OLD SECOND BANCORP INCOSBCEarnings & Financial Report
U.S. Bancorp is an American multinational banking institution headquartered in Minneapolis, Minnesota and incorporated in Delaware. It is the 5th-largest bank in the United States as of 2025. As the largest bank in the Midwestern United States, it is considered systemically important by the Financial Stability Board. It is the parent company of its primary operating entity, U.S. Bank National Association, which does business as U.S. Bank. The company provides banking, investment, mortgage, tr...
OSBC Q1 FY2026 Key Financial Metrics
Revenue
$93.8M
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$25.6M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
27.3%
YoY Growth
N/A
EPS
$0.48
OLD SECOND BANCORP INC Q1 FY2026 Financial Summary
OLD SECOND BANCORP INC reported revenue of $93.8M for Q1 FY2026, with a net profit of $25.6M (up 159.2% YoY) (27.3% margin).
Key Financial Metrics
| Total Revenue | $93.8M |
|---|---|
| Net Profit | $25.6M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q1 FY2026 |
Revenue Breakdown
OLD SECOND BANCORP INC Q1 FY2026 revenue of $93.8M breaks down across 2 segments, led by Net Interest Income at $81.1M (86.5% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Net Interest Income | $81.1M | 86.5% |
| Noninterest Income | $12.6M | 13.5% |
OLD SECOND BANCORP INC Annual Revenue by Year
OLD SECOND BANCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $339.3M).
OLD SECOND BANCORP INC Quarterly Revenue & Net Profit History
OLD SECOND BANCORP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $93.8M | — | $25.6M | 27.3% |
| Q4 FY2025 | $95.2M | +30.1% | N/A | N/A |
| Q3 FY2025 | $95.9M | +34.7% | $9.9M | 10.3% |
| Q2 FY2025 | $75.1M | +6.1% | $21.8M | 29.0% |
| Q1 FY2025 | $73.1M | +4.0% | $19.8M | 27.1% |
| Q4 FY2024 | $73.2M | +4.6% | N/A | N/A |
| Q3 FY2024 | $71.2M | -2.4% | $23.0M | 32.3% |
| Q2 FY2024 | $70.8M | -1.4% | $21.9M | 30.9% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $70.8M | $71.2M | $73.2M | $73.1M | $75.1M | $95.9M | $95.2M | $93.8M |
| YoY Growth | -1.4% | -2.4% | 4.6% | 4.0% | 6.1% | 34.7% | 30.1% | N/A |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $5.66B | $5.67B | $5.65B | $5.73B | $5.70B | $6.99B | $6.90B | $6.85B |
| Liabilities | $5.04B | $5.01B | $4.98B | $5.03B | $4.98B | $6.13B | $6.01B | $5.96B |
| Equity | $619.3M | $661.4M | $671.0M | $694.5M | $718.6M | $866.7M | $896.8M | $893.3M |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $11.6M | $48.5M | $131.5M | $17.8M | $24.2M | $35.9M | $122.3M |