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Old Second Bancorp OSBC Card Interchange Income Debit

Card Interchange Income Debit at other companies

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$1.89M+2.8%
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$186K-13.1%
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$13M+8.3%
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Eastern Bankshares, Inc.EBC
$5.8M+47.9%
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Stellar BancorpSTEL
$547K+5.2%
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CNB FinancialCCNE
$2.59M+22.7%

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 osbc:CardInterchangeIncomeDebit.

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 card interchange income debit?
Old Second Bancorp (OSBC) reported card interchange income debit of $2.35M in Q1 2026.
How has Old Second Bancorp's card interchange income debit changed year-over-year?
Old Second Bancorp's card interchange income debit increased by 5.0% year-over-year, from $2.24M to $2.35M.
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 11.7% compound annual growth rate (CAGR), from $6.71M to $10.45M.
What does card interchange income debit mean?
This represents the fee income earned by the bank when customers use their debit cards to process transactions through payment networks. It is a component of noninterest income that scales with consumer spending volume and card usage frequency. This metric highlights the bank's ability to generate recurring fee revenue from its retail customer base.