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Old Second Bancorp OSBC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Wintrust Financial logo
Wintrust FinancialWTFC
$549.43M+9.3%
Northwest Bancshares logo
Northwest BancsharesNWBI
$138.11M+15.2%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$238.9M+31.0%
Old National Bancorp logo
Old National BancorpONB
$537.63M+50.9%
Financial Institutions logo
Financial InstitutionsFISI
$49.75M+13.2%
JPMorgan Chase logo
JPMorgan ChaseJPM

Other financials

Income statement

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Revenue$93.8M+28.3%
Net income$25.6M+29.0%
EPS (diluted)$0.48+11.6%

Balance sheet

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Cash & equivalents$115.7M-54.8%
Total debt$200.0M
Total equity$893.3M+28.6%
Total assets$6.8B+19.6%

Cash flow

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Operating cash flow$36.9M+107%
CapEx$769.0K-52.2%
Free cash flow$36.2M+123%

Valuation

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Market cap$1.18B+56.4%
Enterprise value$1.26B
P/E13.7×+4.7×
P/S3.3×+0.7×

Profitability

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Net margin23.9%-5.2pp
FCF margin38.3%+6.0pp

Returns & leverage

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Return on equity10.8%-2.1pp
Debt / equity0.2×

Where this comes from

Reported directly by Old Second Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The official record: Old Second Bancorp’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Old Second Bancorp's net interest income (after provisions)?
Old Second Bancorp (OSBC) reported net interest income (after provisions) of $71.64M in Q1 2026.
How has Old Second Bancorp's net interest income (after provisions) changed year-over-year?
Old Second Bancorp's net interest income (after provisions) increased by 18.4% year-over-year, from $60.5M to $71.64M.
What is the long-term trend for Old Second Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Old Second Bancorp's net interest income (after provisions) has grown at a 30.2% compound annual growth rate (CAGR), from $92.39M to $265.41M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for loan and lease losses from the net interest income. It reflects the bank's net revenue after accounting for the expected credit risk and potential defaults within the loan portfolio. This provides a more accurate view of the bank's sustainable earnings capacity after adjusting for credit quality trends.