# EDGAR Filing Document

**Accession Number:** 0000357173
**File Stem:** 0000357173-26-000020
**Filing Date:** 2026-4
**Character Count:** 67511
**Document Hash:** 0f03c72e2eb235e21176eb742330a6d0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000357173-26-000020.hdr.sgml**: 20260422

**ACCESSION NUMBER**: 0000357173-26-000020

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 25

**CONFORMED PERIOD OF REPORT**: 20260422

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260422

**DATE AS OF CHANGE**: 20260422

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** OLD SECOND BANCORP INC
- **CENTRAL INDEX KEY:** 0000357173
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 363143493
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-10537
- **FILM NUMBER:** 26883717

**BUSINESS ADDRESS:**
- **STREET 1:** 37 S RIVER ST
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60507
- **BUSINESS PHONE:** 6308920202

**MAIL ADDRESS:**
- **STREET 1:** 37 SOUTH RIVER STREET
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60507

?xml version='1.0' encoding='ASCII'? OLD SECOND BANCORP INC_April 22, 2026

I

**United States**

**Securities And Exchange Commission**

**Washington, D.C. 20549**

**FORM 8-K**

**Current Report**

#### Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): **April 22, 2026**

## (Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Delaware** | &nbsp;&nbsp;**000-10537** | &nbsp;&nbsp;**36-3143493** |
| &nbsp;&nbsp;(State or other jurisdiction of incorporation) | &nbsp;&nbsp;(Commission File Number) | &nbsp;&nbsp;(I.R.S. Employer Identification No.) |

---

**37 South River StreetAurora, Illinois 60507**(Address of principal executive offices) (Zip code)

#### (630) 892-0202 (Registrant's telephone number, including area code)
**N/A**

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (*see* General Instruction A.2. below):

**☐** Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

**☐** Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

**☐** Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

**☐** Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

---

| | | |
|:---|:---|:---|
| **Title of each class** | **Trading Symbol(s)** | **Name of each exchange on which registered** |
| Common Stock | OSBC | The Nasdaq Stock Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).

Emerging growth company **☐**

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. **☐**

------

**Item 2.02 Results of Operations and Financial Condition**

On April 22, 2026, Old Second Bancorp, Inc. (the "Company's") issued a press release announcing its financial results for the first quarter ended March 31, 2026, along with certain other financial information. Copies of the Company's press release and loan portfolio disclosures are attached as Exhibits 99.1 and 99.2, respectively.

**Item 9.01 Financial Statements and Exhibits**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Exhibit No. | &nbsp;&nbsp;Description |
| &nbsp;&nbsp;99.1 | &nbsp;&nbsp;[Press Release of Old Second Bancorp, Inc. dated April 22, 2026](osbc-20260422xex99d1.htm) |
| &nbsp;&nbsp;99.2 | &nbsp;&nbsp;[Loan Portfolio Disclosures for Old Second Bancorp, Inc. dated March 31, 2026](osbc-20260422xex99d2.htm) |
| &nbsp;&nbsp;104 | &nbsp;&nbsp;Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document) |

---

**Signature**

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
|  | **OLD SECOND BANCORP, INC.** | **OLD SECOND BANCORP, INC.** |
| Dated: April 22, 2026 | By: | /s/ Bradley S. Adams |
|  |  | Bradley S. Adams |
|  |  | Executive Vice President,  |
|  |  | Chief Operating Officer and |
|  |  | Chief Financial Officer |

---

## Exhibit 99.1

![Graphic](osbc-20260422xex99d1001.jpg)

---

| | | |
|:---|:---|:---|
| **(NASDAQ:OSBC)** | **(NASDAQ:OSBC)** | **Exhibit 99.1** |
| **Contact:** | &nbsp;&nbsp;**Bradley S. Adams** | **For Immediate Release** |
|  | &nbsp;&nbsp;**Chief Financial Officer** | **April 22, 2026** |
|  | **(630) 906-5484** |  |

---

**Old Second Bancorp, Inc. Reports First Quarter 2026 Net Income of $25.6 Million, or $0.48 per Diluted Share**

**AURORA, IL, April 22, 2026 –** Old Second Bancorp, Inc. (the "Company," "Old Second," "we," "us," and "our") (NASDAQ: OSBC), the parent company of Old Second National Bank (the "Bank"), today announced financial results for the first quarter of 2026. Our net income was $25.6 million, or $0.48 per diluted share, for the first quarter of 2026, compared to net income of $28.8 million, or $0.54 per diluted share, for the fourth quarter of 2025. Adjusted net income<sup>1</sup> was $26.0 million, or adjusted diluted earnings per share<sup>1</sup> of $0.49, for the first quarter of 2026, compared to adjusted net income<sup>1</sup> of $30.8 million, or adjusted diluted earnings per share<sup>1</sup> of $0.58, for the fourth quarter of 2025.

**Notable Items**<sup>2</sup><sup></sup>

● Net interest and dividend income was $81.1 million, reflecting a decrease of $1.9 million, or 2.30%.

● Net interest margin (NIM) on a fully tax-equivalent basis <sup>1</sup> was 5.14%, an increase of 5 basis points.

● Provision for credit losses of $9.5 million compared to $3.0 million.

● Noninterest i ncome was $12.6 million, an increase of $476,000, or 3.92%, compared to $12.2 million.

● Noninterest expense was $50.2 million, a decrease of $2.7 million, or 5.15%, compared to $52.9 million.

● Efficiency ratio improved 158 basis points to 52.40%; adjusted efficiency ratio was 51.70% <sup>1</sup> .

● Provision for income tax of $8.5 million, compared to $10.5 million with an effective tax rate of 24.89% and 26.69%, respectively.

● Return on average assets of 1.51%, compared to 1.64%.

● Return on tangible common equity (ROATCE) <sup>1</sup> of 14.20%; adjusted ROATCE <sup>1</sup> of 14.41%.

● On April 15, 2026, we paid down $30 million of the total $60 million subordinated debt outstanding and due in 2031.

● On April 21, 2026, our Board of Directors declared a cash dividend of $0.07 per share of common stock, payable on May 11 , 2026, to stockholders of record as of May 1, 2026.

Chairman, President and Chief Executive Officer Jim Eccher said "Old Second reported strong results in the first quarter of 2026 led by exceptional margin performance and disciplined operating efficiency. Tangible book value per share increased by 1.63% on a linked quarter basis despite the reduction to equity from our stock repurchases of $23.1 million, or 1.2 million shares, during the quarter. Nonperforming assets increased due to a few larger relationships, but we believe we are adequately reserved for any future losses with an Allowance for Credit Losses on loans ("ACL") to total loans of 1.39% and ACL to nonperforming loans of 95.53%. Credit deterioration in the first quarter largely resulted from one downtown Chicago office credit and one cash-flow-dependent commercial relationship. Otherwise results remain solid with first quarter return on average assets and return on average common equity of 1.51% and 11.43%, respectively. The tax equivalent net interest margin expanded to 5.14% and the efficiency ratio was a very healthy 52.40%. This strong bottom-line performance and a well-positioned balance sheet drove an increase in the tangible common equity capital ratio to 11.07% from 11.02% for the prior linked period. We are proud of our performance from both a bottom-line perspective and in positioning ourselves to deliver better results to our stockholders over the remainder of the year."

*1* *Non-GAAP financial measure that management believes is useful in evaluating the financial results of the Company – refer to the non-GAAP reconciliation contained in this release.* 

*2* *All comparisons throughout this release are on a linked-quarter basis, unless otherwise noted.*

------

**Results of Operations:**

Our net income was $25.6 million, or $0.48 per diluted share, for the first quarter of 2026, compared to net income of $28.8 million, or $0.54 per diluted share.

**Loans** declined $66.9 million driven by decreases in commercial real estate, construction, and powersport.

● Total loans were $5.19 billion.

● Average loans (including loans held-for-sale) for the first quarter of 2026 totaled $5.21 billion, reflecting a decrease of $70.9 million.

● Yield on loans, including loans held for sale, declined 5 basis points.

**Credit Quality** key performance metrics were impacted by a few larger credits.

● Nonperforming loans totaled $75.5 million compared to $52.8 million. The increase of $22.7 million was partially driven by $9.8 million of loans past due greater than 90 days, still accruing, which are in the process of renewal.

● Nonperforming loans to total loans was 1.46% compared to 1.01%.

● Classified loans totaled $148.6 million compared to $150.1 million.

● Criticized loans (special mention, substandard and doubtful) to total loans was 3.64% compared to 3.12%. The quarter-over-quarter increase is driven by an increase of $26.4 million in special mention loans, an increase of $14.7 million of nonaccrual loans driven by one large commercial relationship, partially offset by a decrease of $16.2 million in substandard accruing.

● Provision for credit losses of $9.5 million was driven by powersport charge-offs, and larger than normal charge-offs in commercial and commercial real estate; the non-powersport charge-offs were primarily isolated to two loan relationships.

**Deposits** experienced seasonal declines in savings as well as declines in time deposits as higher rate brokered deposits and other exception-priced time deposits assumed from Bancorp Financial, Inc. rolled off.

● Total deposits were $5.56 billion, a decrease of $31.1 million, or 0.56%.

● Cost of deposits decreased 10 basis points to 1.05%.

● Average interest-bearing deposits and non-interest bearing deposits decreased $119.2 million and $42.9 million, respectively.

**Net Interest Margin** continued to be strong, and declines in the cost of funds outweighed softer yields during the quarter.

● Net interest margin on a fully tax-equivalent basis improved 5 basis points.

● Loan yields declined 5 basis points on lower average balances while investment yields increased 4 basis points driven on higher yield outpacing the decline in balance.

● Cost of funds declined 8 basis points driven by lower cost of deposits, specifically a 10-basis point decline on the cost of savings accounts, an 11-basis point decline in the cost of money markets, and a 16-basis point decline in the cost of time deposits.

**Noninterest Income** increased $476,000, or 3.92%, in the first quarter of 2026, excluding mark to market losses on MSR and changes in BOLI cash surrender values, the change was nominal.

● Card related income declined in the period due to a reduction in debit card related fees based on seasonally lower transaction volume.

● Other income growth in the period was driven by an increase in powersport related loan servicing fees and dealer charge-back income.

**Noninterest Expense** decreased $2.7 million or 5.15%.

● $1.3 million decrease in salaries and employee benefits, driven by declines to salaries, officer incentive accruals, and insurance premiums, partially offset by increases in payroll taxes and 401K company match on 2025 incentive payments paid in 2026.

● $1.4 million decrease in computer and data processing due to prior quarter acquisition-related core conversion expenses.

● Efficiency ratio for the quarter was 52.40% compared to 53.98% and the adjusted efficiency ratio <sup>1</sup> was 51.70% compared to 51.28%.

**Capital** continued to grow due to strong net income.

● Stockholders' equity decreased $3.5 million partially comprised of $3.7 million of dividends declared, a $20.0 million increase in treasury stock from share repurchases, and an increase of $2.4 million in AOCI unrealized losses on securities, partially offset by net income of $25.6 million.

● Share repurchases of 1,175,859 shares at an average price paid per share of $19.63, for a total reduction to capital of $23.1 million.

● ROATCE <sup>1</sup> was 14.20% compared to 16.15%.

● Tangible common equity to tangible assets <sup>1</sup> was 11.07% compared to 11.02% .

*1* *Non-GAAP financial measure that management believes is useful in evaluating the financial results of the Company – refer to the non-GAAP reconciliation contained in this release.* 

------

<u>Cautionary Note Regarding Forward</u><u>-</u><u>Looking Statement</u>***s***

This earnings release and statements by our management may contain forward-looking statements within the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by words such as "should," "anticipate," "expect," "estimate," "intend," "believe," "may," "likely," "will," "forecast," "project," "looking forward," "optimistic," "hopeful," "potential," "progress," "prospect," "remain," "deliver," "continue," "trend," "momentum," "remainder," "beyond," "build," and "near" or other statements that indicate future events or expectations. Examples of forward-looking statements include, but are not limited to, statements regarding the economic outlook, balance sheet growth, and building capital. Such forward-looking statements are subject to risks, uncertainties, and other factors, which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements:

● the strength of the United States economy in general and the strength of the local economies in which we conduct our operations may be different than expected;

● the rate of delinquencies and amounts of charge-offs, the level of allowance for credit loss, the rates of loan growth, or adverse changes in asset quality in our loan portfolio, which may result in increased credit risk-related losses and expenses;

● changes in legislation, regulation, policies, or administrative practices, whether by judicial, governmental, or legislative action;

● risks related to pending or future acquisitions, if any, including execution and integration risks;

● adverse conditions in the stock market, the public debt market and other capital markets (including changes in interest rate conditions) could have a negative impact on us;

● changes in interest rates, which have and may continue to affect our deposit and funding costs, net income, prepayment penalty income, mortgage banking income, and other future cash flows, or the market value of our assets, including our investment securities;

● elevated inflation which causes adverse risk to the overall economy, and could indirectly pose challenges to our clients and to our business; and

● the adverse effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as trade disputes, epidemics and pandemics, war or terrorist activities, essential utility outages, deterioration in the global economy, instability in the credit markets, disruptions in our customers' supply chains or disruption in transportation, and disruptions caused by widespread cybersecurity incidents.

Additional risks and uncertainties are contained in the "Risk Factors" and forward-looking statements disclosure in our most recent Annual Report on Form 10-K, and Quarterly Reports on Form 10-Q. The inclusion of this forward-looking information should not be construed as a representation by us or any person that future events, plans, or expectations contemplated by us will be achieved. We undertake no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law.

<u>Conference Call</u>

We will host a call on Thursday, April 23, 2026, at 10:00 a.m. Eastern Time (9:00 a.m. Central Time) to discuss our first quarter 2026 financial results. Investors may listen to our earnings call via a live webcast by accessing the link provided below, or alternatively, on the Events section of the Old Second Investor Relations website (https://investors.oldsecond.com/events). Investors are encouraged to register at the webcast link at least 10 minutes prior to the scheduled start of the call.

Webcast URL: https://www.webcaster5.com/Webcast/Page/2239/53807

A replay of the webcast will be available under the Events section of the Old Second Investor Relations website (https://investors.oldsecond.com/events) for up to one year after the earnings call date.

------

**Non-GAAP Presentations** 

Management has disclosed in this earnings release certain non-GAAP financial measures to evaluate and measure our performance, including the presentation of adjusted net income, net interest income and net interest margin on a fully tax-equivalent basis, and our efficiency ratio calculations on a tax-equivalent basis. The net interest margin on a fully tax-equivalent basis is calculated by dividing net interest income on a tax equivalent basis by average earning assets for the period. Consistent with industry practice, management has disclosed the efficiency ratio including and excluding certain items, which is discussed in the efficiency ratio presentation on page 13.

We consider the use of select non-GAAP financial measures and ratios to be useful for financial and operational decision-making and useful in evaluating period-to-period comparisons. We believe that these non-GAAP financial measures provide meaningful supplemental information regarding our performance by excluding certain expenditures or assets or by adjusting certain items that we believe are not indicative of our primary business operating results or by presenting certain metrics on a fully tax-equivalent basis. We believe these measures provide investors with information regarding balance sheet profitability, and we believe that management and investors benefit from referring to these non-GAAP financial measures in assessing our performance and when planning, forecasting, analyzing, and comparing past, present and future periods.

These non-GAAP financial measures should not be considered as a substitute for GAAP financial measures, and we strongly encourage investors to review the GAAP financial measures included in this earnings release and not to place undue reliance upon any single financial measure. In addition, because non-GAAP financial measures are not standardized, it may not be possible to compare the non-GAAP financial measures presented in this earnings release with other companies' non-GAAP financial measures having the same or similar names. The tables beginning on page 12 provide a reconciliation of each non-GAAP financial measure to the most comparable GAAP equivalent.

------

#### Financial Highlights

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
| *(Dollars in thousands - unaudited)* | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| **Balance sheet summary** |  |  |  |  |  |
| Total assets | $6849221 | $6902675 | $6991754 | $5701294 | $5727686 |
| Total securities available-for-sale | 1115443 | 1090523 | 1157480 | 1177688 | 1146721 |
| Total loans | 5185237 | 5252131 | 5264505 | 3998667 | 3940232 |
| Total deposits | 5564999 | 5596069 | 5760250 | 4798439 | 4852791 |
| Total liabilities | 5955924 | 6005907 | 6125069 | 4982645 | 5033195 |
| Total equity | 893297 | 896768 | 866685 | 718649 | 694491 |
| Total tangible assets | $6697509 | $6749787 | $6836565 | $5588090 | $5613460 |
| Total tangible equity | 741585 | 743880 | 711496 | 605445 | 580265 |
| **Income statement summary** |  |  |  |  |  |
| Net interest income | $81144 | $83051 | $82775 | $64234 | $62904 |
| Provision for credit losses | 9500 | 3000 | 19653 | 2500 | 2400 |
| Noninterest income | 12630 | 12154 | 13109 | 10898 | 10201 |
| Noninterest expense | 50210 | 52935 | 63163 | 43419 | 44505 |
| Net income | 25585 | 28787 | 9871 | 21822 | 19830 |
| Effective tax rate | 24.89% | 26.69% | 24.46% | 25.30% | 24.31% |
| **Profitability ratios** |  |  |  |  |  |
| Return on average assets (ROAA) | 1.51% | 1.64% | 0.56% | 1.53% | 1.42% |
| Return on average equity (ROAE) | 11.43 | 12.92 | 4.61 | 12.39 | 11.76 |
| Net interest margin (tax-equivalent) <sup>1</sup> | 5.14 | 5.09 | 5.05 | 4.85 | 4.88 |
| Efficiency ratio | 52.40 | 53.98 | 64.46 | 55.99 | 56.46 |
| Return on average tangible common equity (ROATCE) <sup>1</sup> | 14.20 | 16.15 | 6.16 | 15.29 | 14.70 |
| Tangible common equity to tangible assets (TCE/TA) <sup>1</sup> | 11.07 | 11.02 | 10.41 | 10.83 | 10.34 |
| **Per share data** |  |  |  |  |  |
| Diluted earnings per share | $0.48 | $0.54 | $0.18 | $0.48 | $0.43 |
| Tangible book value per share | 14.35 | 14.12 | 13.51 | 13.44 | 12.88 |
| **Company capital ratios** <sup>2</sup> |  |  |  |  |  |
| Common equity tier 1 capital ratio | 13.13% | 12.99% | 12.44% | 13.77% | 13.47% |
| Tier 1 risk-based capital ratio | 13.55 | 13.41 | 12.85 | 14.31 | 14.01 |
| Total risk-based capital ratio | 15.64 | 15.46 | 15.10 | 16.55 | 16.24 |
| Tier 1 leverage ratio | 11.88 | 11.70 | 11.21 | 11.83 | 11.58 |
| **Bank capital ratios** <sup>2, 3</sup> |  |  |  |  |  |
| Common equity tier 1 capital ratio | 13.80% | 13.17% | 13.14% | 14.02% | 13.64% |
| Tier 1 risk-based capital ratio | 13.80 | 13.17 | 13.14 | 14.02 | 13.64 |
| Total risk-based capital ratio | 14.88 | 14.22 | 14.39 | 14.99 | 14.58 |
| Tier 1 leverage ratio | 12.09 | 11.49 | 11.45 | 11.59 | 11.27 |

---

<sup>1</sup> *See the discussion entitled "Non-GAAP Presentations" above and the table on pages 12 and 14 that provide a reconciliation of this non-GAAP financial measure to the most comparable GAAP equivalent.*

<sup>2</sup> *Both the Company and the Bank ratios are inclusive of a capital conservation buffer of 2.50%, and both are subject to the minimum capital adequacy guidelines of 7.00%, 8.50%, 10.50%, and 4.00% for the Common equity tier 1, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios, respectively*.

<sup>3</sup> *The prompt corrective action provisions are applicable only at the Bank level, and are 6.50%, 8.00%, 10.00%, and 5.00% for the Common equity tier 1, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios, respectively*.

------

**Old Second Bancorp, Inc. and Subsidiaries**

**Consolidated Balance Sheets**

*(In thousands - unaudited)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $48100 | $51665 | $53099 | $63484 | $52703 |
| Interest earning deposits with financial institutions | 67627 | 72360 | 63426 | 78283 | 203418 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 115727 | 124025 | 116525 | 141767 | 256121 |
| Securities available-for-sale, at fair value | 1115443 | 1090523 | 1157480 | 1177688 | 1146721 |
| Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock | 31350 | 32025 | 28282 | 19087 | 19441 |
| Loans held-for-sale | 4344 | 3645 | 1463 | 3235 | 4202 |
| Loans | 5185237 | 5252131 | 5264505 | 3998667 | 3940232 |
| Less: allowance for credit losses on loans | 72126 | 72301 | 75037 | 42990 | 41551 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans | 5113111 | 5179830 | 5189468 | 3955677 | 3898681 |
| Premises and equipment, net | 85634 | 86645 | 87714 | 85702 | 87466 |
| Other real estate owned, net | 632 | 1427 | 6416 | 6486 | 2878 |
| Mortgage servicing rights, at fair value | 9579 | 9459 | 9549 | 9680 | 9938 |
| Goodwill | 129196 | 129196 | 130262 | 93232 | 93232 |
| Core deposit intangible ("CDI") | 22516 | 23692 | 24927 | 19972 | 20994 |
| Bank-owned life insurance ("BOLI") | 131563 | 130481 | 129057 | 114399 | 113249 |
| Deferred tax assets, net | 31321 | 31276 | 33374 | 20395 | 23684 |
| Other assets | 58805 | 60451 | 77237 | 53974 | 51079 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $6849221 | $6902675 | $6991754 | $5701294 | $5727686 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand | $1755548 | $1739117 | $1738028 | $1704083 | $1713711 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings, NOW, and money market | 2795038 | 2745540 | 2763990 | 2400235 | 2434579 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time | 1014413 | 1111412 | 1258232 | 694121 | 704501 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 5564999 | 5596069 | 5760250 | 4798439 | 4852791 |
| Securities sold under repurchase agreements | 23130 | 23769 | 24290 | 47252 | 38664 |
| Other short-term borrowings | 200000 | 215000 | 165000 | - | - |
| Junior subordinated debentures | 25774 | 25774 | 25774 | 25774 | 25773 |
| Subordinated debentures | 59574 | 59552 | 59531 | 59510 | 59489 |
| Notes payable and other borrowings | 14837 | 14825 | 14812 | - | - |
| Other liabilities | 67610 | 70918 | 75412 | 51670 | 56478 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 5955924 | 6005907 | 6125069 | 4982645 | 5033195 |
| **Stockholders' Equity** |  |  |  |  |  |
| Common stock | 53015 | 53015 | 53015 | 45094 | 45094 |
| Additional paid-in capital | 338418 | 341451 | 340108 | 206207 | 205282 |
| Retained earnings | 559129 | 537231 | 512131 | 505419 | 486300 |
| Accumulated other comprehensive loss, net | (31095) | (28738) | (32294) | (37426) | (41379) |
| Treasury stock | (26170) | (6191) | (6275) | (645) | (806) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 893297 | 896768 | 866685 | 718649 | 694491 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $6849221 | $6902675 | $6991754 | $5701294 | $5727686 |

---

------

**Old Second Bancorp, Inc. and Subsidiaries**

**Consolidated Statements of Income**

*(In thousands, except share data - unaudited)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Interest and dividend income** |  |  |  |  |  |
| Loans, including fees | $87138 | $90925 | $91301 | $61954 | $61595 |
| Loans held-for-sale | 43 | 35 | 31 | 39 | 22 |
| Securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Taxable | 8949 | 9136 | 9872 | 9959 | 9227 |
| &nbsp;&nbsp;&nbsp;&nbsp;Tax exempt | 1155 | 1219 | 1235 | 1229 | 1260 |
| Dividends from FHLBC and FRBC stock | 512 | 390 | 381 | 273 | 473 |
| Interest bearing deposits with financial institutions | 549 | 598 | 1255 | 1784 | 988 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest and dividend income | 98346 | 102303 | 104075 | 75238 | 73565 |
| **Interest expense** |  |  |  |  |  |
| Savings, NOW, and money market deposits | 7147 | 7906 | 9043 | 5606 | 4913 |
| Time deposits | 7217 | 8665 | 10896 | 4508 | 4829 |
| Securities sold under repurchase agreements | 50 | 45 | 60 | 56 | 68 |
| Other short-term borrowings | 1791 | 1644 | 308 | - | 17 |
| Junior subordinated debentures | 296 | 288 | 288 | 288 | 288 |
| Subordinated debentures | 546 | 546 | 547 | 546 | 546 |
| Notes payable and other borrowings | 155 | 158 | 158 | - | - |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 17202 | 19252 | 21300 | 11004 | 10661 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest and dividend income | 81144 | 83051 | 82775 | 64234 | 62904 |
| Provision for credit losses | 9500 | 3000 | 19653 | 2500 | 2400 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest and dividend income after provision for credit losses | 71644 | 80051 | 63122 | 61734 | 60504 |
| **Noninterest income** <sup>1</sup> |  |  |  |  |  |
| Wealth management | 3383 | 3537 | 3515 | 3103 | 3089 |
| Service charges on deposits | 3126 | 3125 | 3202 | 3060 | 2976 |
| Secondary mortgage fees | 121 | 123 | 92 | 84 | 73 |
| Mortgage servicing rights mark to market loss | (152) | (428) | (389) | (531) | (570) |
| Mortgage servicing income | 497 | 444 | 469 | 472 | 480 |
| Net gain on sales of mortgage loans | 555 | 657 | 620 | 550 | 464 |
| Securities gains (losses), net | - | 8 | (1) | - | - |
| Change in cash surrender value of BOLI | 1082 | 834 | 1175 | 690 | 498 |
| Death benefit realized on BOLI | - | - | 430 | - | - |
| Card related income | 2354 | 2548 | 2581 | 2533 | 2241 |
| Other income | 1664 | 1306 | 1415 | 937 | 950 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest income | 12630 | 12154 | 13109 | 10898 | 10201 |
| **Noninterest expense** <sup>1</sup> |  |  |  |  |  |
| Salaries and employee benefits | 29673 | 30996 | 39723 | 26950 | 26993 |
| Occupancy, furniture and equipment | 5371 | 5092 | 4937 | 4477 | 4548 |
| Computer and data processing | 3375 | 4798 | 4002 | 2692 | 2348 |
| FDIC insurance | 759 | 720 | 854 | 642 | 628 |
| Net teller & bill paying | 716 | 701 | 691 | 670 | 658 |
| General bank insurance | 353 | 354 | 437 | 328 | 330 |
| Amortization of core deposit intangible | 1176 | 1235 | 1251 | 1022 | 1037 |
| Advertising and marketing expense | 551 | 437 | 650 | 454 | 229 |
| Card related expense | 1519 | 1652 | 1708 | 1489 | 1380 |
| Professional fees | 1299 | 1265 | 3145 | 1158 | 1095 |
| Consumer credit expense | 1522 | 1451 | 1368 | 15 | 25 |
| Other real estate expense, net | (186) | 81 | 128 | 35 | 1873 |
| Other expense | 4082 | 4153 | 4269 | 3487 | 3361 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total noninterest expense | 50210 | 52935 | 63163 | 43419 | 44505 |
| Income before income taxes | 34064 | 39270 | 13068 | 29213 | 26200 |
| Provision for income taxes | 8479 | 10483 | 3197 | 7391 | 6370 |
| **Net income** | $25585 | $28787 | $9871 | $21822 | $19830 |
| Basic earnings per share | $0.49 | $0.55 | $0.19 | $0.49 | $0.44 |
| Diluted earnings per share | 0.48 | 0.54 | 0.18 | 0.48 | 0.43 |
| Dividends declared per share | 0.07 | 0.07 | 0.06 | 0.06 | 0.06 |

---

<sup>1</sup> *Certain items in prior periods have been reclassified to conform to the current presentation.* 

------

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** | **Analysis of Average Balances,** |
| **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** | **Tax Equivalent Income / Expense and Rates** |
| *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  | *(Dollars in thousands - unaudited)*  |
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
|  | **March 31, 2026** | **March 31, 2026** | **March 31, 2026** | **December 31, 2025** | **December 31, 2025** | **December 31, 2025** | **March 31, 2025** | **March 31, 2025** | **March 31, 2025** |
|  | **Average**  | **Income /** | **Rate** | **Average**  | **Income /** | **Rate** | **Average**  | **Income /** | **Rate** |
|  | **Balance**  | **Expense** | **%** | **Balance**  | **Expense** | **%** | **Balance**  | **Expense** | **%** |
| **Assets** |  |  |  |  |  |  |  |  |  |
| Interest earning deposits with financial institutions | $67571 | $549 | 3.30 | $66430 | $598 | 3.57 | $97645 | $988 | 4.10 |
| Securities: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;Taxable | 969194 | 8949 | 3.74 | 979060 | 9136 | 3.70 | 1026233 | 9227 | 3.65 |
| &nbsp;&nbsp;Non-taxable (TE)<sup>1</sup> | 146299 | 1462 | 4.05 | 150573 | 1543 | 4.07 | 155024 | 1595 | 4.17 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total securities (TE)<sup>1</sup> | 1115493 | 10411 | 3.79 | 1129633 | 10679 | 3.75 | 1181257 | 10822 | 3.72 |
| FHLBC and FRBC Stock | 31540 | 512 | 6.58 | 30085 | 390 | 5.14 | 19441 | 473 | 9.87 |
| Loans and loans held-for-sale<sup>1, 2</sup> | 5207744 | 87194 | 6.79 | 5278643 | 90969 | 6.84 | 3959073 | 61626 | 6.31 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total interest earning assets | 6422348 | 98666 | 6.23 | 6504791 | 102636 | 6.26 | 5257416 | 73909 | 5.70 |
| Cash and due from banks | 48252 | - | - | 52040 | - | - | 52550 | - | - |
| Allowance for credit losses on loans | (71869) | - | - | (73718) | - | - | (43543) | - | - |
| Other noninterest earning assets | 460433 | - | - | 477064 | - | - | 406669 | - | - |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total assets** | $6859164 |  |  | $6960177 |  |  | $5673092 |  |  |
| **Liabilities and Stockholders' Equity** |  |  |  |  |  |  |  |  |  |
| NOW accounts | $697692 | $823 | 0.48 | $682729 | $816 | 0.47 | $628336 | $629 | 0.41 |
| Money market accounts | 946075 | 4148 | 1.78 | 958672 | 4561 | 1.89 | 801178 | 3393 | 1.72 |
| Savings accounts | 1118979 | 2176 | 0.79 | 1123208 | 2529 | 0.89 | 940894 | 891 | 0.38 |
| Time deposits | 1062623 | 7217 | 2.75 | 1179966 | 8665 | 2.91 | 725314 | 4829 | 2.70 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing deposits | 3825369 | 14364 | 1.52 | 3944575 | 16571 | 1.67 | 3095722 | 9742 | 1.28 |
| Securities sold under repurchase agreements | 24795 | 50 | 0.82 | 23464 | 45 | 0.76 | 34529 | 68 | 0.80 |
| Other short-term borrowings | 189056 | 1791 | 3.84 | 159565 | 1644 | 4.09 | 1444 | 17 | 4.77 |
| Junior subordinated debentures | 25774 | 296 | 4.66 | 25774 | 288 | 4.43 | 25773 | 288 | 4.53 |
| Subordinated debentures | 59564 | 546 | 3.72 | 59542 | 546 | 3.64 | 59478 | 546 | 3.72 |
| Notes payable and other borrowings | 14831 | 155 | 4.24 | 14819 | 158 | 4.23 | - | - | - |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total interest bearing liabilities** | 4139389 | 17202 | 1.69 | 4227739 | 19252 | 1.81 | 3216946 | 10661 | 1.34 |
| Noninterest bearing deposits | 1738504 | - | - | 1781374 | - | - | 1703382 | - | - |
| Other liabilities | 73284 | - | - | 67078 | - | - | 69186 | - | - |
| Stockholders' equity | 907987 | - | - | 883986 | - | - | 683578 | - | - |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total liabilities and stockholders' equity** | $6859164 |  |  | $6960177 |  |  | $5673092 |  |  |
| Net interest income (GAAP) |  | $81144 |  |  | $83051 |  |  | $62904 |  |
| Net interest margin (GAAP) |  |  | 5.12 |  |  | 5.07 |  |  | 4.85 |
| Net interest income (TE)<sup>1</sup> |  | $81464 |  |  | $83384 |  |  | $63248 |  |
| Net interest margin (TE)<sup>1</sup> |  |  | 5.14 |  |  | 5.09 |  |  | 4.88 |
| Interest bearing liabilities to earning assets | 64.45% |  |  | 64.99% |  |  | 61.19% |  |  |

---

<sup>1</sup> *Tax equivalent (TE) basis is calculated using a marginal tax rate of 21% in 2026 and 2025. See the discussion entitled "Non-GAAP Presentations" above and the tables beginning on page 12 that provide a reconciliation of each non-GAAP measure to the most comparable GAAP equivalent.*

<sup>2</sup> *Interest income from loans is shown on a TE basis, which is a non-GAAP financial measure as discussed in the table on page 12, and includes loan fee income of $1.9 million for the first quarter of 2026, loan fee income of $1.9 million for the fourth quarter of 2025, and loan fee income of $545,000 for the first quarter of 2025. Nonaccrual loans are included in the above stated average balances.* 

------

#### Loans and Credit Quality

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loans** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
| **(Dollars in thousands)** | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Commercial | $845278 | $842130 | $786095 | $718927 | $732874 |
| Leases  | 539116 | 548256 | 550201 | 524513 | 505455 |
| Commercial real estate – investor | 1169318 | 1212384 | 1257328 | 1118782 | 1105440 |
| Commercial real estate – owner occupied | 702986 | 706567 | 680412 | 652449 | 669964 |
| Construction | 143563 | 173630 | 176387 | 251692 | 205839 |
| Residential real estate – investor | 69763 | 70225 | 69362 | 50976 | 50103 |
| Residential real estate – owner occupied | 239711 | 230432 | 231547 | 220672 | 210239 |
| Multifamily | 357131 | 339131 | 378213 | 333787 | 341253 |
| HELOC | 235637 | 235293 | 234885 | 111265 | 104575 |
| Powersport | 674116 | 696959 | 715498 | - | - |
| Other<sup>1</sup>  | 208618 | 197124 | 184577 | 15604 | 14490 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total loans** | $5185237 | $5252131 | $5264505 | $3998667 | $3940232 |

---

<sup>1</sup> *The "Other" classification includes consumer loans, such as collector cars, manufactured homes, and solar loans, as well as overdrafts.*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Nonperforming assets** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
| **(Dollars in thousands)** | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Nonaccrual loans | $62636 | $47952 | $34126 | $31902 | $33394 |
| Loans past due 90 days or more and still accruing interest | 12868 | 4879 | 13859 | 345 | 1397 |
| &nbsp;&nbsp;&nbsp;&nbsp;Total nonperforming loans | 75504 | 52831 | 47985 | 32247 | 34791 |
| Other real estate owned | 632 | 1427 | 6416 | 6486 | 2878 |
| Repossessed assets <sup>1</sup> | 858 | 1363 | 2088 | 234 | 484 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total nonperforming assets** | $76994 | $55621 | $56489 | $38967 | $38153 |
| 30-89 days past due loans and still accruing interest | $50036 | $52169 | $22415 | $14652 | $21951 |
| Nonaccrual loans to total loans | 1.21% | 0.91% | 0.65% | 0.80% | 0.85% |
| Nonperforming loans to total loans | 1.46% | 1.01% | 0.91% | 0.81% | 0.88% |
| Nonperforming assets to total loans plus OREO and repossessed assets | 1.48% | 1.06% | 1.07% | 0.97% | 0.97% |
| Purchased credit-deteriorated loans to total loans | 1.35% | 1.50% | 1.61% | 0.23% | 0.27% |
| Allowance for credit losses | $72126 | $72301 | $75037 | $42990 | $41551 |
| Allowance for credit losses to total loans | 1.39% | 1.38% | 1.43% | 1.08% | 1.05% |
| Allowance for credit losses to nonaccrual loans | 115.15% | 150.78% | 219.88% | 134.76% | 124.43% |

---

<sup>1</sup> *Repossessed assets are reported in other assets.*

------

The following table shows classified loans by segment, which include nonaccrual loans, PCD loans if the risk rating so indicates, and all other loans considered substandard, for the following periods.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Classified loans** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
| **(Dollars in thousands)** | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Commercial | $50640 | $51587 | $50680 | $23354 | $20807 |
| Leases | 2604 | 2428 | 1277 | 1346 | 848 |
| Commercial real estate – investor | 14959 | 14245 | 2853 | 14752 | 14299 |
| Commercial real estate – owner occupied | 60594 | 64081 | 72020 | 51335 | 26818 |
| Construction | 12983 | 11421 | 1612 | 1624 | 18201 |
| Residential real estate – investor | 1012 | 1142 | 1228 | 1201 | 1283 |
| Residential real estate – owner occupied | 1886 | 1897 | 1839 | 1707 | 1759 |
| Multifamily  | 1489 | 1494 | 1183 | 1099 | 332 |
| HELOC | 1832 | 1466 | 1538 | 1180 | 686 |
| Powersport | 204 | 68 | - | - | - |
| Other<sup>1</sup> | 369 | 270 | 30 | 22 | 10 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Total classified loans** | $148572 | $150099 | $134260 | $97620 | $85043 |

---

<sup>1</sup> *The "Other" classification includes consumer loans, such as collector cars, manufactured homes, and solar loans, as well as overdrafts.*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan charge–offs, net of recoveries** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
| **(Dollars in thousands)** | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Commercial | $1298 | $(44) | $385 | $1093 | $3414 |
| Leases  | 197 | 15 | 848 | (3) | 93 |
| Commercial real estate – Investor | 3919 | (14) | (15) | (14) | (14) |
| Commercial real estate – Owner occupied | (5) | 1125 | (2) | (1) | 39 |
| Construction | - | - | (46) | (337) | 821 |
| Residential real estate – Investor | (2) | (1) | (2) | (2) | (2) |
| Residential real estate – Owner occupied | (7) | (11) | (7) | (8) | (30) |
| Multifamily | - | - | 181 | - | - |
| HELOC | (6) | (49) | (19) | (10) | (12) |
| Powersport | 3894 | 4466 | 2980 | - | - |
| Other <sup>1</sup> | 488 | 494 | 805 | 67 | 44 |
| &nbsp;&nbsp;&nbsp;&nbsp;**Net charge–offs / (recoveries)**  | $9776 | $5981 | $5108 | $785 | $4353 |

---

<sup>1</sup> *The "Other" classification includes consumer loans, such as collector cars, manufactured homes, and solar loans, as well as overdrafts.*

------

**Old Second Bancorp, Inc. and Subsidiaries**

**Quarterly Consolidated Average Balance**

*(In thousands - unaudited)*

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Assets** |  |  |  |  |  |
| Cash and due from banks | $48252 | $52040 | $51357 | $47875 | $52550 |
| Interest earning deposits with financial institutions | 67571 | 66430 | 119619 | 166366 | 97645 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash and cash equivalents | 115823 | 118470 | 170976 | 214241 | 150195 |
| Securities available-for-sale, at fair value | 1115493 | 1129633 | 1165900 | 1190123 | 1181257 |
| Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock | 31540 | 30085 | 25961 | 19200 | 19441 |
| Loans held-for-sale | 2023 | 3254 | 1975 | 2375 | 1343 |
| Loans | 5205721 | 5275389 | 5215374 | 3958275 | 3957730 |
| Less: allowance for credit losses on loans | 71869 | 73718 | 72354 | 41544 | 43543 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net loans | 5133852 | 5201671 | 5143020 | 3916731 | 3914187 |
| Premises and equipment, net | 86260 | 87449 | 88304 | 87081 | 87709 |
| Other real estate owned, net | 853 | 4410 | 6464 | 2099 | 13388 |
| Mortgage servicing rights, at fair value | 9383 | 9490 | 9632 | 9856 | 10211 |
| Goodwill | 129196 | 130135 | 127873 | 93232 | 93253 |
| Core deposit intangible ("CDI") | 23073 | 24281 | 25539 | 20462 | 21490 |
| Bank-owned life insurance ("BOLI") | 130930 | 130151 | 128870 | 113326 | 112848 |
| Deferred tax assets, net | 30342 | 32705 | 30375 | 23549 | 25489 |
| Other assets | 50396 | 58443 | 74364 | 44431 | 42281 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $6859164 | $6960177 | $6999253 | $5736706 | $5673092 |
| **Liabilities** |  |  |  |  |  |
| Deposits: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Noninterest bearing demand | $1738504 | $1781374 | $1782193 | $1729287 | $1703382 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings, NOW, and money market | 2762746 | 2764609 | 2798414 | 2424947 | 2370408 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time | 1062623 | 1179966 | 1347455 | 695946 | 725314 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 5563873 | 5725949 | 5928062 | 4850180 | 4799104 |
| Securities sold under repurchase agreements | 24795 | 23464 | 33382 | 35419 | 34529 |
| Other short-term borrowings | 189056 | 159565 | 25978 | - | 1444 |
| Junior subordinated debentures | 25774 | 25774 | 25774 | 25773 | 25773 |
| Subordinated debentures | 59564 | 59542 | 59521 | 59500 | 59478 |
| Notes payable and other borrowings | 14831 | 14819 | 14806 | - | - |
| Other liabilities | 73284 | 67078 | 61732 | 59580 | 69186 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 5951177 | 6076191 | 6149255 | 5030452 | 4989514 |
| **Stockholders' Equity** |  |  |  |  |  |
| Common stock | 53015 | 53015 | 53015 | 45094 | 45028 |
| Additional paid-in capital | 340459 | 340870 | 339612 | 205706 | 205433 |
| Retained earnings | 551491 | 526910 | 500075 | 497224 | 479011 |
| Accumulated other comprehensive loss, net | (26361) | (30594) | (36823) | (41080) | (44853) |
| Treasury stock | (10617) | (6215) | (5881) | (690) | (1041) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total stockholders' equity | 907987 | 883986 | 849998 | 706254 | 683578 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and stockholders' equity | $6859164 | $6960177 | $6999253 | $5736706 | $5673092 |
| Total Earning Assets | $6422348 | $6504791 | $6528829 | $5336339 | $5257416 |
| Total Interest Bearing Liabilities | 4139389 | 4227739 | 4305330 | 3241585 | 3216946 |

---

------

**Reconciliation of Non-GAAP Financial Measures**

The tables below provide a reconciliation of each non-GAAP financial measure to the most comparable GAAP measure for the periods indicated. Dollar amounts below in thousands:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Net Income and Earnings Per Share - GAAP and Adjusted** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** | **Three Months Ended** |
|  | **March 31,**  | **December 31,**  | **September 30,**  | **June 30,**  | **March 31,**  |
|  | **2026** | **2025** | **2025** | **2025** | **2025** |
| Income before income taxes (GAAP) | $34064 | $39270 | $13068 | $29213 | $26200 |
| Pre-tax income adjustments: |  |  |  |  |  |
| &nbsp;&nbsp;Provision for credit losses - Day Two | - | - | 13153 | - | - |
| &nbsp;&nbsp;Securities (gains) losses, net | - | (8) | 1 | - | - |
| &nbsp;&nbsp;Death benefit related to BOLI | - | - | (430) | - | - |
| &nbsp;&nbsp;MSR losses | 152 | 428 | 389 | 531 | 570 |
| &nbsp;&nbsp;Acquisition related costs, net of (gains) losses on branch sales | 349 | 2296 | 11508 | 810 | 454 |
| &nbsp;&nbsp;Adjusted net income before taxes | 34565 | 41986 | 37689 | 30554 | 27224 |
| Taxes on adjusted net income | 8604 | 11208 | 9326 | 7730 | 6619 |
| Adjusted net income (non-GAAP) | $25961 | $30778 | $28363 | $22824 | $20605 |
| Basic earnings per share (GAAP) | $0.49 | $0.55 | $0.19 | $0.49 | $0.44 |
| Diluted earnings per share (GAAP) | 0.48 | 0.54 | 0.18 | 0.48 | 0.43 |
| Adjusted basic earnings per share (non-GAAP) | 0.49 | 0.59 | 0.54 | 0.50 | 0.46 |
| Adjusted diluted earnings per share (non-GAAP) | 0.49 | 0.58 | 0.53 | 0.50 | 0.45 |
| Total average assets | 6859164 | 6960177 | 6999253 | 5736706 | 5673092 |
| &nbsp;&nbsp;Return on average assets (GAAP) | 1.51% | 1.64% | 0.56% | 1.53% | 1.42% |
| &nbsp;&nbsp;Adjusted return on average assets (non-GAAP) | 1.53 | 1.75 | 1.61 | 1.60 | 1.47 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Net Interest Margin** |  |  |  |  |  |
| Interest income (GAAP) | $98346 | $102303 | $104075 | 75238 | 73565 |
| Taxable-equivalent adjustment: |  |  |  |  |  |
| &nbsp;&nbsp;Loans | 13 | 9 | 10 | 9 | 9 |
| &nbsp;&nbsp;Securities | 307 | 324 | 328 | 327 | 335 |
| &nbsp;&nbsp;Interest income (TE) | 98666 | 102636 | 104413 | 75574 | 73909 |
| Interest expense (GAAP) | 17202 | 19252 | 21300 | 11004 | 10661 |
| Net interest income (TE) | $81464 | $83384 | $83113 | 64570 | 63248 |
| Net interest income (GAAP) | $81144 | $83051 | $82775 | 64234 | 62904 |
| Average interest earning assets | $6422348 | $6504791 | $6528829 | 5336339 | 5257416 |
| &nbsp;&nbsp;Net interest margin (GAAP) | 5.12% | 5.07% | 5.03% | 4.83% | 4.85% |
| &nbsp;&nbsp;Net interest margin (TE) | 5.14% | 5.09% | 5.05% | 4.85% | 4.88% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **GAAP** | **GAAP** | **GAAP** | **GAAP** | **GAAP** |
|  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Efficiency Ratio (GAAP)** |  |  |  |  |  |
| Noninterest expense  | $50210 | $52935 | $63163 | $43419 | $44505 |
| &nbsp;&nbsp;Less amortization of core deposit  | 1176 | 1235 | 1251 | 1022 | 1037 |
| &nbsp;&nbsp;Less other real estate expense, net  | (186) | 81 | 128 | 35 | 1873 |
| &nbsp;&nbsp;Less acquisition related costs, net of losses on branch sales | N/A | N/A | N/A | N/A | N/A |
| Noninterest expense less adjustments | $49220 | $51619 | $61784 | $42362 | $41595 |
| Net interest income  | $81144 | $83051 | $82775 | $64234 | $62904 |
| Taxable-equivalent adjustment: |  |  |  |  |  |
| &nbsp;&nbsp;Loans | N/A | N/A | N/A | N/A | N/A |
| &nbsp;&nbsp;Securities | N/A | N/A | N/A | N/A | N/A |
| Net interest income including adjustments | 81144 | 83051 | 82775 | 64234 | 62904 |
| Noninterest income | 12630 | 12154 | 13109 | 10898 | 10201 |
| &nbsp;&nbsp;Less death benefit related to BOLI | - | - | 430 | - | - |
| &nbsp;&nbsp;Less securities gains (losses) | - | 8 | (1) | - | - |
| &nbsp;&nbsp;Less MSRs mark to market (losses) gains | (152) | (428) | (389) | (531) | (570) |
| Taxable-equivalent adjustment: |  |  |  |  |  |
| &nbsp;&nbsp;Change in cash surrender value of BOLI | N/A | N/A | N/A | N/A | N/A |
| Noninterest income including adjustments | 12782 | 12574 | 13069 | 11429 | 10771 |
| Net interest income including adjustments plus noninterest income including adjustments | $93926 | $95625 | $95844 | $75663 | $73675 |
| Efficiency ratio (GAAP) | 52.40% | 53.98% | 64.46% | 55.99% | 56.46% |

---

N/A - *Not applicable.*

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Non-GAAP** | **Non-GAAP** | **Non-GAAP** | **Non-GAAP** | **Non-GAAP** |
|  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  | **Three Months Ended**  |
|  | **March 31,** <br>**2026** | **December 31,** <br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Adjusted Efficiency Ratio (non-GAAP)** |  |  |  |  |  |
| Noninterest expense  | $50210 | $52935 | $63163 | $43419 | $44505 |
| &nbsp;&nbsp;Less amortization of core deposit  | 1176 | 1235 | 1251 | 1022 | 1037 |
| &nbsp;&nbsp;Less other real estate expense, net  | (186) | 81 | 128 | 35 | 1873 |
| &nbsp;&nbsp;Less acquisition related costs, net of losses on branch sales | 349 | 2296 | 11508 | 810 | 454 |
| Noninterest expense less adjustments | $48871 | $49323 | $50276 | $41552 | $41141 |
| Net interest income  | $81144 | $83051 | $82775 | $64234 | $62904 |
| Taxable-equivalent adjustment: |  |  |  |  |  |
| &nbsp;&nbsp;Loans | 13 | 9 | 10 | 9 | 9 |
| &nbsp;&nbsp;Securities | 307 | 324 | 328 | 327 | 335 |
| Net interest income including adjustments | 81464 | 83384 | 83113 | 64570 | 63248 |
| Noninterest income | 12630 | 12154 | 13109 | 10898 | 10201 |
| &nbsp;&nbsp;Less death benefit related to BOLI | - | - | 430 | - | - |
| &nbsp;&nbsp;Less securities gains (losses) | - | 8 | (1) | - | - |
| &nbsp;&nbsp;Less MSRs mark to market (losses) gains | (152) | (428) | (389) | (531) | (570) |
| Taxable-equivalent adjustment: |  |  |  |  |  |
| &nbsp;&nbsp;Change in cash surrender value of BOLI | 288 | 222 | 312 | 184 | 132 |
| Noninterest income including adjustments | 13070 | 12796 | 13381 | 11613 | 10903 |
| Net interest income including adjustments plus noninterest income including adjustments | $94534 | $96180 | $96494 | $76183 | $74151 |
| Adjusted efficiency ratio (non-GAAP) | 51.70% | 51.28% | 52.10% | 54.54% | 55.48% |

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------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** | **Quarters Ended** |
|  | **March 31,** <br>**2026** | **December 31,**<br>**2025** | **September 30,** <br>**2025** | **June 30,** <br>**2025** | **March 31,** <br>**2025** |
| **Adjusted Return on Average Tangible Common Equity Ratio** |  |  |  |  |  |
| **Net income (GAAP)** | $25585 | $28787 | $9871 | $21822 | $19830 |
| Income before income taxes (GAAP) | $34064 | $39270 | $13068 | $29213 | $26200 |
| Pre-tax income adjustments: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Provision for credit losses - Day Two | - | - | 13153 | - | - |
| &nbsp;&nbsp;&nbsp;Securities (gains) losses, net | - | (8) | 1 | - | - |
| &nbsp;&nbsp;&nbsp;MSR losses | 152 | 428 | 389 | 531 | 570 |
| &nbsp;&nbsp;&nbsp;Merger-related costs, net of gains on branch sales | 349 | 2296 | 11508 | 810 | 454 |
| &nbsp;&nbsp;&nbsp;Death benefit realized on BOLI | - | - | (430) | - | - |
| &nbsp;&nbsp;&nbsp;Amortization of core deposit intangibles | 1176 | 1235 | 1251 | 1022 | 1037 |
| &nbsp;&nbsp;&nbsp;Adjusted net income, excluding intangibles amortization, before taxes | 35741 | 43221 | 38940 | 31576 | 28261 |
| Taxes on adjusted net income | 8896 | 11538 | 9632 | 7989 | 6871 |
| Adjusted net income, excluding intangibles amortization (non-GAAP) | $26845 | $31683 | $29308 | $23587 | $21390 |
| **Total Average Common Equity** | $907987 | 883986 | $849998 | $706254 | $683578 |
| Less average goodwill and intangible assets | 152269 | 154416 | 153412 | 113694 | 114743 |
| Average tangible common equity (non-GAAP) | $755718 | $729570 | $696586 | $592560 | $568835 |
| Return on average common equity (GAAP) | 11.43% | 12.92% | 4.61% | 12.39% | 11.76% |
| Return on average tangible common equity (non-GAAP) | 14.20% | 16.15% | 6.16% | 15.29% | 14.70% |
| Adjusted return on average tangible common equity (non-GAAP) | 14.41% | 17.23% | 16.69% | 15.97% | 15.25% |

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## Exhibit 99.2

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g001.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 Loan Portfolio Disclosures AS OF MARCH 31, 2026 Exhibit 99.2 |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g002.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,384 $53 1.07% Commercial Real Estate Investor $1,169 $15 1.77% Commercial Real Estate Owner Occ. $703 $61 0.69% Construction $144 $13 0.83% Residential Real Estate $309 $3 0.87% Multifamily $357 $2 0.45% HELOC $236 $2 1.51% Powersport $674 - 2.52% Other $209 - 2.27% Total $5,185 $149 1.39% Construction 3% Commercial RE Investor 22% Commercial RE Owner Occ. 14% Commercial (inc. Leases) 27% Multifamily 7% Residential Real Estate 6% HELOC 4% Other (less than $100 million) 4% Powersport 13% Loan Portfolio Composition (in millions) Q1 2026 Loan Portfolio Disclosures Total Loans and Allowance for Credit Losses Trend (in millions) $3,991 $3,981 $3,940 $3,999 $5,265 $5,252 $5,185 $44 $44 $42 $43 $75 $72 $72 $- $10 $20 $30 $40 $50 $60 $70 $80 $- $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Total Loans ACL |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g003.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 Criticized Loans (in millions) 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% $- $50 $100 $150 $200 $250 $300 $350 6/30/22 9/30/22 12/31/22 3/31/23 6/30/23 9/30/23 12/31/23 3/31/24 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Office CRE Healthcare Other Criticized Loans/ Total Loans Q1 2026 Loan Portfolio Disclosures $2,256 $1,802 $4,988 $632 $19,361 $1,076 $1,498 $6,416 $1,427 $484 $484 $234 $2,088 $1,363 $858 $(3000) $2,000 $7,000 $12,000 $17,000 $22,000 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 OREO OREO Under Contract Repossessed Assets OREO and Repossessed Assets (in thousands) |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g004.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4 Participation / Syndication Portfolio Mix (in millions) Participation / Syndication Portfolio Exposure (in millions) Parti / Syndi Portfolio Outstanding SNC Classified Manufacturing C&I $72 - $8 Office CRE $37 - $3 Construction $27 - - Multifamily $26 - - Hotel CRE $17 - - Other (under $15 million) $65 $7 - Total Purchased $244 $7 $11 Manufacturing C&I 29% Office CRE 15% Construction 11% Multifamily 11% Hotel CRE 7% Other (under $15 million) 27% $495 $552 $429 $331 $244 15.4% 13.8% 10.5% 8.0% 4.5% 0.0% 5.0% 10.0% 15.0% 20.0% 25.0% $- $100 $200 $300 $400 $500 $600 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026 Outstanding % of Total Loans Q1 2026 Loan Portfolio Disclosures |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g005.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 Property Type Outstanding LTV Classified Allowance Retail $334 54% $2 1.08% Industrial $262 46% $1 1.24% Office $197 68% $3 3.29% Hotel $78 46% - 1.68% Parking Garage $64 49% - 0.95% Senior Living $63 56% - 1.17% Mixed Use $54 58% $8 6.12% Gas Station/ Convenience $44 50% - 0.93% Other (under $30 million) $73 55% $1 1.42% Total $1,169 54% $15 1.77% Commercial Real Estate Investor Portfolio Composition (in millions) Retail 29% Office 17% Industrial 22% Parking Garage 5% Hotel 7% Senior Living 5% Mixed Use 5% Other (under $50 million) 10% Illinois 56% Wisconsin 8% Texas 6% North Carolina 3% Pennsylvania 3% Oklahoma 3% Other (under $30 million) 21% State Outstanding LTV Classified Illinois $641 57% $15 Wisconsin $95 58% - Texas $72 48% - North Carolina $37 49% - Oklahoma $35 62% - Pennsylvania $33 50% - Florida $29 40% - Other (under $25 million) $227 48% - Total $1,169 54% $15 Q1 2026 Loan Portfolio Disclosures |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g006.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 Location Outstanding LTV Classified Allowance Illinois $162 72% $3 3.78% Chicago $32 69% - 2.68% Suburban $130 72% $3 4.04% Oklahoma $15 64% - 1.28% Texas $9 24% - 1.28% Colorado $6 52% - 1.28% Oregon $4 74% - 1.28% Wisconsin $1 63% - 1.28% Total $197 68% $3 3.29% Office Commercial Real Estate Investor Portfolio Composition (in millions) Illinois - Chicago 16% Illinois - Suburban 66% Oklahoma 8% Other (less than $5 million) 2% Texas 5% Colorado 3% Office Commercial Real Estate Investor Risk Profile (in millions) Q1 2026 Loan Portfolio Disclosures $75 $58 $25 $39 $- $20 $40 $60 $80 < 1 year 1-3 years 3-5 years > 5 years Maturity Outstanding LTV DSCR < 1 year $66 86% 1.44x 1-3 years $57 57% 1.40x 3-5 years $19 66% 1.39x > 5 years $38 54% 1.60x Total $180 68% 1.46x Office Commercial Real Estate by Loan Maturity Office Commercial Real Estate > $1 million  |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g007.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7 Industry Outstanding Classified Allowance Health Care, Social Services $293 $28 0.88% Other Services $82 $5 0.46% Retail Trade $67 - 0.21% Manufacturing $57 $2 0.23% Real Estate, Leasing $49 - 0.26% Accommodation, Food Service $31 $7 1.70% Wholesale Trade $27 $1 0.49% Arts, Entertainment $23 $2 0.89% Other (under $20 million) $74 $16 0.90% Total $703 $61 0.69% Manufacturing 8% Accommodation, Food Service 4% Retail Trade 9% Real Estate, Leasing 7% Healthcare 42% Other Services 12% Other (under $30 million) 18% Commercial Real Estate Owner-Occupied Portfolio Composition (in millions) Health Care, Social Outstanding Classified Allowance Assisted Living $142 $26 1.31% Skilled Nursing $68 - 0.21% Memory Care $49 - 0.31% Independent Living $17 - 0.44% Child Care $6 - 2.07% Other (under $5 million) $11 $2 1.26% Total $293 $28 0.88% Skilled Nursing 23% Assisted Living 48% Memory Care 17% Independent 6% Child Care 2% Other (under $5 million) 4% Q1 2026 Loan Portfolio Disclosures |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g008.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8 Commercial & Industrial Outstanding Classified Manufacturing $412 $14 Construction $203 $9 Administrative, Waste Service $158 $3 Professional $131 - Transportation, Warehousing $111 $17 Real Estate, Leasing $72 - Finance, Insurance $71 $1 Health Care, Social Services $64 - Wholesale Trade $48 $3 Other (under $20 million) $114 $6 Total $1,384 $53 Commercial (including Leases) Portfolio Composition (in millions) Construction 15% Manufacturing 30% Transportation, Warehousing 8% Finance, Insurance 5% Professional 9% Administration, Waste Service 11% Health Care, Social Services 5% Real Estate, Leasing 5% Other (under $50 million) 12% Commercial Revolving Line Utilization (outstanding in millions) $654 $677 $653 $587 $574 $658 $717 $718 55% 56% 55% 52% 53% 55% 57% 57% 30% 35% 40% 45% 50% 55% 60% $400 $450 $500 $550 $600 $650 $700 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 Q1 2026 Loan Portfolio Disclosures |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g009.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9 Origination Tier Outstanding Weighted FICO Portfolio APR % Tier 1 $351 776 7.92% Tier 2 $132 710 10.15% Tier 3 $81 683 12.67% Tier 4 $40 657 14.67% Tier 5 $70 606 17.00% Total $674 729 10.14% Powersport Portfolio Composition (in millions) Tier 1 54% Tier 2 20% Tier 3 11% Tier 4 6% Tier 5 9% Historical Contribution Margin Q1 2026 Loan Portfolio Disclosures Contribution Margin (1) 2021 (EBG) 2022 (EBG) 2023 (EBG) 2024 (EBG) 12/31/2025 3/31/2026 Portfolio APR 7.22% 7.42% 8.13% 9.02% 9.82% 10.14% Net Promo Accretion 1.18% 0.69% 0.41% 0.74% 1.03% 1.30% Participation -0.76% -0.84% -0.87% -0.87% -0.91% -1.08% Net Loss -0.39% -0.62% -1.11% -1.39% -1.76% -2.06% Net Contribution Margin 7.26% 6.65% 6.56% 7.52% 8.19% 8.30% (1) Historical contribution margin represents Evergreen Bank Group (EBG) performance through 6/30/2025. Contribution margin presented after 6/30/2025 excludes purchase accounting adjustments. Asset Type Outstanding % of Total Portfolio APR % New $518 77% 9.48% Used $156 23% 12.37% Total $674 10.14% |

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| | |
|:---|:---|
| &nbsp;&nbsp;![GRAPHIC](osbc-20260422xex99d2g010.jpg) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10 Net Charge-offs (Recoveries) (in thousands) Portfolio 6/30/2025 (Q) 9/30/2025 (Q) 12/31/2025 (Q) 3/31/2026 (Q) 3/31/2026 (TTM) NCO(R) % Commercial (incl. Leases) $1,090 $1,233 ($29) $1,495 $3,789 0.29% Commercial Real Estate Investor ($14) ($15) ($14) $3,928 $3,885 0.32% Commercial Real Estate Owner Occupied ($1) ($2) $1,125 ($14) $1,108 0.17% Construction ($337) ($46) - - ($383) (0.20%) Residential Real Estate ($10) ($9) ($11) ($9) ($39) (0.01%) Multifamily - $181 - - $181 0.05% HELOC ($10) ($19) ($49) ($6) ($84) (0.04%) Powersport $2,980 $4,466 $3,894 $11,340 1.65% Other $67 $805 (1) $493 (1) $488 (1) $1,853 1.28% Total $785 $5,108 $5,981 $9,776 $21,650 0.47% 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 Beginning ACL Balance $43,619 $41,551 $42,990 $75,037 $72,301 Day 1 Credit Mark (PCD) - - $17,540 - - Day 2 Credit Mark (Non-PCD) - - $13,153 - - Plus: Provision $2,285 $2,224 $6,462 $3,245 $9,602 Less: Net Charge-off (Recovery) $4,353 $785 $5,108 $5,981 $9,776 Ending ACL Balance $41,551 $42,990 $75,037 $72,301 $72,126 Allowance for Credit Losses Quarterly Rollforward(2) (in thousands) Q1 2026 Loan Portfolio Disclosures (2) The Allowance for Credit Losses presented excludes the Allowance for Unfunded Commitments, which totaled $2.0 million as of March 31, 2026 and is reported within other liabilities on the Statements of Condition. (1) $481, $332 and $420 in net charge-offs were associated with the Solar consumer portfolio acquired in Evergreen Bank Group acquisition for 9/30/2025, 12/31/2025 and 3/31/2026 respectively.  |

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