Old Second Bancorp, Inc. · NASDAQ:OSBC
Old Second Bancorp — Shareholder Meeting (May 2026)
25 slides from Old Second Bancorp's shareholder meeting presentation, May 19, 2026
Slide 1: 2026 Annual Meeting
2026 Annual Meeting May 19, 2026 James Eccher Chairman, President & CEO Bradley Adams EVP, Chief Operating Officer & Chief Financial Officer
Slide 2: Call to Order
Call to Order
Slide 3: Presenters
Presenters PAGE 3 James Eccher Chairman, President & CEO, OSBC President & CEO, OSNB jeccher@oldsecond.com 630-966-2433 Brad Adams Executive VP, Chief Operating Officer & Chief Financial Officer badams@oldsecond.com 630-906-5484 NASDAQ: OSBC May 19, 2026
Slide 4: Board of Directors
Board of Directors PAGE 4 Edward Bonifas Darin Campbell Gary Collins James Eccher Barry Finn Dennis Klaeser Keith Kotche Billy Lyons, Jr. Hugh McLean Patti Temple Rocks John Williams, Jr. Jill York
Slide 5: Appointed Proxies for Management
Appointed Proxies for Management PAGE 5 Bradley Adams Gary Collins
Slide 6: Secretary of the Annual Meeting
Secretary of the Annual Meeting PAGE 6 Melissa Jordan
Slide 7: Quorum Represented / Notice of Meeting
Quorum Represented / Notice of Meeting PAGE 7 Inspector of Election Shirley Cantrell, Stockholder Relations Manager
Slide 8: Proposal 1: Election of Directors
Proposal 1 Proposal 1 Election of Directors • Darin Campbell • Billy J. Lyons, Jr. • Patti Temple Rocks • John Williams, Jr.
Slide 9: Proposal 2: Advisory Vote on Executive Compensation
Proposal 2 Non-Binding Advisory Vote, To Approve the Compensation of Our Named Executive Officers
Slide 10: Proposal 3: Ratification of Independent Accountants
Proposal 3 Ratification of Our Independent Registered Public Accountants
Slide 11: 2026 Annual Meeting Financials Review
2026 Annual Meeting Financials Review As of March 31, 2026
Slide 12: Forward-Looking Statements
Forward-Looking Statements PAGE 12 CAUTIONARY NOTE REGARDING FORWARD‐LOOKING STATEMENTS This report and other publicly available documents of Old Second Bancorp, Inc. (“Old Second” or the “Company”) contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act
Slide 13: Forward-Looking Statements (continued)
Forward-Looking Statements (continued) PAGE 13 changes in accounting standards, rules and interpretations and the related impact on our financial statements; our ability to receive dividends from our subsidiaries; a decrease in our regulatory capital ratios or negative changes in our capital p
Slide 14: Creating the Leading Community Bank in Chicago
Creating the Leading Community Bank in Chicago PAGE 14 Chicago MSA Footprint as of 03/31/2026 Enhanced Scale In Attractive Markets $6.8B $5.2B $5.6B Assets Gross Loans Deposits Improved Profitability & Operating Efficiency 1.51% 14.20% 1.05% YTD Return YTD Return on YTD Cost on Average Average Tangi
Slide 15: Historical Financial Highlights
Historical Financial Highlights PAGE 15 YTD March 2022 2023 2024 2025 2026 Deposit Composition Q1-2026 Total Assets ($000) 5,888,317 5,722,799 5,649,377 6,902,675 6,849,221 Total Net Loans ($000) 3,820,129 3,998,689 3,937,717 5,179,830 5,113,111 Total Deposits ($000) 5,110,723 4,570,746 4,768,731 5,
Slide 16: Top Tier Community Bank Franchise
Top Tier Community Bank Franchise PAGE 16 Premier Deposit Franchise Well-Positioned Balance Sheet YTD Cost of Deposits Uninsured Deposits(1) Loans / Deposits Cash + AFS Securities(2) Change in NIM (From Prior Year like Period)(3) 1.05% 26.2% 93.2% 18.0% + 0.27% Strong Financial Performance Efficienc
Slide 17: Thank you for your attendance!
Thank you for your attendance!
Slide 18: Appendix 1: Supplemental Financial Data
Appendix 1: Supplemental Financial Data As of March 31, 2026
Slide 19: Equity and Risk Based Capital Measures
Equity and Risk Based Capital Measures PAGE 19 Years Ended YTD March 2022 2023 2024 2025 2026 ($ in thousands, except per share data) Tier 1 capital (1) Total equity before non-CECL adjustments and deductions $ 463,994 $ 579,182 $ 671,984 $ 896,768 $ 893,297 Tier 1 adjustments: Trust preferred secur
Slide 20: Equity and Risk Based Capital Measures
Equity and Risk Based Capital Measures PAGE 20 Years Ended YTD March 2022 2023 2024 2025 2026 ($ in thousands, except per share data) Tier 1 common equity (1) Tangible common equity $ 364,083 $ 484,940 $ 559,546 $ 747,676 $ 745,261 Tier 1 adjustments: DTA from net operating loss and tax cr. Forward
Slide 21: Appendix 2: Non-GAAP Reconciliations
Appendix 2: Non-GAAP Reconciliations As of March 31, 2026
Slide 22: Appendix 2: Non-GAAP Financial Measures
Appendix 2: Non-GAAP Financial Measures PAGE 22 YTD March 2022 2023 2024 2025 2026 Net Income-GAAP $ 67,405 $ 91,729 $ 85,264 $ 80,310 $ 25,585 Reconcilation to Adjusted Net Income: Income before income taxes (GAAP) $ 91,549 $ 124,408 $ 112,956 $ 107,751 $ 34,064 Pre-tax income adjustments: Provisio
Slide 23: Appendix 2: Non-GAAP Financial Measures
Appendix 2: Non-GAAP Financial Measures PAGE 23 Net Interest Margin Tax Equivalent Non-GAAP Reconciliation YTD March 2022 2023 2024 2025 2026 Interest income (GAAP) $ 216,473 $ 291,970 $ 297,904 $ 355,181 $ 98,346 Taxable-equivalent adjustment: Non-GAAP Financial Measures Loans 23 39 43 37 13 Securi
Slide 24: Appendix 2: Non-GAAP Financial Measures
Appendix 2: Non-GAAP Financial Measures PAGE 24 Efficiency Ratio Non-GAAP Reconciliation GAAP Non-GAAP YTD March YTD March 2022 2023 2024 2025 2026 2022 2023 2024 2025 2026 Noninterest expense $ 151,173 $ 145,201 $ 159,748 $ 204,022 $ 50,210 $ 151,173 $ 145,201 $ 159,748 $ 204,022 $ 50,210 Less amor
Slide 25: Appendix 2: Non-GAAP Financial Measures
Appendix 2: Non-GAAP Financial Measures PAGE 25 Tangible Common Equity Non-GAAP Reconciliations Years Ended 2022 2023 2024 2025 YTD March 2026 Total equity $ 461,141 $ 577,281 $ 671,034 $ 896,768 $ 893,297 Less: Goodwill and intangible assets 100,156 97,695 115,291 152,888 151,712 Tangible common eq