Company: OSBC
Filing Date: 2025-04-23
Form Type: S-4
Source: 0001104659-25-037832
Chunk: 172

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 172
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6 million and net shares issued as part of the stock compensation plan. The Basel III rules impose minimum capital requirements on banks and bank holding companies. While Evergreen Bank Group is subject to these minimum capital requirements, our holding company,

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Bancorp Financial, as a small bank holding company, is not subject to the requirements. Quantitative measures established by regulation to ensure capital adequacy require the bank to maintain minimum amounts and ratios of total, Tier 1 and Common Equity Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets. We believe the Bank meets all the capital adequacy requirements to which is it subject. The following table shows the regulatory capital ratios for Evergreen Bank Group and the current minimum and well capitalized regulatory requirements at the dates indicated: Risk Based Capital Ratios

| ​                                  | ​ | ​ | Minimum CapitalAdequacy withCapital Buffer |   |        |   | ​ | ​ | Well CapitalizedUnder PromptCorrective ActionProvisions |   |        |   | ​ | ​ | December 31,2024 |   |        |   | ​ | ​ | December 31,2023 |   |        |   | ​ |
| Evergreen Bank Group:              | ​ | ​ | ​                                          | ​ | ​      | ​ | ​ | ​ | ​                                                       | ​ | ​      | ​ | ​ | ​ | ​                | ​ | ​      | ​ | ​ | ​ | ​                | ​ | ​      | ​ | ​ |
| Common equity tier 1 capital ratio | ​ | ​ | ​                                          | ​ | 7.00%  | ​ | ​ | ​ | ​                                                       | ​ | 6.50%  | ​ | ​ | ​ | ​                | ​ | 13.16% | ​ | ​ | ​ | ​                | ​ | 12.36% | ​ | ​ |
| Total risk-based capital ratio     | ​ | ​ | ​                                          | ​ | 10.50% | ​ | ​ | ​ | ​                                                       | ​ | 10.00% | ​ | ​ | ​ | ​                | ​ | 14.42% | ​ | ​ | ​ | ​                | ​ | 13.61% | ​ | ​ |
| Tier 1 risk-based capital ratio    | ​ | ​ | ​                                          | ​ | 8.50%  | ​ | ​ | ​ | ​                                                       | ​