Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 168

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 168
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The following table sets forth the allocation of the ACL by loan category at December 31 st for the years indicated, and, for each category of loans, the percent of gross loans represented by that category: Allocation of the Allowance for Credit Losses

| ​                                     
 (Dollars in thousands)                | ​ 
 ​ | ​ 
 ​ | 2024   
 Amount |   |        |   | ​ | ​ | % of Loansin EachCategory toGross Loans |   |     |   | ​ 
 ​ | ​ 
 ​ | 2023   
 Amount |   |        |   | ​ | ​ | % of Loansin EachCategory toGross Loans |   |     |   | ​ 
 ​ |
|:--------------------------------------|:--|:--|:-------|:--|-------:|:--|:--|:--|:----------------------------------------|:--|----:|:--|:--|:--|:-------|:--|-------:|:--|:--|:--|:----------------------------------------|:--|----:|:--|:--|
| Commercial and industrial             | ​ | ​ | ​      | $ |    160 | ​ | ​ | ​ | ​                                       | ​ | 0.4 | ​ | ​ | ​ | ​      | $ |    148 | ​ | ​ | ​ | ​                                       | ​ | 0.6 | ​ | ​ |
| Commercial real estate                | ​ | ​ | ​      | ​ |  2,358 | ​ | ​ | ​ | ​                                       | ​ | 1.3 | ​ | ​ | ​ | ​      | ​ |  2,557 | ​ | ​ | ​ | ​                                       | ​ | 1.2 | ​ | ​ |
| Construction and development          | ​ | ​ | ​      | ​ |     41 | ​ | ​ | ​ | ​                                       | ​ | 0.4 | ​ | ​ | ​ | ​      | ​ |      6 | ​ | ​ | ​ | ​                                       | ​ | 0.4 | ​ | ​ |
| Residential real estate               | ​ | ​ | ​      | ​ |     37 | ​ | ​ | ​ | ​                                       | ​ | 0.5 | ​ | ​ | ​ | ​      | ​ |     34 | ​ | ​ | ​ | ​                                       | ​ | 0.4 |