Company: OSBC
Filing Date: 2025-05-06
Form Type: S-4/A
Source: 0001104659-25-045103
Chunk: 150

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-06
Form: S-4/A
Chunk 150
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 supported by a partnership with Polaris Industries, an American manufacturer of motorcycles, snowmobiles, ATVs, and electric vehicles. Our lending activities include making commercial and consumer loans and lines of credit, primarily on a secured basis. Commercial lending focuses on business, equipment, capital, construction, inventory and real estate lending. Consumer lending includes direct loans to consumers and commercial customers such as home equity lines of credit, auto loans and motorcycle loans.

We also offer a full complement of personal and business electronic banking services such as online and mobile banking and bill pay, and corporate cash/treasury management products including remote and mobile deposit capture, bank to bank transfers, sweep services, ATM access, telephone banking, lockbox accounts, merchant processing solutions, ACH transactions, account reconciliation, controlled disbursement, electronic statements, foreign and domestic wire transfers, currency vault services, fraud prevention services, safe deposit boxes, and checking accounts.

Bancorp Financial’s common stock is not registered under the Exchange Act and, accordingly, the Company does not file periodic or current reports with the SEC. More information about Bancorp Financial is available by visiting the “About Us — Shareholder and Financial Information” tab of Evergreen Bank Group’s website at www.evergreenbankgroup.com. Information contained on Evergreen Bank Group’s website does not constitute part of, and is not incorporated into, this proxy statement/prospectus.

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<div align='center'>**MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS OF BANCORP FINANCIAL**</div>

In this section, unless the context suggests otherwise, references to “we,” “us,” and “our” mean the combined business of Bancorp Financial and its wholly owned subsidiary, Evergreen Bank Group.

The following discussion provides additional information regarding Bancorp Financial’s operations for the twelve-month periods ended December 31, 2024 and 2023, and financial condition at December 31, 2024 and 2023, and should be read in conjunction with Bancorp Financial’s consolidated financial statements and the related notes thereto included elsewhere in this proxy statement/prospectus. Our historical results of operations and the percentage relationships among any amounts included, and any trends that may appear, may not indicate trends in operations or results of operations for any future periods.

Bancorp Financial has made, and will continue to make, various forward-looking statements with respect to financial and business matters. Comments regarding