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Old Second Bancorp (OSBC) guidance and outlook
Old Second Bancorp's 10-Q filed Nov 4, 2026 makes 8 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 4, 2026
- We will continue to control the cost of funds by monitoring market activity as well as allowing previously mentioned exception-priced deposits and the brokered CDs acquired from Bancorp Financial to runoff naturally.
- While our loan prices are targeted to achieve certain returns on equity, significant competition for commercial and industrial loans as well as commercial real estate loans has put pressure on loan yields, and our stringent underwriting standards limit our ability to make higher-yielding loans in these loan types.
- We continue to oversee and seek to manage our loan portfolio in accordance with interagency guidance on risk management.
- These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt and carry the distinct possibility that we will sustain some loss if the deficiencies remain uncorrected.
- The provision for credit losses, which includes a provision for losses on unfunded commitments, is a charge to earnings to maintain the allowance for credit losses (“ACL”) at a level consistent with management’s assessment of expected losses in the loan portfolio at the balance sheet date.
- In management’s judgment, an adequate ACL has been established to encompass the current lifetime expected credit losses at September 30, 2026, as well as general changes in lending policy, procedures and staffing, and other external factors.
- We expect brokered and exception-priced time deposits to roll off at a slower pace and anticipate that our reliance on short-term borrowings will continue at a similar rate.
- Brokered deposits totaling $115.0 million were assumed in the acquisition of Bancorp Financial, and we expect these deposits to run-off by early 2028.
Old Second Bancorp's latest quarter
Old Second Bancorp, Q3 2026: revenue $97.1M (+1% year over year), operating margin 39.9%, net earnings $28.9M, operating cash flow $64.8M. The chart follows the revenue to costs, profit and cash.
Questions
What does Old Second Bancorp expect?
We will continue to control the cost of funds by monitoring market activity as well as allowing previously mentioned exception-priced deposits and the brokered CDs acquired from Bancorp Financial to runoff naturally. While our loan prices are targeted to achieve certain returns on equity, significant competition for commercial and industrial loans as well as commercial real estate loans has put pressure on loan yields, and our stringent underwriting standards limit our ability to make higher-yielding loans in these loan types. We continue to oversee and seek to manage our loan portfolio in acc
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.