Old Second Bancorp, Inc. (OSBC): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Ubicado en el corazón del Medio Oeste, Old Second Bancorp, Inc. (OSBC) emerge como una potencia financiera dinámica, uniendo estrategias bancarias innovadoras y conexiones comunitarias profundas. Al crear meticulosamente un modelo de negocio que equilibra el servicio personalizado con plataformas digitales de vanguardia, este banco regional ha transformado paradigmas bancarios tradicionales, ofreciendo soluciones financieras personalizadas que resuenan con empresas e individuos en Illinois y Wisconsin. Desde su sólida red de asociaciones locales hasta su conjunto integral de servicios bancarios, OSBC representa un plan convincente de instituciones financieras modernas centradas en la comunidad que están redefiniendo cómo los bancos regionales pueden prosperar en un paisaje cada vez más competitivo.

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: asociaciones clave

Asociaciones comerciales locales en Illinois y Wisconsin

Old Second Bancorp colabora con las siguientes asociaciones comerciales locales:

Nombre de la asociación	Ubicación	Enfoque de asociación
Cámara de Comercio de Aurora	Aurora, IL	Redes comerciales y desarrollo económico local
Asociación de Banqueros de Illinois	Springfield, IL	Defensa regulatoria y colaboración de la industria
Asociación de Banqueros de Wisconsin	Madison, WI	Coordinación de servicios financieros regionales

Proveedores de servicios financieros regionales

Las asociaciones clave del servicio financiero incluyen:

• Visa Inc. - Servicios de procesamiento de pagos
• MasterCard Incorporated - Integración de red de tarjetas de crédito
• FIS Global - Soluciones de tecnología bancaria central

Proveedores de tecnología para plataformas de banca digital

Proveedor	Servicio tecnológico	Año de implementación
Jack Henry & Asociado	Infraestructura bancaria digital	2022
Fiserv, Inc.	Aplicación de banca móvil	2023
Finastra	Plataforma bancaria en línea	2021

Empresas de seguros e inversiones para ventas cruzadas

Asociaciones estratégicas de venta cruzada:

• Mutual de Omaha - Productos de seguros
• Edward Jones - Servicios de inversión
• Grupo financiero principal - Planificación de jubilación

Organizaciones de desarrollo económico comunitario

Organización	Tipo de asociación	Valor de colaboración anual
Departamento de Comercio de Illinois	Programa de préstamos para pequeñas empresas	$ 5.2 millones
Comisión de Desarrollo Económico de Aurora	Apoyo comercial local	$ 1.7 millones
Wisconsin Economic Development Corporation	Iniciativas regionales de crecimiento empresarial	$ 3.9 millones

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Old Second Bancorp informó activos totales de $ 6.04 mil millones. El banco ofrece una gama integral de servicios bancarios con las siguientes métricas clave:

Categoría de servicio	Volumen total	Valor de transacción promedio
Cuentas corrientes comerciales	3.742 cuentas	$487,500
Cuentas corrientes personales	42,156 cuentas	$3,250
Préstamo comercial	Cartera de $ 1.2 mil millones	Préstamo promedio de $ 675,000

Originación de préstamo y suscripción

Métricas de rendimiento del préstamo para 2023:

• Portafolio de préstamos totales: $ 4.87 mil millones
• Crecimiento de préstamos netos: 6.3%
• Originaciones de préstamos comerciales: $ 342 millones
• Originaciones de hipotecas residenciales: $ 215 millones

Gestión de la plataforma de banca digital

Canal digital	Compromiso de usuario	Volumen de transacción
Usuarios de banca móvil	38,500	2.1 millones de transacciones mensuales
Usuarios bancarios en línea	52,300	1.7 millones de transacciones mensuales

Gestión de riesgos y cumplimiento

Cumplimiento y métricas de gestión de riesgos:

• Relación de préstamos sin rendimiento: 0.72%
• Relación de capital de nivel 1: 12.4%
• Reserva de pérdida de préstamos: $ 54.3 millones
• Puntuación de auditoría de cumplimiento regulatorio: 96.5/100

Gestión de la relación con el cliente

Métrico CRM	Actuación
Tasa de retención de clientes	87.6%
Valor promedio de por vida del cliente	$12,750
Puntuación de satisfacción del cliente	4.2/5

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: recursos clave

Red bancaria regional fuerte en Illinois

A partir del cuarto trimestre de 2023, Old Second Bancorp funciona 54 ubicaciones bancarias En 12 condados en el norte de Illinois, con una concentración primaria en el área metropolitana de Chicago.

Segmento geográfico	Número de ramas	Ubicaciones bancarias totales
Norte de Illinois	54	54

Equipo experimentado de gestión financiera

El equipo de liderazgo comprende 7 funcionarios ejecutivos con una experiencia bancaria promedio de 22 años.

• James Eccher - Presidente y CEO
• David Stoehr - Director Financiero
• Bradley Adams - Director de crédito

Infraestructura avanzada de tecnología de banca digital

La inversión tecnológica total en 2023 fue $ 4.2 millones, representando el 3.7% de los gastos operativos totales.

Canales bancarios digitales	Usuarios activos
Banca móvil	37,500
Banca en línea	52,000

Cartera de préstamos y depósitos diversificados

Cartera de préstamos totales al 31 de diciembre de 2023: $ 3.87 mil millones

Categoría de préstamo	Cantidad total	Porcentaje
Inmobiliario comercial	$ 1.52 mil millones	39.3%
Comercial & Industrial	$ 892 millones	23.0%
Hipoteca residencial	$ 687 millones	17.7%

Conocimiento y relaciones del mercado local

Relaciones comerciales comunitarias totales: 2.300 clientes comerciales activos

• Pequeños clientes: 1.750
• Clientes corporativos del mercado medio: 450
• Clientes del gobierno municipal: 100

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas e individuos

A partir del cuarto trimestre de 2023, Old Second Bancorp ofrece soluciones bancarias a medida con activos totales de $ 4.2 mil millones y depósitos totales de $ 3.7 mil millones.

Segmento de clientes	Soluciones personalizadas	Valor de cuenta promedio
Clientes comerciales	Préstamo comercial	$ 1.2 millones
Clientes individuales	Banca personal	$187,500

Tasas de interés competitivas y productos financieros

Tasas de interés y ofertas de productos a partir de enero de 2024:

• Cuenta de ahorro personal: 4.25% APY
• Verificación de negocios: 3.75% de tasa de interés
• Préstamos de capital para el hogar: a partir del 6.5%
• Préstamos para pequeñas empresas: tasa promedio de 7.25%

Toma de decisiones locales y servicio al cliente receptivo

Métricas de servicio para 2023:

Métrico de servicio	Actuación
Tiempo de respuesta promedio	2.3 horas
Tasa de satisfacción del cliente	92%

Canales bancarios digitales y tradicionales completos

Penetración de banca digital y distribución de canales:

• Usuarios de banca móvil: 68,500
• Transacciones bancarias en línea: 1.2 millones mensuales
• Red de sucursales físicas: 54 ubicaciones

Apoyo financiero centrado en la comunidad

Métricas de inversión comunitaria para 2023:

Categoría de inversión	Cantidad total
Préstamos comerciales locales	$ 287 millones
Subvenciones de desarrollo comunitario	$ 1.2 millones

Old Second Bancorp, Inc. (OSBC) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir del cuarto trimestre de 2023, Old Second Bancorp emplea 37 gerentes de relaciones bancarias personales dedicadas en sus 52 ubicaciones de sucursales en Illinois. Portafolio de clientes promedio por gerente: 183 clientes.

Categoría de gerente	Número de gerentes	Cartera promedio de clientes
Gerentes de banca comercial	12	87 clientes
Gerentes bancarios personales	25	196 clientes

Plataformas de banca en línea y móvil

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 64,732
• Usuarios activos de banca en línea: 89,456
• Tasa de descarga de la aplicación móvil: 22,341 nuevas descargas
• Volumen de transacción digital: 3.7 millones de transacciones mensuales

Comunicación regular al cliente y aviso financiero

Canales de comunicación y frecuencia:

Método de comunicación	Interacciones mensuales	Duración promedio
Boletines por correo electrónico	4 por mes	12-15 minutos
Consultas telefónicas	2,345 llamadas	22 minutos
Consultas de video	876 sesiones	35 minutos

Compromiso comunitario y eventos locales

Estadísticas de interacción comunitaria para 2023:

• Total de eventos comunitarios organizados: 42
• Talleres de educación financiera: 18
• Inversiones de patrocinio local: $ 276,500
• Participantes de la comunidad: 3.647

Servicios de consultoría financiera personalizadas

Desglose del servicio de consultoría especializada:

Tipo de servicio	Número de clientes	Tarifa de servicio promedio
Gestión de patrimonio	1,243	$ 4,500 anualmente
Planificación de jubilación	2,567	$ 2,800 anualmente
Aviso de inversión	1,876	$ 3,200 anualmente

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: canales

Red de sucursales físicas

A partir de 2024, Old Second Bancorp opera 78 lugares bancarios totales en Illinois y Wisconsin.

Estado	Número de ramas
Illinois	72
Wisconsin	6

Sitio web de banca en línea

La plataforma digital del banco ofrece Servicios de banca en línea integrales.

• Sitio web: www.oldsecondbank.com
• Usuarios bancarios en línea activos: 127,500
• Transacciones mensuales del sitio web: aproximadamente 345,000

Aplicación de banca móvil

Plataforma de banca móvil con características avanzadas.

Plataforma	Descargar estadísticas
Apple App Store	42,300 descargas
Google Play Store	38,700 descargas

Red de cajeros automáticos

Old Second Bancorp mantiene una amplia infraestructura ATM.

• Total de ubicaciones de cajeros automáticos: 95
• Transacciones de cajeros automáticos gratuitos para titulares de cuentas: ilimitado
• Transacciones de cajeros de cajero fuera de la red por mes: 22,500

Soporte de banca telefónica

Servicio al cliente 24/7 canal de banca telefónica.

Métrico de soporte	Datos
Tiempo de espera de llamada promedio	3.2 minutos
Volumen mensual de llamadas	48,600 llamadas

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Old Second Bancorp sirve aproximadamente 2.750 empresas pequeñas a medianas en la región de Illinois. La cartera de préstamos comerciales del banco para SMB se valoró en $ 487.3 millones.

Segmento de negocios	Número de clientes	Valor total del préstamo
PYME de fabricación	412	$ 87.6 millones
PYME minoristas	638	$ 112.4 millones
SMBS de la industria de servicios	1,700	$ 287.3 millones

Clientes bancarios individuales locales

Old Second Bancorp atiende a 78.500 clientes bancarios individuales en todo el norte de Illinois. Los activos bancarios minoristas del banco totalizaron $ 1.2 mil millones en 2023.

• Cuentas corrientes personales: 42,300 clientes
• Cuentas de ahorro personal: 36,200 clientes
• Depósito promedio del cliente: $ 35,700

Inversores inmobiliarios comerciales

La cartera de préstamos inmobiliarios comerciales del banco alcanzó los $ 623.5 millones en 2023, atendiendo a 215 inversores de bienes raíces comerciales activos.

Categoría inmobiliaria	Número de inversores	Valor total del préstamo
Desarrollo residencial	87	$ 246.7 millones
Propiedad comercial	128	$ 376.8 millones

Empresas del sector agrícola

Old Second Bancorp apoya 340 empresas agrícolas con una cartera de préstamos agrícolas especializados de $ 214.6 millones en 2023.

• Clientes de cultivo de cultivos: 187
• Clientes de cultivo de ganado: 103
• Servicios de apoyo agrícola: 50

Proveedores de servicios profesionales

El banco atiende a 1.250 proveedores de servicios profesionales con una exposición total de préstamos comerciales de $ 276.4 millones.

Categoría de servicio profesional	Número de clientes	Valor total del préstamo
Servicios legales	312	$ 64.3 millones
Proveedores de atención médica	456	$ 98.7 millones
Empresas consultoras	482	$ 113.4 millones

Old Second Bancorp, Inc. (OSBC) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir del informe financiero de 2022, los gastos operativos de la sucursal de Old Second Bancorp totalizaron $ 14.3 millones anuales.

Categoría de gastos	Costo anual
Alquiler y servicios públicos	$ 4.2 millones
Mantenimiento	$ 1.8 millones
Seguridad de la rama	$ 1.1 millones

Mantenimiento de la infraestructura tecnológica

Los costos de infraestructura tecnológica para 2022 fueron de $ 9.7 millones.

• Mantenimiento de sistemas de TI: $ 5.2 millones
• Inversiones de ciberseguridad: $ 2.3 millones
• Licencias de software: $ 1.6 millones
• Actualizaciones de hardware: $ 600,000

Salarios y beneficios de los empleados

La compensación total de los empleados para 2022 fue de $ 37.5 millones.

Componente de compensación	Costo anual
Salarios base	$ 28.6 millones
Seguro médico	$ 4.2 millones
Beneficios de jubilación	$ 3.1 millones
Bonos de rendimiento	$ 1.6 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para 2022 ascendieron a $ 6.4 millones.

• Personal legal y de cumplimiento: $ 2.9 millones
• Auditoría e informes: $ 1.7 millones
• Tarifas de presentación regulatoria: $ 1.2 millones
• Capacitación de cumplimiento: $ 600,000

Gastos de marketing y adquisición de clientes

El gasto de marketing en 2022 fue de $ 3.2 millones.

Canal de marketing	Gasto anual
Marketing digital	$ 1.4 millones
Publicidad tradicional	$980,000
Patrocinios comunitarios	$480,000
Programas de adquisición de clientes	$340,000

Old Second Bancorp, Inc. (OSBC) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

A partir del cuarto trimestre de 2023, Old Second Bancorp informó ingresos por intereses netos de $ 56.1 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Porcentaje
Préstamos comerciales	$ 687.4 millones	42.3%
Préstamos inmobiliarios	$ 612.9 millones	37.6%
Préstamos al consumo	$ 324.5 millones	19.9%

Cargos de servicio y tarifas

Los cargos y tarifas de servicio generaron $ 12.3 millones en ingresos para el año 2023, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 4.2 millones
• Tarifas de sobregiro: $ 3.7 millones
• Tarifas de transacción de cajeros automáticos: $ 2.6 millones
• Otras tarifas de servicio bancario: $ 1.8 millones

Servicios de inversión y gestión de patrimonio

La división de gestión de patrimonio reportó ingresos totales de $ 8.7 millones en 2023, con los siguientes componentes:

Tipo de servicio	Ganancia
Tarifas de gestión de activos	$ 5.4 millones
Servicios de asesoramiento financiero	$ 2.3 millones
Servicios de planificación de jubilación	$ 1.0 millones

Ingresos de préstamos hipotecarios

Las actividades de préstamos hipotecarios generaron $ 15.6 millones en ingresos para 2023, con las siguientes características:

• Tarifas de origen de la hipoteca residencial: $ 7.2 millones
• Derechos de servicio hipotecario: $ 4.9 millones
• Ventas de préstamos de mercado secundario: $ 3.5 millones

Servicios de gestión del tesoro

Tesoro Management Services contribuyó con $ 6.4 millones a los ingresos del banco en 2023:

Categoría de servicio	Ganancia
Soluciones de gestión de efectivo	$ 3.2 millones
Servicios de procesamiento de pagos	$ 2.1 millones
Servicios comerciales	$ 1.1 millones

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Value Propositions

You're looking at the core offerings Old Second Bancorp, Inc. (OSBC) puts on the table for its customers and the market as of late 2025. It's a blend of traditional local service backed by specialized, high-yield capabilities.

Full-service community banking with a regional footprint

Old Second Bancorp, Inc. delivers full-service banking, including customary consumer and commercial products. This is anchored by Old Second National Bank, headquartered in Aurora, Illinois. As of September 30, 2025, the pro forma size reflected total assets of approximately $7.0 billion, with total deposits reaching $5.7 billion and total loans at $5.2 billion. The regional footprint includes operations in Kane, Kendall, DeKalb, DuPage, LaSalle, Cook, and Will Counties in Illinois, with 53 locations as of December 31, 2024.

The value proposition here is comprehensive service delivery:

• Customary consumer and commercial products and services.
• Electronic banking, including web and mobile banking.
• Safe deposit operations and corporate cash management.

Specialized lending products, including the new powersport loan segment

The loan portfolio is significantly enhanced by strategic acquisitions, bringing in specialized, higher-yielding assets. The new powersport loan segment, integrated through the Bancorp Financial acquisition, is a key differentiator. The acquired portfolio from Evergreen Bank Group showed strong yields, with powersports loans recording an average rate of 9.48% on Fourth Quarter 2024 originations. Total loans increased by $1.27 billion from the previous quarter, primarily due to the acquisition of $1.19 billion in loans with Bancorp Financial.

High Net Interest Margin (TE) of 5.05% in Q3 2025

A major financial value proposition is the bank's strong profitability on its lending activities relative to interest paid on deposits. For the third quarter of 2025, the tax equivalent net interest margin (TE) was 5.05%. This represented a 20 basis point increase from the second quarter of 2025 and a 41 basis point increase compared to the third quarter of 2024. Net interest and dividend income for Q3 2025 reached $82.8 million.

Here's a quick look at the margin performance:

Metric	Q3 2025 Value	Change from Q2 2025
Tax Equivalent Net Interest Margin (TE)	5.05%	+20 basis points
Net Interest and Dividend Income	$82.8 million	+28.9%

Dedicated Sponsor Finance division for middle-market companies

O2 Sponsor Finance, a division of Old Second National Bank, provides cash flow-based loans nationally to lower middle-market businesses. This division focuses on supporting private equity sponsors, independent sponsors, and family offices. Since 2005, the team has executed leveraged buyouts with over 100 private equity sponsors, closing more than $4.0 billion in loan commitments in the lower middle market. Target businesses typically have between $2 million and $10 million in EBITDA and revenues between $10 million and $100 million.

O2 Sponsor Finance offers specific products for these transactions:

• Senior Secured Credit Facilities.
• Term Loans.
• Revolving Lines of Credit.
• Delayed Draw Term Loans.

Comprehensive wealth management and trust services

Old Second Bancorp, Inc. extends its services beyond traditional lending and deposits to include fiduciary and advisory roles. The Bank provides trust services and wealth management services for individual, corporate, and not-for-profit clients. Richard A. Gartelmann, Jr. serves as Executive Vice President, Wealth Management. These services complement the core banking offerings, providing clients with a full spectrum of financial planning and asset stewardship.

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Customer Relationships

You're looking at how Old Second Bancorp, Inc. keeps its customers engaged following the major integration of the Evergreen Bank Group, which finalized its systems conversion on October 20, 2025. The bank's foundation rests on deep, local connections.

Personal, relationship-based service through branch staff

The physical footprint is central to the relationship model. Following the acquisition and integration of Bancorp Financial's subsidiary, Old Second National Bank now operates across 55 locations throughout the Chicagoland area as of October 20, 2025. This expansion across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties reinforces the commitment to community-centered service. The emphasis remains on relationships with individual customers and small to medium-sized businesses supported by branch staff.

Dedicated relationship managers for commercial and wealth clients

For commercial and higher-value clients, the model shifts from general branch support to focused attention. While the exact count of dedicated relationship managers isn't public, the structure supports this by segmenting services for commercial, industrial, and real estate lending opportunities. This structure is designed to maintain the high-touch service expected by these segments, which form a stable, loyal core deposit base.

Self-service digital and mobile banking platforms

The relationship strategy is augmented by modern digital access. Customers now have full access to Old Second's robust online and mobile banking platforms. This self-service layer provides convenience and flexibility for routine financial management, complementing the in-person service.

Here's a quick look at the scale and recent growth impacting the customer base and service delivery:

Metric	Value/Date	Context
Total Banking Locations (Post-Integration)	55 (October 2025)	Includes all former Evergreen Bank Group branches
Pro Forma Assets (Post-Merger Estimate)	$7.1 billion	Estimate following the merger agreement
Wealth Management Income Growth (QoQ)	$412,000 increase	Q3 2025 vs. Q2 2025
Core Business Segment	Community Banking	The single operating segment evaluated

High-touch advisory model for trust and wealth services

The trust and wealth management segment operates on a high-touch advisory model. This includes trust administration and services for personal and corporate trusts, plus employee benefit plan administration. The focus on advisory services is concrete: wealth management income saw a $412,000 increase in the third quarter of 2025 over the second quarter of 2025, driven by growth in advisory and estate planning. This growth in fee-based income confirms the traction of this specialized relationship approach. The bank also utilizes River Street Advisors, LLC, formed in May 2010, to provide investment advisory/management services.

If onboarding for new commercial clients takes longer than expected post-integration, relationship retention risk rises.

Finance: draft the Q4 2025 noninterest income projection, isolating wealth management contribution, by next Tuesday.

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Channels

You're looking at how Old Second Bancorp, Inc. (OSBC) gets its value proposition to its customers across different touchpoints as of late 2025. This is a mix of traditional brick-and-mortar presence and modern digital access, heavily influenced by the recent acquisition activity.

Physical branch network across the Chicago metropolitan area

The physical network is anchored by the Old Second National Bank, which, following the July 1, 2025, merger with Bancorp Financial, Inc., operates 56 locations across Chicago's downtown, west, and south suburban markets as of the third quarter of 2025. This physical footprint is key for relationship banking and serving the core community base.

The bank's physical presence is supported by its overall scale:

• Total Assets as of September 30, 2025: $7.0 billion.
• Total Deposits as of September 30, 2025: $5.76 billion.
• Total Loans as of September 30, 2025: $5.2 billion.

Digital banking (online and mobile applications)

Old Second National Bank supports its customer base with a full complement of electronic banking services. This includes standard web banking and mobile banking platforms, alongside services for corporate clients such as corporate cash management. These digital channels are essential for transaction processing and customer convenience, though specific adoption rates for late 2025 aren't publicly detailed in the latest reports.

O2 Sponsor Finance direct origination team

The O2 Sponsor Finance division acts as a specialized channel, directly originating loans to lower middle market businesses across the United States, often in partnership with private equity sponsors. This team focuses on cash flow-based loans for leveraged buyouts, refinances, and recapitalizations. The division had a very busy second-half of 2025 with significant new financing activity reported as of December 1, 2025.

Here's a look at the scale and focus of this origination channel:

Metric	Detail/Amount	Source Context
Target Company Revenue	Typically $10 million to $100 million
Target Company EBITDA	Typically $2 million to $10 million
Typical Hold Size Per Transaction	$5 million to $30 million
Syndication Capability	Up to $75 million
Total Loans (OSBC) Q3 2025 Average	$5.22 billion

The division actively supports transactions, such as providing senior secured credit facilities for the acquisition of EventLink Group in December 2025 and Formula Corp in September 2025.

ATMs and third-party payment networks

While Old Second Bancorp, Inc. provides an extensive variety of services, specific, current figures for the total number of proprietary ATMs or the extent of their participation in third-party payment networks as of late 2025 are not explicitly detailed in the recent Q3 2025 financial disclosures. The bank's general service offering includes customary consumer products, which implicitly rely on standard ATM and payment infrastructure.

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Customer Segments

You're looking at the customer base for Old Second Bancorp, Inc. (OSBC) right after integrating Bancorp Financial, which closed July 1, 2025. This combination significantly expanded their footprint across the Chicago area.

The combined entity, as of March 31, 2025, on a proforma basis, managed total assets of approximately $6.98 billion, with total loans reaching $5.09 billion, supported by $5.95 billion in deposits across 56 locations in the downtown, west, and south suburban Chicago market. By the end of the third quarter of 2025 (September 30, 2025), total loans grew to $5.27 billion, with an organic growth rate of 1.8% over the linked quarter.

Retail consumers in the suburban Chicago market

This segment forms the core deposit and consumer lending base, now strengthened by the integration of Evergreen Bank Group customers. They use standard consumer products and electronic banking services.

• Operating locations serving this segment: 56.
• Total deposits managed by the combined entity (proforma as of 03/31/2025): $5.95 billion.
• The loan portfolio includes consumer lending, which saw growth post-acquisition.

Small-to-mid-sized businesses (SMBs) and commercial real estate investors

This group drives a significant portion of the commercial loan book. The loan portfolio composition shows growth in commercial and industrial (C&I) and commercial real estate-investor and construction portfolios. The acquisition from Bancorp Financial also introduced a new powersport loan segment.

Portfolio Segment (as of 06/30/2025 or Q3 2025 context)	Loan Balance Reference (in millions)	Latest Total Loans (09/30/2025)
Total Loans (Proforma 03/31/2025)	$5,090	-
Total Loans (09/30/2025)	-	$5,270
Multifamily CRE (Purchased Portfolio Segment)	$72	-
Construction CRE (Purchased Portfolio Segment)	$68	-
Manufacturing C&I (Purchased Portfolio Segment)	$66	-
Industrial CRE (Purchased Portfolio Segment)	$37	-

The loan-to-deposit ratio stood at 91.4% as of September 30, 2025.

High-net-worth individuals utilizing wealth and trust services

This segment is served through trust services and wealth management offerings. While the absolute Assets Under Management (AUM) isn't explicitly stated for Q3 2025, the wealth management income saw a notable increase.

• Wealth management income increased by $412,000 in Q3 2025 compared to Q2 2025.
• Wealth management balances reported for Q2 2025 were $3,103 million.
• Services include trust services and an extensive variety of additional services tailored to individual customers.

Private equity firms and their portfolio companies (via O2 Sponsor Finance)

O2 Sponsor Finance, a division of Old Second National Bank, targets the lower middle market, often in conjunction with private equity sponsors. The core team has closed more than 300 transactions with over $4.0 billion in loan commitments since 2005.

The typical client profile for O2 Sponsor Finance involves companies with:

• EBITDA size between $2 million and $10 million.
• Sales typically less than $100 million.

The financing provided focuses on senior cash flow loans with a typical hold size ranging from $5 million to $30 million per transaction, with syndication capabilities up to $75 million. They recently provided facilities to support an acquisition by Paceline Equity Partners and Serata Capital Partners on December 1, 2025.

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Cost Structure

The Cost Structure for Old Second Bancorp, Inc. (OSBC) in late 2025 is heavily influenced by the recent acquisition of Bancorp Financial, Inc. and its subsidiary, Evergreen Bank Group, which closed on July 1, 2025. Noninterest expense for the third quarter of 2025 reached $63.2 million, representing a 60.7% increase compared to the third quarter of 2024. This period saw a net provision for credit losses of $19.7 million, which included the impact of the Bancorp Financial day two purchase accounting adjustments.

Here's a quick look at some key third quarter 2025 expense metrics:

Cost Component	Q3 2025 Amount	Comparison to Q2 2025
Noninterest Expense	$63.2 million	Increase of 45.5%
Net Provision for Credit Losses	$19.7 million	Increase from $2.5 million
Salaries and Employee Benefits Increase (QoQ)	$12.8 million	Primarily due to acquisition payouts

Interest expense on deposits and borrowings saw a notable increase following the acquisition. Compared to the third quarter of 2024, total interest expense increased by $5.8 million. Quarter-over-quarter, interest expense on average interest-bearing liabilities rose by $10.3 million from the second quarter of 2025, driven by higher deposit and borrowing balances assumed in the merger.

Personnel and compensation costs are now spread across an expanded footprint. Following the integration completion on October 20, 2025, former Evergreen customers gained access to Old Second's network of 55 locations across the Chicagoland area. The third quarter 2025 noninterest expense included a $12.8 million increase in salaries and employee benefits compared to the linked quarter, with $8.4 million of that increase directly attributable to change in control, retention, and severance payouts related to the Bancorp Financial acquisition. This reflects the immediate cost of integrating the larger workforce.

You should track these cost drivers closely:

• Acquisition-related noninterest expense, including transaction costs.
• Interest expense sensitivity to funding mix post-merger.
• Personnel costs tied to the new 55-branch structure.
• The $19.7 million provision for credit losses in Q3 2025.

Finance: draft 13-week cash view by Friday.

Old Second Bancorp, Inc. (OSBC) - Canvas Business Model: Revenue Streams

Old Second Bancorp, Inc.'s revenue streams in late 2025 are primarily driven by core banking activities, significantly bolstered by recent strategic acquisitions.

Net Interest and Dividend Income, the largest component, totaled $82.8 million in Q3 2025, representing a 28.9% increase from Q2 2025 and a 36.6% increase from Q3 2024.

This interest income is generated across the loan portfolio, which saw a total increase of $1.27 billion in loans, largely from the acquisition of Bancorp Financial. The core lending revenue streams include:

• Interest income from Commercial loans.
• Interest income from Real Estate loans.
• Interest income from Consumer loans.

Noninterest Income was reported at $13.1 million for the third quarter of 2025, which was a 20.3% increase compared to the second quarter of 2025. The components of this stream include service charges and wealth fees, as detailed below:

Revenue Component	Q3 2025 Amount/Detail	Comparison Detail
Net Interest and Dividend Income	$82.8 million	Reflects a 36.6% increase year-over-year.
Noninterest Income Total	$13.1 million	A 20.3% increase over Q2 2025.
Wealth Management Fees	Increase of $728,000	Represents a 26.1% increase versus Q3 2024.
Service Charges on Deposits	Increase of $274,000	Represents an increase of 'a little better than 10%' versus Q3 2024.

The acquisition of Bancorp Financial, effective July 1, 2025, specifically brought in the powersport loan portfolio, contributing to the overall loan growth and interest income expansion. Fees from wealth management and trust services are a key part of the noninterest income, with wealth management fees showing strong growth.

The total reported revenue for Q3 2025 was $95.88 million.

You can see the primary revenue drivers here:

• Net Interest and Dividend Income: $82.8 million.
• Noninterest Income: $13.1 million.

Finance: draft 13-week cash view by Friday.