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Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 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
June 30, 2025
Common equity tier 1 capital to risk weighted assets
Consolidated		$	645,493		13.77	%		$	328,137		7.00	%			N/A		N/A
Old Second Bank			656,886		14.02				327,974		7.00			$	304,548		6.50	%
Total capital to risk weighted assets
Consolidated			775,776		16.55				492,184		10.50				N/A		N/A
Old Second Bank			702,169		14.99				491,846		10.50				468,425		10.00
Tier 1 capital to risk weighted assets
Consolidated			670,493		14.31				398,266		8.50				N/A		N/A
Old Second Bank			656,886		14.02				398,255		8.50				374,828		8.00
Tier 1 capital to average assets
Consolidated			670,493		11.83				226,709		4.00				N/A		N/A
Old Second Bank			656,886		11.59				226,708		4.00				283,385		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.”