Old Second Bancorp Inc. reported fourth quarter (Q4) 2025 net income of USD 28.8 million, or USD 0.54 per diluted share. Adjusted net income for the period, excluding certain nonrecurring items, was USD 30.8 million, or USD 0.58 per diluted share. The company achieved a return on average assets of 1.75 percent and a return on average tangible equity of 17.23 percent, both excluding acquisition-related purchase accounting and deal costs. The tax equivalent net interest margin for Q4 2025 was 5.09 percent, and the adjusted efficiency ratio stood at 51.28 percent.
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