Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 149

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 149
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 holding company for Evergreen Bank Group, an Illinois state-chartered bank with three banking locations in the Chicago, Illinois suburbs of Evergreen Park, Oak Brook and Hinsdale, and one loan production office in Reno, Nevada. At December 31, 2024, Bancorp Financial had total assets of $1.45 billion, gross loans of $1.21 billion, total deposits of $1.24 billion and total stockholders’ equity of $149.9 million.

Evergreen Bank Group is a full-service community bank offering a broad range of loan, deposit and treasury management products and services. Our commercial and consumer lending business includes our national powersport lending divisions, FreedomRoad Financial and Performance Finance. Performance Finance is supported by a partnership with Polaris Industries, an American manufacturer of motorcycles, snowmobiles, ATVs, and electric vehicles. Our lending activities include making commercial and consumer loans and lines of credit, primarily on a secured basis. Commercial lending focuses on business, equipment, capital, construction, inventory and real estate lending. Consumer lending includes direct loans to consumers and commercial customers such as home equity lines of credit, auto loans and motorcycle loans.

We also offer a full complement of personal and business electronic banking services such as online and mobile banking and bill pay, and corporate cash/treasury management products including remote and mobile deposit capture, bank to bank transfers, sweep services, ATM access, telephone banking, lockbox accounts, merchant processing solutions, ACH transactions, account reconciliation, controlled disbursement, electronic statements, foreign and domestic wire transfers, currency vault services, fraud prevention services, safe deposit boxes, and checking accounts.

Bancorp Financial’s common stock is not registered under the Exchange Act and, accordingly, the Company does not file periodic or current reports with the SEC. More information about Bancorp Financial is available by visiting the “About Us — Shareholder and Financial Information” tab of Evergreen Bank Group’s website at www.evergreenbankgroup.com. Information contained on Evergreen Bank Group’s website does not constitute part of, and is not incorporated into, this proxy statement/prospectus.

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TABLE OF CONTENTS

<div align='center'>**MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF BANCORP FINANCIAL**</div>

In this section, unless the context suggests otherwise, references to “we,” “us,” and “our” mean the combined business of Bancorp Financial and its wholly