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Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 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
September 30, 2025
Common equity tier 1 capital to risk weighted assets
Consolidated		$	746,583		12.44	%		$	420,103		7.00	%			N/A		N/A
Old Second National Bank			787,478		13.14				419,509		7.00			$	389,544		6.50	%
Total capital to risk weighted assets
Consolidated			906,617		15.10				630,429		10.50				N/A		N/A
Old Second National Bank			862,376		14.39				629,253		10.50				599,288		10.00
Tier 1 capital to risk weighted assets
Consolidated			771,583		12.85				510,386		8.50				N/A		N/A
Old Second National Bank			787,478		13.14				509,404		8.50				479,439		8.00
Tier 1 capital to average assets
Consolidated			771,583		11.21				275,320		4.00				N/A		N/A
Old Second National Bank			787,478		11.45				275,101		4.00				343,877		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 National 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 National 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 National 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 National 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.”