Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 159

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 159
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 primarily due to a decrease in deposits and accrued interest and other liabilities. Total deposits decreased by $57.0 million, or 4.4%, during 2024 as a result of a reduction in interest-bearing time deposits, partially offset by an increase in on-line savings accounts. Accrued interest payable and other liabilities decreased by $3.1 million, or 18.3%, partially due to gross tax liability and reduced accrued interest payable. The change in the deposit mix to more savings deposits reduced accrued interest since this deposit type pays interest monthly rather than quarterly. Total stockholders’ equity was $149.9 million at December 31, 2024 compared to $145.1 million at December 31, 2023. The increase stems from net income of $5.1 million recorded in 2024, less dividends declared and the increase in the unrealized losses in the available for sale securities portfolio. Securities The following table sets forth the amortized cost and fair value of securities, by type of security, as of December 31, 2024 and 2023: Securities Available-for-Sale Portfolio

| ​                                      
 (Dollars in thousands)                 | ​ 
 ​ | ​ 
 ​ | 2024          
 AmortizedCost |   |         |   | ​ | ​ | FairValue |   |         |   | ​ | ​ | % ofTotal |   |       |   | ​ 
 ​ | ​ 
 ​ | 2023          
 AmortizedCost |   |         |   | ​ | ​ | FairValue |   |         |   | ​ | ​ | % ofTotal |   |       |   | ​ 
 ​ |
|:---------------------------------------|:--|:--|:--------------|:--|--------:|:--|:--|:--|:----------|:--|--------:|:--|:--|:--|:----------|:--|------:|:--|:--|:--|:--------------|:--|--------:|:--|:--|:--|:----------|:--|--------:|:--|:--|:--|:----------|:--|------:|:--|:--|
| U.S. government sponsored agencies     | ​ | ​ | ​             | $ |  20,908 | ​ | ​ | ​ | ​         | $ |  19,115 | ​ | ​ | ​ | ​         |