Old Second Bancorp, Inc. · NASDAQ:OSBC
Old Second Bancorp — Q3 2026 Earnings Presentation
10 slides from Old Second Bancorp's earnings presentation, Oct 21, 2026
Slide 1: Loan Portfolio Disclosures as of September 30, 2026
1 Loan Portfolio Disclosures AS OF SEPTEMBER 30, 2026 Exhibit 99.2
Slide 2: Q3 2026 Loan Portfolio Composition and Allowance Trend
2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,422 $15 1.05% Commercial Real Estate Investor $1,132 $13 1.64% Commercial Real Estate Owner Occ. $684 $27 0.40% Construction $154 $13 0.73% Residential Real Estate $313 $3 0.81% Multifamily $370 $1 0.41% HELOC $246 $2
Slide 3: Criticized Loans and OREO and Repossessed Assets
3 Criticized Loans (in millions) 0.00% 1.00% 2.00% 3.00% 4.00% 5.00% 6.00% 7.00% 8.00% $- $50 $100 $150 $200 $250 $300 $350 3/31/23 6/30/23 9/30/23 12/31/23 3/31/24 6/30/24 9/30/24 12/31/24 3/31/25 6/30/25 9/30/25 12/31/25 3/31/26 6/30/26 9/30/26 Office CRE Healthcare Other Criticized Loans/ Total L
Slide 4: Participation / Syndication Portfolio Mix and Exposure
4 Participation / Syndication Portfolio Mix (in millions) Participation / Syndication Portfolio Exposure (in millions) Parti / Syndi Portfolio Outstanding SNC Classified Manufacturing C&I $39 - - Multifamily $36 - - Retail CRE $26 - - Healthcare $24 - - Office CRE $17 - - Hotel CRE $15 - - Administr
Slide 5: Commercial Real Estate Investor Portfolio Composition
5 Property Type Outstanding LTV Classified Allowance Retail $341 54% $2 1.01% Industrial $243 49% - 1.06% Office $152 68% - 2.22% Senior Living $109 58% - 1.11% Parking Garage $76 49% - 0.85% Hotel $67 61% - 1.52% Other (under $50 million) $144 68% $11 4.51% Total $1,132 57% $13 1.64% Commercial Rea
Slide 6: Office Commercial Real Estate Investor Portfolio Composition
6 Location Outstanding LTV Classified Allowance Illinois $124 70% - 2.49% Chicago $22 74% - 2.42% Suburban $102 69% - 2.40% Oklahoma $15 64% - 0.84% Colorado $6 51% - 0.84% Oregon $4 73% - 0.84% Georgia $2 59% - 0.84% Wisconsin $1 63% - 0.84% Total $152 68% - 2.22% Office Commercial Real Estate Inve
Slide 7: Commercial Real Estate Owner-Occupied Portfolio Composition
7 Industry Outstanding Classified Allowance Health Care, Social Services $275 $2 0.22% Other Services $75 $4 0.44% Retail Trade $62 - 0.34% Manufacturing $57 - 0.30% Real Estate, Leasing $33 - 0.23% Wholesale Trade $34 - 0.13% Accommodation, Food Service $31 $7 1.64% Arts, Entertainment $26 $2 0.37%
Slide 8: Commercial (including Leases) Portfolio Composition
8 Commercial & Industrial Outstanding Classified Manufacturing $411 - Construction $229 $5 Administrative, Waste Service $180 - Professional $126 - Finance, Insurance $102 - Transportation, Warehousing $93 - Real Estate, Leasing $76 - Health Care, Social Services $56 $1 Wholesale Trade $44 $3 Other
Slide 9: Powersport Portfolio Composition and Contribution Margin
9 Origination Tier Outstanding Weighted FICO Portfolio APR % Tier 1 $366 777 7.99% Tier 2 $130 711 10.24% Tier 3 $80 684 12.77% Tier 4 $39 660 14.73% Tier 5 $74 606 17.01% Total $689 730 10.24% Powersport Portfolio Composition (in millions) Tier 1 53% Tier 2 19% Tier 3 11% Tier 4 6% Tier 5 11% Histo
Slide 10: Net Charge-offs (Recoveries) and ACL Rollforward
10 Net Charge-offs (Recoveries) (in thousands) Portfolio 12/31/2025 (Q) 3/31/2026 (Q) 6/30/2026 (Q) 9/30/2026 (Q) 9/30/2026 (TTM) NCO(R) % Commercial (incl. Leases) ($29) $1,495 $3,327 $9,343 $14,136 0.99% Commercial Real Estate Investor ($14) $3,919 $2,804 ($14) $6,695 0.59% Commercial Real Estate