The earnings call reflected a strong financial performance with significant growth in net income, improved net interest margin, and successful integration of the Evergreen Bank acquisition. Despite some merger-related expenses and increased noninterest expenses, the company's asset quality and loan growth remain robust, contributing to a positive outlook.

Company Guidance

During the Old Second Bancorp, Inc. second quarter 2025 earnings call, management provided several key financial metrics and insights into their performance and future outlook. For the quarter, the company reported a net income of $21.8 million, translating to $0.48 per diluted share. Their return on assets was 1.53%, while the return on average tangible common equity stood at 15.29%. The tax equivalent efficiency ratio was 54.54%. Despite merger-related expenses and MSR mark-to-market losses impacting earnings, profitability remained strong, with a tangible equity ratio increase of 49 basis points from the previous quarter to 10.83%. The Common Equity Tier 1 ratio rose to 13.77%, while the loan-to-deposit ratio slightly increased to 83.3%. Net interest margin showed resilience, improving by 22 basis points year-over-year. The company experienced an increase of $58.4 million in total loans, driven by growth in construction and lease portfolios. Noninterest income performed well, with significant increases in wealth management fees and service charges on deposits. Looking ahead, management is optimistic about the integration of Evergreen Bank and projects stable or slightly higher earnings, with a focus on optimizing their balance sheet for future growth.

Strong Financial Performance

Net income was $21.8 million or $0.48 per diluted share. Return on assets was 1.53% and return on average tangible common equity was 15.29%. The tangible equity ratio increased by 49 basis points from last quarter to 10.83%.

Net Interest Margin and Revenue Growth

Net interest margin improved 22 basis points year-over-year on a tax equivalent basis. Net interest income increased by $1.3 million or 2.1% to $64 million for the quarter.

Loan and Deposit Growth

Total loans increased by $58.4 million from last quarter. Average deposits increased $51 million or 1.1% quarter-over-quarter.

Successful Evergreen Bank Acquisition

The integration of Evergreen Bank is proceeding well, with financial performance exceeding initial expectations. Cost saves estimates are on target and earnings expectations are slightly higher.

Strong Asset Quality

Asset quality remained stable with nonperforming assets flat and only a modest increase in classified assets. Allowance for credit losses on loans increased to $43 million or 1.08% of total loans.

Old Second Bancorp (OSBC) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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OSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	0.26 / -	0.5	―	―	―
Jul 23, 2025	2025 (Q2)	0.47 / 0.48	0.48	0.00% (0.00)	―
Apr 23, 2025	2025 (Q1)	0.43 / 0.43	0.47	-8.51% (-0.04)	―
Jan 22, 2025	2024 (Q4)	0.48 / 0.42	0.4	5.00% (+0.02)	―
Oct 16, 2024	2024 (Q3)	0.47 / 0.50	0.54	-7.41% (-0.04)	―
Jul 17, 2024	2024 (Q2)	0.47 / 0.48	0.56	-14.29% (-0.08)	―
Apr 17, 2024	2024 (Q1)	0.46 / 0.47	0.52	-9.62% (-0.05)	―
Jan 24, 2024	2023 (Q4)	0.51 / 0.40	0.52	-23.08% (-0.12)	―
Oct 18, 2023	2023 (Q3)	0.53 / 0.54	0.43	25.58% (+0.11)	―
Jul 19, 2023	2023 (Q2)	0.53 / 0.56	0.27	107.41% (+0.29)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

OSBC Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$18.60	$18.54	-0.32%
Apr 23, 2025	$15.35	$15.49	+0.91%
Jan 22, 2025	$18.49	$18.04	-2.43%
Oct 16, 2024	$15.89	$16.80	+5.73%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Old Second Bancorp (OSBC) report earnings?

Old Second Bancorp (OSBC) is schdueled to report earning on Oct 15, 2025, After Close (Confirmed).

What is Old Second Bancorp (OSBC) earnings time?

Old Second Bancorp (OSBC) earnings time is at Oct 15, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is OSBC EPS forecast?

OSBC EPS forecast for the fiscal quarter 2025 (Q3) is 0.26.

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