Filing Flows › Old Second Bancorp (OSBC) › How it makes money
How Old Second Bancorp (OSBC) makes money
Old Second Bancorp (OSBC) made $97.1M of revenue in the third quarter 2026 (Q3 2026), +1% from a year earlier. Net interest income brought in $84.0M (87%); Noninterest income brought in $13.1M (13%). Of every dollar of revenue, 40¢ was left as operating profit, 30¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $84.0M | 86.5% | +0.9% | +2% |
| Noninterest income | $13.1M | 13.5% | -1% | -0.3% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $97.1M | 100.0% |
| Operating profit | $38.7M | 39.9% |
| Income tax | $9.8M | 10.1% |
| Net earnings | $28.9M | 29.8% |
| Operating cash flow | $64.8M | 66.7% |
| Free cash flow | $64.2M | 66.1% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $97.1M | +1% |
From Old Second Bancorp's 10-Q filed Nov 4, 2026 (on EDGAR).
Questions
How does Old Second Bancorp make money?
Old Second Bancorp (OSBC) made $97.1M of revenue in the third quarter 2026 (Q3 2026), +1% from a year earlier. Net interest income brought in $84.0M (87%); Noninterest income brought in $13.1M (13%). Of every dollar of revenue, 40¢ was left as operating profit, 30¢ was left as net earnings.
What is Old Second Bancorp's biggest business?
Net interest income: $84.0M in the third quarter 2026, 87% of revenue, +2% from a year earlier.
What is Old Second Bancorp's profit margin?
Net earnings were $28.9M, 29.8% of revenue, in the third quarter 2026; the operating margin was 39.9%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.