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OSBCBullishEarningsnews
High materiality8/10

Old Second Bancorp Q2 2026 earnings show improved margins and strong capital

Jul 22, 2026, 5:04 PM EDT1 sourcesAI-analyzed
Why it may matterVerify against the original reporting

Solid quarterly beat, improved NIM, and active capital return (dividend + buybacks) support near-term upside; deposit pressure is manageable and offset by capital strength, suggesting constructive sentiment in the short term.

AI summary

What happened, with direct paths to the underlying reporting

Old Second Bancorp reported a solid Q2 2026 with net income of $28.2M and a 5.23% NIM, aided by loan growth and a modest share repurchase. ROA reached 1.65% and ROATCE 15.58%, with capital ratios remaining robust despite seasonal deposit declines. The quarterly dividend and continued capital return support a constructive near-term setup for OSBC.

  • Q2 2026 net income $28.2M; EPS $0.54.
  • Adjusted net income $28.7M; adjusted EPS $0.55.
  • NIM (TE) 5.23%, up 9 bps; loan yields +12 bps.
  • Dividend declared $0.07; repurchased 732,183 shares.
  • Loans $5.25B; deposits $5.44B; NPL 1.08%.

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StockNews.AI groups source reporting, classifies the event, and measures subsequent price movement. This is informational research, not investment advice. Prices may be delayed or unavailable.

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