OSBC (Old Second Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Old Second Bancorp LT-Debt-to-Total-Asset?

Old Second Bancorp OSBC +1.63% 68 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates OSBC with a GF Score™ of 68/100 and a GF Value™ of $18.66 (Modestly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Old Second Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Old Second Bancorp's long-term debt to total assets ratio stayed the same from Mar. 2025 (0.02) to Mar. 2026 (0.02).

Old Second Bancorp (NAS:OSBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Old Second Bancorp LT-Debt-to-Total-Asset Related Terms

Old Second Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Old Second Bancorp's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Old Second Bancorp LT-Debt-to-Total-Asset Chart

Old Second Bancorp Annual Data

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LT-Debt-to-Total-Asset

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0.02

Old Second Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.01	0.02	0.02

68GF Score

Old Second Bancorp Inc OSBC

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Old Second Bancorp LT-Debt-to-Total-Asset Calculation

Old Second Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	100.151	/	6902.675
	=	0.01

Old Second Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	100.185	/	6849.221
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Old Second Bancorp (OSBC) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Old Second Bancorp and its competitors.

Is Old Second Bancorp's LT-Debt-to-Total-Asset too high?

Old Second Bancorp's current LT-Debt-to-Total-Asset is 0.02. Overall, Old Second Bancorp has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Old Second Bancorp's LT-Debt-to-Total-Asset compare to UVSP and CCB?

Old Second Bancorp's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Old Second Bancorp and its competitors. Old Second Bancorp's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Old Second Bancorp stock overvalued right now?

Based on GuruFocus' analysis, Old Second Bancorp (OSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.66, compared to a current price of $23.36 — trading 25.2% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Old Second Bancorp's overall GF Score™ is 68/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Old Second Bancorp (OSBC), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Old Second Bancorp (OSBC) Overvalued in 2026?

Based on GuruFocus' analysis, Old Second Bancorp stock appears to be overvalued. The current stock price of $23.36 is trading 25.2% above its estimated GF Value™ of $18.66. GuruFocus considers Old Second Bancorp to be Modestly Overvalued.

Key valuation signals for OSBC:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $18.66 vs. price of $23.36 (25.2% above fair value)
GF Score™: 68/100 with 7 warning signs

No single metric tells the full story. See the OSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Old Second Bancorp Business Description

Industry Financial Services Banks

Comparable Companies UVSP CCB MCB OCFC NBN FBAK HFWA PFBC AGBK HBT SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 37 South River Street, Aurora, IL, USA, 60507

Website https://www.oldsecond.com

Old Second Bancorp Inc is a bank holding company. It provides consumer and commercial banking products such as demand, money market, savings, time deposit, and individual retirement as well as commercial, industrial, consumer, and real estate lending, including installment loans, student loans, agricultural loans, lines of credit and overdraft checking, safe deposit operations, trust services, wealth management services, and additional services tailored to the needs of individual customers, corporates, small-medium enterprises. The company has one operating segment, which is community banking. The company's revenue consists of interest, commission, payments, and other income.

68GF Score

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$23.36

Price

$18.66

GF Value

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