Company: OSBC
Filing Date: 2025-02-25
Form Type: 425
Source: 0000357173-25-000021
Chunk: 6

Company: OLD SECOND BANCORP INC
Filing Date: 2025-02-25
Form: 425
Chunk 6
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 regarding the assets purchased and liabilities assumed to determine their fair value; |

| ● | diversion of management’s attention from ongoing business operations and opportunities; |

| ● | reputational risk and the reaction of each company’s customers, suppliers, employees or other business partners to the transaction; |

| ● | potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the transaction; |

| ● | the outcome of any legal proceedings that may be instituted against Old Second or Bancorp Financial; |

| ● | the integration of the businesses and operations of Old Second and Bancorp Financial, which may take longer than anticipated or be more costly than anticipated or have unanticipated adverse results relating to Old Second’s and Bancorp Financial’s existing businesses; |

| ● | business disruptions following the Merger; and |

| ● | other factors that may affect future results of Old Second and Bancorp Financial including changes in asset quality and credit risk; the inability to sustain revenue and earnings growth; changes in interest rates and capital markets; inflation; customer borrowing, repayment, investment and deposit practices; changes in general economic conditions; the impact, extent and timing of technological changes; capital management activities; and other actions of the Federal Reserve Board and legislative and regulatory actions and reforms. |

Annualized, pro forma, projected and estimated numbers are used for illustrative purpose only, are not forecasts and may not reflect actual results. Old Second disclaims any obligation to update or revise any forward-looking statements contained in this Form 8-K, which speak only as of the date hereof, whether as a result of new information, future events or otherwise, except as required by law. Additional factors that could cause results to differ materially from those described above can be found in Old Second’s Annual Report on Form 10-K for the year ended December 31, 2023, which is on file with the SEC and available on Old Second’s investor relations website, https://investors.oldsecond.com, under the heading “SEC Filings,” and in other documents Old Second files with the SEC.

Additional Information About the Merger and Where to Find It This communication is being made in respect of the proposed merger transaction between Old Second and Bancorp Financial. In connection with the proposed Merger, Old Second will file with the SEC a Registration Statement on Form S-4 that will include the Proxy Statement of Bancorp Financial and a Prospectus of Old Second, as well as other relevant documents regarding the proposed transaction. A definitive Proxy Statement/Prospect