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Regulatory & Capital Matters (Tables) | 3 Months Ended
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Mar. 31, 2025
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 | ​
March 31, 2025 | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Common equity tier 1 capital to risk weighted assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | $ | 624,400 | ​ | 13.47 | % | ​ | $ | 324,484 | ​ | 7.00 | % | ​ | ​ | N/A | ​ | N/A | ​
Old Second Bank | ​ | ​ | 632,124 | ​ | 13.64 | ​ | ​ | ​ | 324,404 | ​ | 7.00 | ​ | ​ | $ | 301,232 | ​ | 6.50 | %
Total capital to risk weighted assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | ​ | 752,967 | ​ | 16.24 | ​ | ​ | ​ | 486,832 | ​ | 10.50 | ​ | ​ | ​ | N/A | ​ | N/A | ​
Old Second Bank | ​ | ​ | 675,692 | ​ | 14.58 | ​ | ​ | ​ | 486,609 | ​ | 10.50 | ​ | ​ | ​ | 463,438 | ​ | 10.00 | ​
Tier 1 capital to risk weighted assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | ​ | 649,400 | ​ | 14.01 | ​ | ​ | ​ | 393,997 | ​ | 8.50 | ​ | ​ | ​ | N/A | ​ | N/A | ​
Old Second Bank | ​ | ​ | 632,124 | ​ | 13.64 | ​ | ​ | ​ | 393,919 | ​ | 8.50 | ​ | ​ | ​ | 370,747 | ​ | 8.00 | ​
Tier 1 capital to average assets | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Consolidated | ​ | ​ | 649,400 | ​ | 11.58 | ​ | ​ | ​ | 224,318 | ​ | 4.00 | ​ | ​ | ​ | N/A | ​ | N/A | ​
Old Second Bank | ​ | ​ | 632,124 | ​ | 11.27 | ​ | ​ | ​ | 224,356 | ​ | 4.00 | ​ | ​ | ​ | 280,445 | ​ | 5.00 | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
December 31, 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 | ​
​ 1 Amounts 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.”

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