Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 224

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 224
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| ​ | 2028 | ​ | ​ | ​ | ​ |   6,583,679 | ​ | ​ |
| ​ | 2029 | ​ | ​ | ​ | ​ |   5,029,753 | ​ | ​ |
| ​ |    ​ | ​ | ​ | ​ | $ | 794,608,853 | ​ | ​ |

The Company had approximately $149,678,000 and $131,831,000 of brokered deposits at December 31, 2024 and 2023, respectively.

F-27

TABLE OF CONTENTS

Bancorp Financial, Inc. and Subsidiary Notes to Consolidated Financial Statements Note 7. Notes Payable Notes payable consists of:

| ​              
 ​              | ​ 
 ​ | ​ 
 ​ | December 31, 
 2024         |   |            |   | ​ | ​ | 2023 |   |            |   | ​ 
 ​ |
|:---------------|:--|:--|:-------------|:--|-----------:|:--|:--|:--|:-----|:--|-----------:|:--|:--|
| Revolving loan | ​ | ​ | ​            | $ | 12,500,000 | ​ | ​ | ​ | ​    | $ | 14,000,000 | ​ | ​ |
| FHLB advance   | ​ | ​ | ​            | ​ | 33,500,000 | ​ | ​ | ​ | ​    | ​ | 33,500,000 | ​ | ​ |
| ​              | ​ | ​ | ​            | $ | 46,000,000 | ​ | ​ | ​ | ​    | $ | 47,500,000 | ​ | ​ |

Revolving loan — The Company has a credit agreement secured by Evergreen Bank Group common stock and requires the Company to maintain certain financial covenants. At December 31, 2024, the Company had a $15,000,000 revolving credit agreement due April 30, 2025. At December 31, 2023, the Company had a $18,000,000 revolving credit agreement due June 15, 2024. Under the agreement, the interest rate on the revolving loan can be set at the Company’s discretion based on either the SOFR rate plus 2.85%, floating, or the prime rate minus 0.25%,