XML 48 R35.htm IDEA: XBRL DOCUMENT

Regulatory & Capital Matters (Tables)

3 Months Ended

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

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.”