Old Second Bancorp Inc (NAS:OSBC)

Q4 2025 Old Second Bancorp Inc Earnings Call Transcript

Jan 22, 2026 / 03:00 PM GMT

Release Date Price: $21.26 (-0.98%)

Transcript 8-K

Key Points

Positve

Old Second Bancorp Inc (OSBC) reported a strong net interest margin of 5.09% for the fourth quarter, a 44 basis point improvement from the previous quarter.
The company's tangible book value per share increased by 61 basis points to $14.12.
Common equity tier one capital ratio improved to 12.99% in the fourth quarter, up from 12.44% in the previous quarter.
The efficiency ratio was excellent, with a tax equivalent efficiency ratio of 51.28% for the fourth quarter.
Loan origination activity was robust in the fourth quarter, with the pipeline at its highest in 6 to 7 quarters, indicating strong future growth potential.

Negative

Old Second Bancorp Inc (OSBC) experienced a $6 million net loan charge-off in the fourth quarter, primarily from the power sports portfolio.
Non-performing loans increased by $4.8 million, and classified assets rose by $10 million.
The company recorded a $428,000 pre-tax loss on mortgage servicing rights.
There was a slight decrease in total loans by $12.4 million from the previous quarter.
Non-interest income decreased slightly in the fourth quarter compared to the prior quarter, with mortgage banking income declining by $668,000 year-over-year.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

OSBC.OQ - Old Second Bancorp Inc
Q4 2025 Old Second Bancorp Inc Earnings Call
Jan 22, 2026 / 03:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning everyone and thank you for joining us today for Old Second Ban Corp Inc.s. 4th quarter 2025 earnings call. On the call today are Jim Ecker, the company's Chairman, President, and CEO, Brad Adams, the company's COO and CFO, Darren Campbell, the company's head of national specialty lending, and Gary Collins, the Vice Chairman of our board.

I will start with a reminder that Old Second's comments today will contain forward-looking statements about the company's business strategies and prospects which are based on management's existing expectations in the current economic environment.

These statements are not a guarantee of future performance, and results may differ materially from those projected.

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.