Old Second Bancorp, Inc. · NASDAQ:OSBC
Old Second Bancorp — Q1 2026 Earnings Presentation
10 slides from Old Second Bancorp's earnings presentation, Apr 22, 2026
Slide 1: Loan Portfolio Disclosures as of March 31, 2026
1 Loan Portfolio Disclosures AS OF MARCH 31, 2026 Exhibit 99.2
Slide 2: Loan Portfolio Composition and Allowance Trend
2 Portfolio Segment Outstanding Classified Allowance Commercial (incl. Leases) $1,384 $53 1.07% Commercial Real Estate Investor $1,169 $15 1.77% Commercial Real Estate Owner Occ. $703 $61 0.69% Construction $144 $13 0.83% Residential Real Estate $309 $3 0.87% Multifamily $357 $2 0.45% HELOC $236 $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 6/30/22 9/30/22 12/31/22 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 Office CRE Healthcare Other Criticized Loans
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 $72 - $8 Office CRE $37 - $3 Construction $27 - - Multifamily $26 - - Hotel CRE $17 - - Other (under $15 million
Slide 5: Commercial Real Estate Investor Portfolio Composition
5 Property Type Outstanding LTV Classified Allowance Retail $334 54% $2 1.08% Industrial $262 46% $1 1.24% Office $197 68% $3 3.29% Hotel $78 46% - 1.68% Parking Garage $64 49% - 0.95% Senior Living $63 56% - 1.17% Mixed Use $54 58% $8 6.12% Gas Station/ Convenience $44 50% - 0.93% Other (under $30
Slide 6: Office Commercial Real Estate Investor Portfolio Composition
6 Location Outstanding LTV Classified Allowance Illinois $162 72% $3 3.78% Chicago $32 69% - 2.68% Suburban $130 72% $3 4.04% Oklahoma $15 64% - 1.28% Texas $9 24% - 1.28% Colorado $6 52% - 1.28% Oregon $4 74% - 1.28% Wisconsin $1 63% - 1.28% Total $197 68% $3 3.29% Office Commercial Real Estate Inv
Slide 7: Commercial Real Estate Owner-Occupied Portfolio Composition
7 Industry Outstanding Classified Allowance Health Care, Social Services $293 $28 0.88% Other Services $82 $5 0.46% Retail Trade $67 - 0.21% Manufacturing $57 $2 0.23% Real Estate, Leasing $49 - 0.26% Accommodation, Food Service $31 $7 1.70% Wholesale Trade $27 $1 0.49% Arts, Entertainment $23 $2 0.
Slide 8: Commercial (including Leases) Portfolio Composition
8 Commercial & Industrial Outstanding Classified Manufacturing $412 $14 Construction $203 $9 Administrative, Waste Service $158 $3 Professional $131 - Transportation, Warehousing $111 $17 Real Estate, Leasing $72 - Finance, Insurance $71 $1 Health Care, Social Services $64 - Wholesale Trade $48 $3 O
Slide 9: Powersport Portfolio Composition and Contribution Margin
9 Origination Tier Outstanding Weighted FICO Portfolio APR % Tier 1 $351 776 7.92% Tier 2 $132 710 10.15% Tier 3 $81 683 12.67% Tier 4 $40 657 14.67% Tier 5 $70 606 17.00% Total $674 729 10.14% Powersport Portfolio Composition (in millions) Tier 1 54% Tier 2 20% Tier 3 11% Tier 4 6% Tier 5 9% Histor
Slide 10: Net Charge-offs (Recoveries)
10 Net Charge-offs (Recoveries) (in thousands) Portfolio 6/30/2025 (Q) 9/30/2025 (Q) 12/31/2025 (Q) 3/31/2026 (Q) 3/31/2026 (TTM) NCO(R) % Commercial (incl. Leases) $1,090 $1,233 ($29) $1,495 $3,789 0.29% Commercial Real Estate Investor ($14) ($15) ($14) $3,928 $3,885 0.32% Commercial Real Estate Ow