Business Context and Reporting Period
Company: Old Second Bancorp, Inc.
Filing Type: Form 8-K (Current Report)
Date of Report: January 21, 2026
Reporting Period: Fourth quarter ended December 31, 2025
The filing serves as a notification that the Company issued a press release on January 21, 2026, announcing its financial results for the fourth quarter of 2025. The report also includes loan portfolio disclosures as of December 31, 2025.
Key Financial Metrics
The provided text is a cover page and index for the Form 8-K and does not contain specific financial data points. The actual figures for revenue, profit, cash flow, margins, debt, and liquidity are located in the attached exhibits (Exhibit 99.1 and 99.2) which are not included in the source text.
- Revenue/Profit: Not provided in source text.
- Cash Flow/Liquidity: Not provided in source text.
- Debt/Margins: Not provided in source text.
Material Changes
The filing text does not provide specific details regarding material changes in financial condition or operations compared to the prior comparable period. It only references the issuance of the press release containing this information.
Guidance, Outlook, and Risks
The source text does not contain management commentary, forward-looking guidance, specific risk factors, or details on contingencies. These items are referenced as being part of the attached press release (Exhibit 99.1) and loan portfolio disclosures (Exhibit 99.2).
Investor Verification Checklist
- Review Exhibit 99.1 (Press Release) for specific Q4 2025 revenue, net income, and earnings per share figures.
- Examine Exhibit 99.2 for detailed loan portfolio composition and credit quality metrics as of December 31, 2025.
- Verify any management commentary regarding 2026 outlook or strategic initiatives contained in the press release.
- Confirm the status of the Company's liquidity position and capital ratios as disclosed in the full press release.