OLD SECOND BANCORP INC

For the period ended Dec 31, 2025. Filed Feb 26, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 26, 2026

OSBC$25.09+2.8%Stored close · as of Nov 9, 2026

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Contents

INDEX


PART I

Cautionary Note Regarding Forward-Looking Statements	3

Item 1		Business	4

Item 1A		Risk Factors	22

Item 1B		Unresolved Staff Comments	38

Item 1C		Cybersecurity	38

Item 2		Properties	40

Item 3		Legal Proceedings	40

Item 4		Mine Safety Disclosures	40

PART II

Item 5		Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	41

Item 6		[Reserved]	42

Item 7		Management's Discussion and Analysis of Financial Condition and Results of Operations	43

Item 7A		Quantitative and Qualitative Disclosures about Market Risk	67

Item 8		Financial Statements and Supplementary Data	69

Item 9		Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	122

Item 9A		Controls and Procedures	122

Item 9B		Other Information	122

Item 9C		Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	122

PART III

Item 10		Directors, Executive Officers, and Corporate Governance	122

Item 11		Executive Compensation	123

Item 12		Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	123

Item 13		Certain Relationships and Related Transactions, and Director Independence	123

Item 14		Principal Accountant Fees and Services	123

PART IV

Item 15		Exhibits and Financial Statement Schedules	124


		Signatures	127

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About this filing

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