Company: OSBC
Filing Date: 2025-05-06
Form Type: S-4/A
Source: 0001104659-25-045103
Chunk: 33

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-06
Form: S-4/A
Chunk 33
---
 or be more costly than anticipated or have unanticipated adverse results relating to Old Second’s or Bancorp Financial’s existing businesses;

•

business disruptions resulting from or following the merger;

•

delay in closing the merger and the bank merger;

•

the outcome of litigation or of matters before regulatory agencies, whether currently existing or commencing in the future;

<div align='center'>16</div>

TABLE OF CONTENTS

•

increased capital requirements, other regulatory requirements or enhanced regulatory supervision;

•

changes in legislation, regulation, policies or administrative practices, whether by judicial, governmental or legislative action, and other changes pertaining to banking, fair lending, the Community Reinvestment Act, securities, taxation, rent regulation and housing, financial accounting and reporting, environmental protection and insurance and the ability to comply with such changes in a timely manner;

•

the inability to sustain revenue and earnings growth;

•

the inability to efficiently manage operating expenses;

•

the level and volatility of interest rates and changes in capital markets;

•

changes in asset quality and credit risk;

•

negative economic conditions that adversely affect the economy, real estate values, the job market and other factors nationally and in our market area, in each case that may affect liquidity and the performance of the loan portfolio;

•

capital management activities;

•

changes in Old Second’s stock price before closing, including as a result of the financial performance of Bancorp Financial or Old Second prior to closing;

•

customer acceptance of Old Second’s and Bancorp Financial’s products and services;

•

customer borrowing, repayment, investment and deposit practices;

•

competitive pressures from other financial service businesses and from nontraditional financial technology companies;

•

the impact, extent and timing of technological changes;

•

changes in the monetary and fiscal policies of the U.S. Government, including policies of the U.S. Department of the Treasury and the Federal Reserve Board;

•

risks associated with actual or potential litigation or investigations by customers, regulatory agencies or others;

•

changes in accounting principles, policies, practices or guidelines;

•

the potential impact of announcement or consummation of the merger on relationships with third parties, including customers, vendors, employees and competitors;

•

failure to attract new customers and retain existing customers in the manner anticipated;

•

any interruption or breach of security resulting in failures or disruptions in customer account management, general ledger, deposit, loan or other systems;

•

natural disasters, war, terrorist activities or new pandemics;

•

the adverse effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as epidemics and pand