Company: OSBC
Filing Date: 2025-05-06
Form Type: S-4/A
Source: 0001104659-25-045103
Chunk: 209

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-06
Form: S-4/A
Chunk 209
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.25% | ​ | ​ | ​ | 4.3 Months    | ​ | ​ |                                      ​ | ​ | 1.70% | ​ | ​ | ​ | 10.9 Months   | ​ |
| Total of loans modified during the period | ​ | ​ |                                      ​ | ​ | 4.12% | ​ | ​ | ​ | 14.7 Months   | ​ | ​ |                                      ​ | ​ | 5.00% | ​ | ​ | ​ | 18.1 Months   | ​ |

The following table provides the amortized cost basis of loans that had a payment default during the year ended December 31, 2024 and 2023, after having been modified during the 12 months before default for borrowers experiencing financial difficulty. A default occurs when a loan is 90 days or more past due or transferred to non-accrual status.

| ​                     | ​ | ​ | 2024 |   |        |   | ​ | ​ | 2023 |   |       |   | ​ |
|:----------------------|:--|:--|:-----|:--|-------:|:--|:--|:--|:-----|:--|------:|:--|:--|
| Powersport            | ​ | ​ | ​    | $ | 24,093 | ​ | ​ | ​ | ​    | $ | 8,794 | ​ | ​ |
| Installment and other | ​ | ​ | ​    | ​ | 55,409 | ​ | ​ | ​ | ​    | ​ |     — | ​ | ​ |
| ​                     | ​ | ​ | ​    | $ | 79,502 | ​ | ​ | ​ | ​    | $ | 8,794 | ​ | ​ |

The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the payment performance of loans modified during the year ended December 31, 2024 and 2023.

| ​                     
 ​                     | ​ 
 ​ | ​ 
 ​ | 2024    
 Current |   |         |   | ​ | ​ | Non-accrual |   |   |   | ​ 
 ​ | ​ 
 ​ | 2023    
 Current |   |         |   | ​ | ​ | Non-accrual |   |   |   | ​ 
 ​