Company: OSBC
Filing Date: 2025-05-06
Form Type: S-4/A
Source: 0001104659-25-045103
Chunk: 204

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-06
Form: S-4/A
Chunk 204
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 $24,471 secured by automobiles at December 31, 2024. The Company had $235,574 of collateral dependent loans secured by real-estate and $35,891 secured by automobiles at December 31, 2023. For commercial loans, the Company’s credit quality indicator is internally assigned risk ratings. Each commercial loan is assigned a risk rating upon origination. Consumer loans, excluding powersport loans, are assigned a risk rating once a loan is added to the watch list. The risk rating is reviewed on a periodic basis depending on the specific circumstances of the loan. The following tables present the risk categories of loans evaluated by segment of loans based on the most recent analysis performed and the contractual aging as of December 31, 2024 and 2023:

| ​                                     
 ​                                     | ​ 
 ​ | ​ 
 ​ | 2024 
 Pass |   |             |   | ​ | ​ | SpecialMention |   |            |   | ​ | ​ | SubstandardAccrual |   |            |   | ​ | ​ | SubstandardNon-Accrual |   |           |   | ​ | ​ | Doubtful |   |   |   | ​ | ​ | Loss |   |   |   | ​ | ​ | Total |   |             |   | ​ 
 ​ |
|:--------------------------------------|:--|:--|:-----|:--|------------:|:--|:--|:--|:---------------|:--|-----------:|:--|:--|:--|:-------------------|:--|-----------:|:--|:--|:--|:-----------------------|:--|----------:|:--|:--|:--|:---------|:--|:--|:--|:--|:--|:-----|:--|:--|:--|:--|:--|:------|:--|------------:|:--|:--|
| Commercial and industrial             | ​ | ​ | ​    | $ |  38,166,748 | ​ | ​ | ​ | ​              | $ |          — | ​ | ​ | ​ | ​                  | $ |    575,595 | ​ | ​ | ​ | ​                      | $ |         — | ​ | ​ | ​ | ​        | $ | — | ​ | ​ | ​ | ​    | $ | — | ​ | ​ | ​ | ​