Company: OSBC
Filing Date: 2025-04-23
Form Type: S-4
Source: 0001104659-25-037832
Chunk: 79

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 79
---
.23% | ​ | ​ | ​ | ​                  | ​ | 1.72% | ​ | ​ | ​ | ​       | ​ | 2.19% | ​ | ​ | ​ | ​      | ​ | 1.92% | ​ | ​ | ​ | ​              | ​ | 2.58% | ​ | ​ |
| MRQ Net Interest Margin                               | ​ | ​ | ​                      | ​ | 3.93% | ​ | ​ | ​ | ​                  | ​ | 3.45% | ​ | ​ | ​ | ​       | ​ | 3.07% | ​ | ​ | ​ | ​      | ​ | 3.15% | ​ | ​ | ​ | ​              | ​ | 2.74% | ​ | ​ |
| MRQ Fee Income / Revenue Ratio(2)                     | ​ | ​ | ​                      | ​ | 6.8%  | ​ | ​ | ​ | ​                  | ​ | 23.9% | ​ | ​ | ​ | ​       | ​ | 20.7% | ​ | ​ | ​ | ​      | ​ | 17.8% | ​ | ​ | ​ | ​              | ​ | 15.1% | ​ | ​ |
| MRQ Efficiency Ratio                                  | ​ | ​ | ​                      | ​ | 60.3% | ​ | ​ | ​ | ​                  | ​ | 62.1% | ​ | ​ | ​ | ​       | ​ | 69.3% | ​ | ​ | ​ | ​      | ​ | 70.0% | ​ | ​ | ​ | ​              | ​ | 72.7% | ​ | ​ |

47

TABLE OF CONTENTS

(1) Core net income after taxes and before extraordinary items, excluding gain on the sale of available for sale securities, amortization of intangibles, goodwill and nonrecurring items as defined by S&P Capital IQ Pro (2) Excluded gain/loss on sale of securities KBW’s analysis showed the following concerning the financial condition of Bancorp Financial and, to the extent publicly available, the selected companies:

| ​                                        | ​ | ​ | ​                      | ​ | ​     | ​ | ​ | ​ | Selected Companies |   |        |   |   |   |         |   |       |   |   |   |        |   |       |   |