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Old Second Bancorp OSBC Card Interchange Income Debit

Card Interchange Income Debit at other companies

Financial Institutions logo
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$2.06M+6.5%
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$547K+5.2%
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$2.06M+6.2%
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$2.06M+6.2%
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$230K+51.3%
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Home Federal BancorpHFBL
$161K+4.0%

Other financials

Income statement

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Revenue$96.6M+28.6%
Net income$28.2M+29.1%
EPS (diluted)$0.54+12.5%

Balance sheet

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Cash & equivalents$143.3M+1.1%
Total debt$375.0M
Total equity$902.8M+25.6%
Total assets$6.9B+20.5%

Cash flow

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Operating cash flow$28.6M+17.9%
CapEx$667.0K-15.5%
Free cash flow$27.9M+19.0%

Valuation

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Market cap$1.31B+73.4%
Enterprise value$1.54B
P/E14.2×+5.2×
P/S3.4×+0.9×

Profitability

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Net margin24.2%-4.4pp
FCF margin37.3%+0.5pp

Returns & leverage

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Return on equity11.4%-1.1pp
Debt / equity0.4×

Where this comes from

Reported directly by Old Second Bancorp in its filing.

Tagged under the XBRL concept osbc:CardInterchangeIncomeDebit.

The source filing: Old Second Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 12:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000357173-26-000045
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Mortgage servicing income464472961952
Net gain on sales of mortgage loans6405501,1951,014
Change in cash surrender value of BOLI1,4696902,5511,188
Card related income2,4832,5334,8334,774
Other income1,4889373,1521,887
Total noninterest income13,26110,89825,89121,099
Noninterest expense
Salaries and employee benefits30,10326,95059,77653,943

Item 1. Financial Statements

FAQ

What is Old Second Bancorp's card interchange income debit?
Old Second Bancorp (OSBC) reported card interchange income debit of $2.48M in Q2 2026.
How has Old Second Bancorp's card interchange income debit changed year-over-year?
Old Second Bancorp's card interchange income debit decreased by 2.0% year-over-year, from $2.53M to $2.48M.
What is the long-term trend for Old Second Bancorp's card interchange income debit?
Over 4 years (2021 to 2025), Old Second Bancorp's card interchange income debit has grown at a 11.2% compound annual growth rate (CAGR), from $6.71M to $10.27M.
What does card interchange income debit mean?
Card Interchange Income Debit as reported by Old Second Bancorp Inc.

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