The earnings call highlighted strong net income, improved net interest margins, and successful loan growth, alongside efficient cost management and optimism regarding the Evergreen Bank acquisition. Despite these positives, there were notable expenses and slight decreases in loan yields. The overall sentiment leans towards optimism with some caution due to these challenges.

Company Guidance -

Q3 2025

During Old Second Bancorp's second-quarter 2025 earnings call, several key metrics were highlighted. The company reported net income of $21.8 million, equivalent to $0.48 per diluted share. The return on assets was noted at 1.53%, while the return on average tangible common equity was 15.29%. The tax equivalent efficiency ratio stood at 54.54%. Despite merger-related expenses of $810,000 and MSR mark-to-market losses of $531,000, the company's profitability remained strong. The tangible equity ratio increased by 49 basis points from the previous quarter, reaching 10.83%. The common equity Tier 1 ratio rose to 13.77%, and the loan-to-deposit ratio was 83.3%. Net interest margin on a tax-equivalent basis decreased by 3 basis points from the prior quarter, settling at 4.85%. Moreover, the company experienced a $1.2 million in gross charge-offs, primarily linked to a single credit, and a $1.4 million increase in the allowance for credit losses on loans, which amounted to $43 million or 1.08% of total loans.

Strong Net Income and Return on Assets

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%.

Increase in Tangible Equity and Common Equity Tier 1

The tangible equity ratio increased by 49 basis points from last quarter, and by 144 basis points over the year. Common equity Tier 1 increased to 13.77% from 13.47% last quarter.

Net Interest Margin Performance

Net interest margin improved 22 basis points year-over-year on a tax equivalent basis, and the pre-provision net revenues increased.

Loan Growth and Asset Quality

Total loans increased by $58.4 million with stable asset quality, and nonperforming assets remained flat.

Efficient Cost Management

Noninterest expenses were $1.1 million less than the prior quarter, and the tax equivalent efficiency ratio was 54.54%.

Positive Outlook on Evergreen Bank Acquisition

The Evergreen Bank acquisition is expected to enhance profitability with cost savings on target and potentially higher earnings expectations.

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

Daily Earnings Calendar >

OSBC Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 15, 2025	2025 (Q3)	- / -	0.5	―	―	―
Jul 23, 2025	2025 (Q2)	0.48 / 0.48	0.48	-0.83% (>-0.01)	―
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?

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What is OSBC EPS forecast?

Currently, no data Available

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