OLD SECOND BANCORP INC 8-K

What Happened
Old Second Bancorp, Inc. (OSBC) filed a Form 8-K on January 21, 2026 announcing its financial results for the fourth quarter ended December 31, 2025. The filing attaches the company's press release announcing those results and separate loan portfolio disclosures, providing investors with the bank’s reported quarterly performance and updated credit information.

Key Details

• Filing: Form 8-K dated January 21, 2026 (Item 2.02 — Results of Operations and Financial Condition).
• Exhibits attached: Exhibit 99.1 — press release dated January 21, 2026; Exhibit 99.2 — loan portfolio disclosures as of December 31, 2025.
• Technical exhibit: Inline XBRL cover page included (Exhibit 104).
• Report signed by Bradley S. Adams, Executive VP, COO and CFO, on behalf of the company.

Why It Matters
This 8-K provides the company’s quarterly earnings information and detailed loan portfolio data investors use to assess profitability and credit quality. The press release will contain the headline financial metrics (earnings, revenue, expense items) and the loan disclosures give more detail on loan mix, delinquencies, and allowances—items that can affect future earnings and capital. Retail investors should review the attached press release and loan disclosures to see the specific numbers and trends disclosed for Q4 2025.