XML 77 R62.htm IDEA: XBRL DOCUMENT
v3.22.4

Loans and Allowance for Credit Losses on Loans (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020
Allowance for loan losses: |  |  |
Beginning Balance | $ 44,281 | $ 33,855 | $ 19,789
(Release of) Provision for Credit Losses | 6,750 | 2,795 | 9,166
Charge-offs | 2,460 | 5,933 | 3,068
Recoveries | 909 | 1,489 | 2,089
Ending Balance | 49,480 | 44,281 | 33,855
Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 12,075 |  |
(Release of) Provision for Credit Losses |  |  | 5,879
Ending Balance |  | 12,075 |
Commercial |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 11,751 | 2,812 | 3,015
(Release of) Provision for Credit Losses | 273 | 2,389 | 72
Charge-offs | 151 | 963 | 39
Recoveries | 95 | 352 | 56
Ending Balance | 11,968 | 11,751 | 2,812
Commercial | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 7,161 |  |
(Release of) Provision for Credit Losses |  |  | (292)
Ending Balance |  | 7,161 |
Leases |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,480 | 3,888 | 1,262
(Release of) Provision for Credit Losses | (246) | (339) | 2,233
Charge-offs | 371 | 69 | 206
Recoveries | 2 |  | 98
Ending Balance | 2,865 | 3,480 | 3,888
Leases | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
(Release of) Provision for Credit Losses |  |  | 501
Commercial real estate - Investor |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 10,795 | 7,899 | 6,218
(Release of) Provision for Credit Losses | 1,199 | 3,665 | 2,769
Charge-offs | 1,401 | 2,724 | 512
Recoveries | 81 | 78 | 165
Ending Balance | 10,674 | 10,795 | 7,899
Commercial real estate - Investor | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 1,877 |  |
(Release of) Provision for Credit Losses |  |  | (741)
Ending Balance |  | 1,877 |
Commercial real estate - Owner occupied |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 4,913 | 3,557 | 3,678
(Release of) Provision for Credit Losses | 10,117 | 147 | 1,793
Charge-offs | 133 | 1,797 | 1,763
Recoveries | 104 | 235 | 697
Ending Balance | 15,001 | 4,913 | 3,557
Commercial real estate - Owner occupied | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,771 |  |
(Release of) Provision for Credit Losses |  |  | (848)
Ending Balance |  | 2,771 |
Real estate - construction |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,373 | 4,054 | 513
(Release of) Provision for Credit Losses | (1,827) | (783) | 2,095
Charge-offs |  |  | 60
Recoveries |  |  | 172
Ending Balance | 1,546 | 3,373 | 4,054
Real estate - construction | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 102 |  |
(Release of) Provision for Credit Losses |  |  | 1,334
Ending Balance |  | 102 |
Residential real estate - Investor |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 760 | 1,740 | 601
(Release of) Provision for Credit Losses | (22) | (1,294) | 350
Charge-offs |  |  | 8
Recoveries | 30 | 291 | 57
Ending Balance | 768 | 760 | 1,740
Residential real estate - Investor | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 23 |  |
(Release of) Provision for Credit Losses |  |  | 740
Ending Balance |  | 23 |
Residential real estate - Owner occupied |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,832 | 2,714 | 1,257
(Release of) Provision for Credit Losses | (1,010) | (176) | (107)
Charge-offs | 2 |  | 43
Recoveries | 226 | 158 | 287
Ending Balance | 2,046 | 2,832 | 2,714
Residential real estate - Owner occupied | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 136 |  |
(Release of) Provision for Credit Losses |  |  | 1,320
Ending Balance |  | 136 |
Multifamily |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 3,675 | 3,625 | 1,444
(Release of) Provision for Credit Losses | (1,285) | 233 | 449
Charge-offs |  | 183 |
Recoveries | 63 |  |
Ending Balance | 2,453 | 3,675 | 3,625
Multifamily | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
(Release of) Provision for Credit Losses |  |  | 1,732
HELOC |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 2,510 | 1,948 | 1,161
(Release of) Provision for Credit Losses | (844) | 340 | (933)
Charge-offs |  | 17 | 193
Recoveries | 140 | 234 | 387
Ending Balance | 1,806 | 2,510 | 1,948
HELOC | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 5 |  |
(Release of) Provision for Credit Losses |  |  | 1,526
Ending Balance |  | 5 |
Other |  |  |
Allowance for loan losses: |  |  |
Beginning Balance | 192 | 1,618 | 640
(Release of) Provision for Credit Losses | 395 | (1,387) | 445
Charge-offs | 402 | 180 | 244
Recoveries | 168 | 141 | 170
Ending Balance | $ 353 | $ 192 | 1,618
Other | Accounting Standards Update 2016-13 |  |  |
Allowance for loan losses: |  |  |
(Release of) Provision for Credit Losses |  |  | $ 607

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 https://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 https://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 https://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 https://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 https://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 https://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 https://asc.fasb.org/extlink&oid=126954810&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 https://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 https://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_AdjustmentsForNewAccountingPronouncementsAxis=us-gaap_AccountingStandardsUpdate201613Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

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=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |