EX-99.1 2 osbc-20260422xex99d1.htm EX-99.1 Old Second Bancorp, Inc (NASDAQ:OSBC) Exhibit 99.1 Contact: Bradley S. Adams For Immediate Release Chief Financial Officer April 22, 2026 ───────────────────────────────────────────────────────────────────────── (630) 906-5484 Old Second Bancorp, Inc. Reports First Quarter 2026 Net Income of $25.6 Million, or $0.48 per Diluted Share AURORA, IL, April 22, 2026 - Old Second Bancorp, Inc. (the “Company,” “Old Second,” “we,” “us,” and “our”) (NASDAQ: OSBC), the parent company of Old Second National Bank (the “Bank”), today announced financial results for the first quarter of 2026. Our net income was $25.6 million, or $0.48 per diluted share, for the first quarter of 2026, compared to net income of $28.8 million, or $0.54 per diluted share, for the fourth quarter of 2025. Adjusted net income1 was $26.0 million, or adjusted diluted earnings per share1 of $0.49, for the first quarter of 2026, compared to adjusted net income1 of $30.8 million, or adjusted diluted earnings per share1 of $0.58, for the fourth quarter of 2025. Notable …
Open exhibit ↗Current Report · Items 2.02, 9.01 · 8-K
Old Second Bancorp, Inc.
OSBCNASDAQEQUITYCurrent
Results of Operations and Financial Condition
Item 2.02 Results of Operations and Financial Condition On April 22, 2026, Old Second Bancorp, Inc. (the “Company’s”) issued a press release announcing its financial results for the first quarter ended March 31, 2026, along with certain other financial information. Copies of the Company’s press release and loan portfolio disclosures are attached as Exhibits 99.1 and 99.2, respectively.
Company context
Old Second Bancorp, Inc., is a financial services company with its main headquarters located in Aurora, Illinois. The Company is the holding company of Old Second National Bank (the “Bank”), a national banking organization headquartered in Aurora, Illinois that provides commercial and retail banking services, as well as a full complement of trust and wealth management services. The Company has offices located in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle and Will counties in Illinois.
Current securities
Disclosure sections
Item 2.02Item 2.02 - Results of Operations
Filed exhibits (2)
EX-99.2 3 osbc-20260422xex99d2.htm EX-99.2 1 Loan Portfolio Disclosures AS OF MARCH 31, 2026 Exhibit 99.2 2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,384 $53 1.07% Commercial Real Estate Investor $1,169 $15 1.77% Commercial Real Estate Owner Occ. $703 $61 0.69% Construction $144 $13 0.83% Residential Real Estate $309 $3 0.87% Multifamily $357 $2 0.45% HELOC $236 $2 1.51% Powersport $674 - 2.52% Other $209 - 2.27% Total $5,185 $149 1.39% Construction 3% Commercial RE Investor 22% Commercial RE Owner Occ. 14% Commercial (inc. Leases) 27% Multifamily 7% Residential Real Estate 6% HELOC 4% Other (less than $100 million) 4% Powersport 13% Loan Portfolio Composition (in millions) Q1 2026 Loan Portfolio Disclosures Total Loans and Allowance for Credit Losses Trend (in millions) $3,991 $3,981 $3,940 $3,999 $5,265 $5,252 $5,185 $44 $44 $42 $43 $75 $72 $72 $- $10 $20 $30 $40 $50 $60 $70 $80 $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Total Loa…
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