Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 216

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 216
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 | ​    | $ | 8,794 | ​ | ​ |

The Company closely monitors the performance of loans that are modified for borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the payment performance of loans modified during the year ended December 31, 2024 and 2023.

| ​                     
 ​                     | ​ 
 ​ | ​ 
 ​ | 2024    
 Current |   |         |   | ​ | ​ | Non-accrual |   |   |   | ​ 
 ​ | ​ 
 ​ | 2023    
 Current |   |         |   | ​ | ​ | Non-accrual |   |   |   | ​ 
 ​ |
|:----------------------|:--|:--|:--------|:--|--------:|:--|:--|:--|:------------|:--|:--|:--|:--|:--|:--------|:--|--------:|:--|:--|:--|:------------|:--|:--|:--|:--|
| Powersport            | ​ | ​ | ​       | $ | 409,030 | ​ | ​ | ​ | ​           | $ | — | ​ | ​ | ​ | ​       | $ | 283,137 | ​ | ​ | ​ | ​           | $ | — | ​ | ​ |
| Installment and other | ​ | ​ | ​       | ​ | 270,310 | ​ | ​ | ​ | ​           | ​ | — | ​ | ​ | ​ | ​       | ​ | 219,588 | ​ | ​ | ​ | ​           | ​ | — | ​ | ​ |
| ​                     | ​ | ​ | ​       | $ | 679,340 | ​ | ​ | ​ | ​           | $ | — | ​ | ​ | ​ | ​       | $ | 502,725 | ​ | ​ | ​ | ​           | $ | — | ​ | ​ |

F-24

TABLE OF CONTENTS Bancorp Financial, Inc. and Subsidiary Notes to Consolidated Financial Statements Note 3. Loans (continued) The following tables provide additional detail of the activity in the allowance for credit losses, by portfolio segment, for the years ended December 31, 2024 and 2023:

| ​                                     
 ​                                     
 Allowance for credit losses:          | ​ 
 ​ 
 ​