XML 56 R45.htm IDEA: XBRL DOCUMENT
v3.22.1

Loans and Allowance for Credit Losses on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended |
--- | --- | ---
Mar. 31, 2022 | Mar. 31, 2021 | Dec. 31, 2021
Allowance for loan losses: |  |  |
Beginning Balance | $ 44,281 | $ 33,855 |
Provision for (Release of) Credit Losses | 320 | (3,470) |
Charge-offs | 514 | 42 |
Recoveries | 221 | 624 |
Ending Balance | 44,308 | 30,967 |
Allowance for credit loss unfunded commitment, purchase accounting adjustment | 1,500 |  |
Commercial |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 11,751 | 2,812 |
Provision for (Release of) Credit Losses | 825 | 446 |
Charge-offs | 30 | 2 |
Recoveries | 30 | 20 |
Ending Balance | 12,576 | 3,276 |
Leases |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,480 | 3,888 |
Provision for (Release of) Credit Losses | (907) | (506) |
Ending Balance | 2,573 | 3,382 |
Commercial real estate - Investor |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 13,093 | 9,205 |
Provision for (Release of) Credit Losses | 2,679 | (1,317) |
Charge-offs | 236 |  |
Recoveries | 23 | 20 |
Ending Balance | 15,559 | 7,908 |
Commercial real estate - Owner occupied |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,615 | 2,251 |
Provision for (Release of) Credit Losses | 768 | (734) |
Charge-offs | 121 | 3 |
Recoveries | 8 | 208 |
Ending Balance | 3,270 | 1,722 |
Real estate - construction |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,373 | 4,054 |
Provision for (Release of) Credit Losses | (515) | (335) |
Ending Balance | 2,858 | 3,719 |
Residential real estate - Investor |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 760 | 1,740 |
Provision for (Release of) Credit Losses | (67) | (203) |
Recoveries | 10 | 266 |
Ending Balance | 703 | 1,803 |
Residential real estate - Owner occupied |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,832 | 2,714 |
Provision for (Release of) Credit Losses | (965) | (235) |
Recoveries | 83 | 49 |
Ending Balance | 1,950 | 2,528 |
Multifamily |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,675 | 3,625 |
Provision for (Release of) Credit Losses | (698) | 640 |
Ending Balance | 2,977 | 4,265 |
HELOC |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,379 | 1,749 |
Provision for (Release of) Credit Losses | (820) | (48) |
Charge-offs |  | 12 |
Recoveries | 35 | 24 |
Ending Balance | 1,594 | 1,713 |
HELOC - Purchased |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 131 | 199 |
Provision for (Release of) Credit Losses | (50) | 96 |
Ending Balance | 81 | 295 |
Other |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 192 | 1,618 |
Provision for (Release of) Credit Losses | 70 | (1,274) |
Charge-offs | 127 | 25 |
Recoveries | 32 | 37 |
Ending Balance | 167 | 356 |
Unfunded Loan Commitment |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 4,500 |  |
Ending Balance | 4,200 | $ 3,500 |
Allowance for credit loss unfunded commitment, purchase accounting adjustment | $ 1,500 |  | $ 1,700

X
- Definition Amount of purchase accounting adjustment of allowance for credit loss unfunded commitment. + References No definition available. + Details
Name: | osbc_AllowanceForCreditLossUnfundedCommitmentPurchaseAccountingAdjustment
Namespace Prefix: | osbc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=122038336&loc=d3e74567-122707 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=121614798&loc=d3e15032-111544 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
Name: | us-gaap_LoansAndLeasesReceivableAllowance
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of expense related to estimated loss from loan and lease transactions. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3602-108585 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 220 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(2) -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 + Details
Name: | us-gaap_ProvisionForLoanAndLeaseLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_FinanceLeasesPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_CommercialRealEstateInvestorMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_CommercialRealEstateOwnerOccupiedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_RealEstateInvestorMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_RealEstateOwnerOccupiedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_MultiFamilyLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_HomeEquityMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=osbc_HelocPurchasedMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnfundedLoanCommitmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |