Company: OSBC
Filing Date: 2025-04-23
Form Type: S-4
Source: 0001104659-25-037832
Chunk: 82

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 82
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 | ​ | ​ | ​              | ​ | 1.10% | ​ | ​ |
| Nonperforming Assets / Loans + OREO(1)   | ​ | ​ | ​         | ​ | 0.89% | ​ | ​ | ​ | ​                  | ​ | 0.17% | ​ | ​ | ​ | ​       | ​ | 0.43% | ​ | ​ | ​ | ​      | ​ | 0.34% | ​ | ​ | ​ | ​              | ​ | 0.45% | ​ | ​ |
| Net Charge-offs / Average Loans          | ​ | ​ | ​         | ​ | 0.49% | ​ | ​ | ​ | ​                  | ​ | 0.04% | ​ | ​ | ​ | ​       | ​ | 0.43% | ​ | ​ | ​ | ​      | ​ | 0.09% | ​ | ​ | ​ | ​              | ​ | 0.19% | ​ | ​ |

(1) Nonperforming assets included nonaccrual loans, restructured loans and OREO

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In addition, KBW’s analysis showed the following concerning the market performance of Old Second and, to the extent publicly available, the selected companies (excluding the impact of the LTM dividend payout ratios of two of the selected companies, which ratios were considered not meaningful because they were negative):

| ​                                           | ​ | ​ | ​         | ​ | ​ | Selected Companies |   |   |         |   |   |        |   |   |                | ​ |
| ​                                           | ​ | ​ | OldSecond | ​ | ​ | 75thPercentile     | ​ | ​ | Average | ​ | ​ | Median | ​ | ​ | 25thPercentile | ​ |
| One-Year Stock Price Change                 | ​ | ​ | 40.0%     | ​ | ​ | 38.9%              | ​ | ​ | 26.7%   | ​ | ​ | 30.8%  | ​ | ​ | 17.0%          | ​ |
| One-Year Total Return                       | ​ | ​ | 41.9%     | ​ | ​ | 44.0%              | ​ | ​ | 30.7%   | ​ | ​ | 35.4%  | ​ | ​ | 21.