Old Second Bancorp (OSBC) earnings

OLD SECOND BANCORP INC· Financials

Results to: Jun 2026
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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Old Second Bancorp earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Jun 2026	Not in the filed figures for the quarter to jun 2026. No older figure is substituted.
Net profit	28.2 $ million	+29.1% YoY	Quarterly, as filed	Quarter to Jun 2026	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Jun 2026

Price

$24.43 −1.13% · −$0.28

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +36.1% 1Y

1Y: $17.95 on 22 Oct 2025 → $24.43. High $25.91 (14 Aug 2026), low $17.67 (17 Nov 2025).

Previous close: $24.71
52-week range: $17.67 – $25.91
One year: +36.79%

Overview

Symbol: OSBC
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +29% (quarter to jun 2026 against jun 2025).

In $ million. Oldest period first.

Line item	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Interest	15	14	11	—	—	—	—	—
Profit before tax	30	25	26	29	13	39	34	38
Tax rate	23.1%	24.7%	24.3%	25.3%	24.5%	26.7%	24.9%	25.5%
Net profit	23	19	20	22	10	29	26	28
EPS ($ per share)	0.52	—	0.44	0.49	0.19	—	0.49	0.55

Source: Inve data · income statement, quarterly · to Jun 2026

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	35	35	35	45	45	45	45	53
Reserves	175	214	237	252	311	393	469	537
Total liabilities	2,447	2,358	2,734	5,710	5,427	5,146	4,978	6,006
Fixed assets	42	44	45	88	72	79	87	87
Total assets	2,676	2,636	3,041	6,212	5,888	5,723	5,649	6,903

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	55	53	26	31	97	116	132	122
Cash from investing	-26	42	-104	133	-433	162	323	160
Cash from financing	-30	-99	357	258	-301	-293	-455	-257
Net cash flow	-1	-5	279	422	-637	-15	-1	25
Capital expenditure	-2	-4	-4	-2	-4	-12	-11	-5
Free cash flow	53	48	22	29	93	104	121	118

Source: Inve data · cash flow · to Dec 2025

OSBC operating KPIs by quarter

OSBC operating KPIs stated on its earnings calls, by fiscal quarter
KPI	Jun 2026 Q2 FY26	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.

Insider filings

104 filings between Oct 30, 2025 and Sep 30, 2026.

Open market

decisions to buy or sell

Purchases

$502

1 purchase by 1 insider

Sales

$8.34M

22 sales by 7 insiders

9% filed under a 10b5-1 plan — scheduled in advance, not decided on the day

Compensation

not trading decisions

24: Award — granted as compensation
10: Tax withheld — shares kept back by the company to cover tax

Also filed: 43 other filings, 4 L filings.

Who traded

open market only

Insider	Bought	Sold	Last filing
Campbell Darin Patrick	—	$2.39M	Sep 2, 2026
Eccher James	—	$1.91M	Aug 12, 2026
COLLINS GARY S	—	$1.59M	Sep 23, 2026
MCLEAN HUGH H	—	$1.28M	Sep 8, 2026
Ladowicz John	—	$599.7K	Jan 15, 2026
Pilmer Donald	—	$518.8K	May 11, 2026
Gartelmann Richard A JR	—	$42.0K	Feb 5, 2026
Lyons Billy J Jr.	$502	—	May 11, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 30, 2026	ADAMS BRADLEY S. CFO & COO	Other	28	$0
Sep 30, 2026	Eccher James CHAIRMAN AND CEO	Other	17	$0
Sep 30, 2026	Eccher James CHAIRMAN AND CEO	Other	92	$0
Sep 30, 2026	Gartelmann Richard A JR EVP	Other	35	$0
Sep 30, 2026	COLLINS GARY S VICE CHAIRMAN	Other	30	$0
Sep 30, 2026	Pilmer Donald EVP	Other	11	$0
Sep 23, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	16,000	$395.1K
Sep 8, 2026	MCLEAN HUGH H Director	Sale	25,000	$640.8K
Sep 4, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	5,000	$128.5K
Sep 3, 2026	MCLEAN HUGH H Director	Sale	25,000	$643.2K
Sep 2, 2026	Campbell Darin Patrick President, Powersports Lending	Sale	24,000	$612.8K
Aug 12, 2026	Eccher James CHAIRMAN AND CEO	Sale 10b5-1 plan	19,313	$494.7K
Aug 11, 2026	Eccher James CHAIRMAN AND CEO	Sale 10b5-1 plan	55,687	$1.42M
Aug 10, 2026	YORK JILL E Director	Code L	12	$302
Aug 10, 2026	Lyons Billy J Jr. Director	Award	20	$508
Jun 30, 2026	Eccher James CHAIRMAN AND CEO	Other	111	$0
Jun 30, 2026	Eccher James CHAIRMAN AND CEO	Other	21	$0
Jun 30, 2026	COLLINS GARY S VICE CHAIRMAN	Other	37	$0
Jun 30, 2026	Pilmer Donald EVP	Other	14	$0
Jun 30, 2026	Pilmer Donald EVP	Other	1	$0
Jun 30, 2026	ADAMS BRADLEY S. CFO & COO	Other	34	$0
Jun 30, 2026	Gartelmann Richard A JR EVP	Other	42	$0
May 22, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	5,120	$108.1K
May 21, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	10,000	$211.2K
May 11, 2026	YORK JILL E Director	Code L	14	$300
May 11, 2026	Lyons Billy J Jr. Director	Purchase	24	$502
May 11, 2026	Pilmer Donald EVP	Sale	25,000	$518.8K
May 8, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	5,000	$106.1K
May 8, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	10,000	$212.4K
Mar 31, 2026	Gartelmann Richard A JR EVP	Other	43	$0
Mar 31, 2026	COLLINS GARY S VICE CHAIRMAN	Other	253	$0
Mar 31, 2026	Pilmer Donald EVP	Other	1	$0
Mar 31, 2026	Pilmer Donald EVP	Other	13	$0
Mar 31, 2026	ADAMS BRADLEY S. CFO & COO	Other	35	$0
Mar 31, 2026	Eccher James CHAIRMAN AND CEO	Other	22	$0
Mar 31, 2026	Eccher James CHAIRMAN AND CEO	Other	369	$0
Mar 20, 2026	COLLINS GARY S VICE CHAIRMAN	Sale	22,154	$429.4K
Mar 2, 2026	ADAMS BRADLEY S. CFO & COO	Award	15,657	$0
Mar 2, 2026	Eccher James CHAIRMAN AND CEO	Tax withheld	12,838	$255.6K
Mar 2, 2026	Eccher James CHAIRMAN AND CEO	Award	43,818	$0
Mar 2, 2026	COLLINS GARY S VICE CHAIRMAN	Tax withheld	4,228	$84.2K
Mar 2, 2026	Pilmer Donald EVP	Award	9,201	$0
Mar 2, 2026	ADAMS BRADLEY S. CFO & COO	Tax withheld	4,587	$91.3K
Mar 2, 2026	Gartelmann Richard A JR EVP	Tax withheld	1,537	$30.6K
Mar 2, 2026	COLLINS GARY S VICE CHAIRMAN	Award	14,432	$0
Mar 2, 2026	Gartelmann Richard A JR EVP	Award	4,523	$0
Mar 2, 2026	Pilmer Donald EVP	Tax withheld	2,720	$54.2K
Feb 21, 2026	YORK JILL E Director	Other	3,077	$0
Feb 21, 2026	Williams John JR Director	Other	3,077	$0
Feb 21, 2026	YORK JILL E Director	Other	3,077	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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