Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 233

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 233
---
as defined) and of Tier 1 capital to average assets. Management believes the Bank meets all capital adequacy requirements to which it is subject as of December 31, 2024.

As of December 31, 2024, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based, Tier 1

<div align='center'>F-32</div>

TABLE OF CONTENTS

Bancorp Financial, Inc. and Subsidiary Notes to Consolidated Financial Statements Note 12. Dividend Restrictions and Regulatory Capital Requirements (continued) Common Equity, and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank’s categories. The Bank’s actual capital amounts (in thousands) and ratios are presented in the table.

| ​                                                      
 As of December 31, 2024                                | ​ 
 ​ | ​ 
 ​ | Actual 
 Amount |   |         |   | ​ | ​ | Ratio |   |        |   | ​ 
 ​ | ​ 
 ​ | Minimum CapitalRequirement withCapital Buffer 
 Amount                                        |   |         |   | ​ | ​ | Ratio |   |        |   | ​ 
 ​ | ​ 
 ​ | MinimumTo be Well CapitalizedUnder PromptCorrective ActionProvisions 
 Amount                                                               |   |         |   | ​ | ​ | Ratio |   |        |   | ​ 
 ​ |
|:-------------------------------------------------------|:--|:--|:-------|:--|--------:|:--|:--|:--|:------|:--|:-------|:--|:--|:--|:----------------------------------------------|:--|--------:|:--|:--|:--|:------|:--|:-------|:--|:--|:--|:---------------------------------------------------------------------|:--|--------:|:--|:--|:--|:------|:--|:-------|:--|:--|
| Total Capital (to Risk-Weighted Assets)                | ​ | ​ | ​      | $ | 184,080 | ​ | ​ | ​ | ​     | ​ | 14.42% | ​ | ​ | ​ | ​                                             | $ | 134,070 | ​ | ​ | ​ |