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Old Second Bancorp OSBC Debit Card Interchange Expense

Debit Card Interchange Expense at other companies

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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:DebitCardInterchangeExpense.

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
General bank insurance351328704658
Amortization of core deposit intangible1,1671,0222,3432,059
Advertising and marketing expense4834541,034683
Card related expense1,6041,4893,1232,869
Professional fees1,1601,1582,4592,253
Consumer credit expense1,720153,24240
Other real estate expense, net5235(134)1,908
Other expense4,7943,4878,8766,848

Item 1. Financial Statements

FAQ

What is Old Second Bancorp's debit card interchange expense?
Old Second Bancorp (OSBC) reported debit card interchange expense of $1.6M in Q2 2026.
How has Old Second Bancorp's debit card interchange expense changed year-over-year?
Old Second Bancorp's debit card interchange expense increased by 7.7% year-over-year, from $1.49M to $1.6M.
What is the long-term trend for Old Second Bancorp's debit card interchange expense?
Over 4 years (2021 to 2025), Old Second Bancorp's debit card interchange expense has grown at a 25.2% compound annual growth rate (CAGR), from $2.54M to $6.23M.
What does debit card interchange expense mean?
Debit Card Interchange Expense as reported by Old Second Bancorp Inc.

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