OLD SECOND BANCORP INC: insider trades · United States · SEC (Form 4)

About OLD SECOND BANCORP INC

Old Second Bancorp Inc. (ticker: OSBC) is a U.S. bank holding company listed on the NASDAQ in the United States. It is the parent company of Old Second National Bank, a community-focused banking franchise with deep roots in Illinois and a primary footprint in the greater Chicago/Aurora region and surrounding markets. Founded in 1871, the company was organized as a Delaware corporation in 1981 and is headquartered in Aurora, Illinois. For international investors, OSBC is best viewed as a regional banking platform rather than a large diversified national financial institution. The company’s core business is commercial banking, supported by a broad mix of retail and business deposit and lending products. On the funding side, Old Second offers checking accounts, savings accounts, money market products, certificates of deposit, and related deposit solutions for consumers and businesses. On the lending side, the portfolio includes commercial and industrial loans, commercial real estate, construction and development financing, residential mortgage lending, home equity lines, and selected consumer lending products. The bank also provides trust and wealth management services, which adds a fee-income layer to the traditional spread-based banking model. Old Second’s competitive position is built around relationship banking, local market knowledge, and a long-standing regional brand. Its franchise competes with other community banks, larger Midwest regional banks, and non-bank financial providers across lending and deposit gathering. In practice, the company’s differentiation comes from local underwriting discipline, customer proximity, and the ability to serve small and mid-sized businesses, professionals, and households in its core markets. Geographically, the group is concentrated in the United States, with operations centered in Illinois and a strong presence in the Chicago metropolitan area. That concentration gives the company meaningful local franchise value, but it also means earnings and balance-sheet trends remain tied to regional economic conditions, deposit competition, credit quality, and the interest-rate environment. Recent developments have been important. In 2025, Old Second announced a strategic combination with Evergreen Bank Group through Bancorp Financial, a transaction designed to expand scale and strengthen its market position. More recently, 2025 financial results reflected acquisition-related integration costs and balance-sheet changes associated with that deal. Overall, OSBC looks like a disciplined regional banking consolidator with a long operating history, a community-banking identity, and a strategy focused on selective expansion in its core Midwestern markets.