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Regulatory & Capital Matters (Tables)

12 Months Ended

Dec. 31, 2024

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels



								Minimum Capital						Well Capitalized
								Adequacy with Capital						Under Prompt Corrective
		Actual						Conservation Buffer, if applicable¹						Action Provisions²
		Amount			Ratio			Amount			Ratio			Amount			Ratio
2024
Common equity tier 1 capital to risk weighted assets
Consolidated		$	607,294		12.82	%		$	331,596		7.00	%			N/A		N/A
Old Second Bank			610,285		12.89				331,419		7.00			$	307,747		6.50	%
Total capital to risk weighted assets
Consolidated			736,492		15.54				497,630		10.50				N/A		N/A
Old Second Bank			654,484		13.82				497,256		10.50				473,577		10.00
Tier 1 capital to risk weighted assets
Consolidated			632,294		13.34				402,886		8.50				N/A		N/A
Old Second Bank			610,285		12.89				402,438		8.50				378,765		8.00
Tier 1 capital to average assets
Consolidated			632,294		11.30				223,821		4.00				N/A		N/A
Old Second Bank			610,285		10.90				223,958		4.00				279,947		5.00

2023
Common equity tier 1 capital to risk weighted assets
Consolidated		$	547,721		11.37	%		$	337,207		7.00	%			N/A		N/A
Old Second Bank			592,413		12.32				336,598		7.00			$	312,556		6.50	%
Total capital to risk weighted assets
Consolidated			677,076		14.06				505,640		10.50				N/A		N/A
Old Second Bank			636,768		13.24				504,990		10.50				480,943		10.00
Tier 1 capital to risk weighted assets
Consolidated			572,721		11.89				409,430		8.50				N/A		N/A
Old Second Bank			592,413		12.32				408,727		8.50				384,684		8.00
Tier 1 capital to average assets
Consolidated			572,721		10.06				227,722		4.00				N/A		N/A
Old Second Bank			592,413		10.41				227,632		4.00				284,540		5.00

¹Amounts are shown inclusive of a capital conservation buffer of 2.50%.

² The prompt corrective action provisions are only applicable at the Bank level. The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”