quarter compared to 96.4% last quarter and 91.4% as of September 30, 2025.Source: earnings call transcript | +1.9 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.