Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 170

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 170
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 consists of 134 and 143 vehicles at December 31, 2024 and 2023, respectively. There was no other real estate owned at year end 2024 or 2023. Deposits Total deposits decreased by $57.0 million, or 4.4%, to a total of $1.2 billion at December 31, 2024, compared to year-end 2023 due to decreases in time deposits of $117.6 million, NOW and money market accounts of $15.4 million and noninterest bearing demand deposits of $2.3 million, partially offset by an increase in savings deposits of $78.3 million. The increase in savings was the result of growth in the national online deposit platform to strategically reduce our reliance on fixed rate time deposits.

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TABLE OF CONTENTS

The following table sets forth the average balance and rates paid on deposits for the years ended December 31, 2024 and 2023: Average Balances and Interest Rates

| ​                          
 (Dollars in thousands)     | ​ 
 ​ | ​ 
 ​ | 2024           
 AverageBalance |   |           |   | ​ | ​ | Rate% |   |     |   | ​ 
 ​ | ​ 
 ​ | 2023           
 AverageBalance |   |           |   | ​ | ​ | Rate% |   |     |   | ​ 
 ​ |
|:---------------------------|:--|:--|:---------------|:--|----------:|:--|:--|:--|:------|:--|----:|:--|:--|:--|:---------------|:--|----------:|:--|:--|:--|:------|:--|----:|:--|:--|
| Noninterest bearing demand | ​ | ​ | ​              | $ |    73,063 | ​ | ​ | ​ | ​     | ​ |   — | ​ | ​ | ​ | ​              | $ |    84,901 | ​ | ​ | ​ | ​     | ​ |   — | ​ | ​ |
| Interest bearing:          | ​ | ​ | ​              | ​ |         ​ | ​ | ​ | ​ | ​     | ​ |   ​ | ​ | ​ | ​ | ​              | ​ |         ​ | ​ | ​ | ​ | ​     | ​ |   ​ | ​ | ​ |
| NOW and money market       | ​ |