OLD SECOND BANCORP INC

For the period ended Dec 31, 2024. Filed Mar 6, 2025.

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.

FY2024 · Filed Mar 6, 2025

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	23

Item 1B		Unresolved Staff Comments	42

Item 1C		Cybersecurity	42

Item 2		Properties	44

Item 3		Legal Proceedings	44

Item 4		Mine Safety Disclosures	45

PART II

Item 5		Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	45

Item 6		[Reserved]	46

Item 7		Management's Discussion and Analysis of Financial Condition and Results of Operations	47

Item 7A		Quantitative and Qualitative Disclosures about Market Risk	71

Item 8		Financial Statements and Supplementary Data	73

Item 9		Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	123

Item 9A		Controls and Procedures	123

Item 9B		Other Information	123

Item 9C		Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	123

PART III

Item 10		Directors, Executive Officers, and Corporate Governance	123

Item 11		Executive Compensation	124

Item 12		Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters	124

Item 13		Certain Relationships and Related Transactions, and Director Independence	124

Item 14		Principal Accountant Fees and Services	124

PART IV

Item 15		Exhibits and Financial Statement Schedules	125


		Signatures	128

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About this filing

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