Old Second Bancorp

Q2 FY2026 EarningsQ2 FY26 total revenue reached $96.59M, significantly beating the $82.00M consensus (+17.80%), driven by strong loan yields following the Bancorp Financial integration. However, pre-tax income of $37.84M missed the $45.35M expectation (-16.56%) due to a $7.5M credit provision and elevated noninterest expenses. Diluted EPS of $0.54 was in-line with the $0.545 consensus, while NIM (GAAP) of 5.21% slightly exceeded the 5.12% expected margin. Management continues to see robust net interest income growth despite normalizing credit metrics in commercial portfolios.