Old Second Bancorp, Inc. (OSBC)

Solvency & Capital Structure

Total Debt

$468.7M

Net Debt

$422M

Old Second Bancorp, Inc. currently has $468.7M in total debt. Net debt is $422M after cash offsets.

Financial Fundamentals

OSBC • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.47	0.05	0.42	6.85	6.8%
2026-03-31	0.32	0.05	0.28	6.85	4.7%
2025-12-31	0.34	0.20	0.14	6.90	4.9%
2025-09-30	0.29	0.94	-0.65Net Cash	6.99	4.1%
2025-06-30	0.13	1.32	-1.19Net Cash	5.70	2.3%
2025-03-31	0.12	1.06	-0.93Net Cash	5.73	2.2%
2024-12-31	0.14	1.26	-1.12Net Cash	5.65	2.5%
2024-09-30	0.47	1.31	-0.83Net Cash	5.67	8.4%
2024-06-30	0.46	1.29	-0.83Net Cash	5.66	8.2%
2024-03-31	0.34	1.27	-0.93Net Cash	5.62	6.0%
2023-12-31	0.52	1.29	-0.78Net Cash	5.72	9.0%
2023-09-30	0.55	1.34	-0.79Net Cash	5.76	9.5%
2023-06-30	0.60	1.45	-0.85Net Cash	5.88	10.2%
2023-03-31	0.47	1.56	-1.09Net Cash	5.92	8.0%
2022-12-31	0.26	1.65	-1.39Net Cash	5.89	4.4%
2022-09-30	0.20	1.73	-1.53Net Cash	5.97	3.4%
2022-06-30	0.18	2.02	-1.84Net Cash	6.01	3.0%
2022-03-31	0.18	2.45	-2.27Net Cash	6.22	2.9%
2021-12-31	0.20	2.45	-2.25Net Cash	6.21	3.2%
2021-09-30	0.19	1.23	-1.04Net Cash	3.28	5.9%
2021-06-30	0.22	1.17	-0.95Net Cash	3.25	6.7%
2021-03-31	0.17	1.03	-0.86Net Cash	3.17	5.4%
2020-12-31	0.16	0.83	-0.67Net Cash	3.04	5.3%
2020-09-30	0.16	0.76	-0.60Net Cash	2.97	5.4%
2020-06-30	0.16	0.70	-0.55Net Cash	2.93	5.3%
2020-03-31	0.15	0.52	-0.37Net Cash	2.66	5.8%
2019-12-31	0.21	0.54	-0.33Net Cash	2.64	7.8%
2019-09-30	0.24	0.54	-0.30Net Cash	2.61	9.3%
2019-06-30	0.25	0.55	-0.30Net Cash	2.62	9.7%
2019-03-31	0.24	0.55	-0.31Net Cash	2.62	9.2%
2018-12-31	0.31	0.60	-0.28Net Cash	2.68	11.7%
2018-09-30	0.25	0.59	-0.35Net Cash	2.61	9.4%
2018-06-30	0.26	0.61	-0.35Net Cash	2.65	9.7%
2018-03-31	0.19	0.60	-0.41Net Cash	2.37	7.9%
2017-12-31	0.25	0.60	-0.35Net Cash	2.38	10.3%
2017-09-30	0.25	0.58	-0.33Net Cash	2.36	10.7%
2017-06-30	0.21	0.62	-0.41Net Cash	2.34	9.1%
2017-03-31	0.22	0.67	-0.45Net Cash	2.35	9.4%
2016-12-31	0.20	0.58	-0.38Net Cash	2.25	8.8%
2016-09-30	0.15	0.72	-0.57Net Cash	2.11	7.1%
2016-06-30	0.20	0.80	-0.61Net Cash	2.16	9.1%
2016-03-31	0.16	0.54	-0.38Net Cash	2.12	7.4%
2015-12-31	0.15	0.50	-0.34Net Cash	2.08	7.3%
2015-09-30	0.17	0.46	-0.30Net Cash	2.05	8.1%
2015-06-30	0.16	0.44	-0.28Net Cash	2.07	7.6%
2015-03-31	0.16	0.47	-0.31Net Cash	2.10	7.6%
2014-12-31	0.17	0.43	-0.26Net Cash	2.06	8.2%
2014-09-30	0.17	0.41	-0.23Net Cash	2.03	8.5%
2014-06-30	0.14	0.42	-0.28Net Cash	2.05	6.9%
2014-03-31	0.15	0.45	-0.31Net Cash	2.06	7.1%
2013-12-31	0.13	0.42	-0.29Net Cash	2.00	6.6%
2013-09-30	0.18	0.45	-0.27Net Cash	2.03	8.8%
2013-06-30	0.13	0.65	-0.52Net Cash	1.93	7.0%
2013-03-31	0.12	0.66	-0.53Net Cash	1.95	6.4%
2012-12-31	0.22	0.71	-0.49Net Cash	2.05	10.8%
2012-09-30	0.11	0.07	0.03	1.90	5.5%
2012-06-30	0.12	0.13	-0.01Net Cash	1.99	5.9%
2012-03-31	0.12	0.08	0.04	1.98	6.1%
2011-12-31	0.10	0.36	-0.25Net Cash	1.94	5.4%
2011-09-30	0.11	0.11	0.00	1.94	5.7%
2011-06-30	0.05	0.11	-0.06Net Cash	1.98	2.5%
2011-03-31	0.05	0.17	-0.12Net Cash	2.12	2.4%
2010-12-31	0.11	0.10	0.01	2.12	5.2%
2010-09-30	0.11	0.07	0.05	2.30	5.0%
2010-06-30	0.13	0.13	-0.00Net Cash	2.46	5.2%
2010-03-31	0.13	0.10	0.03	2.50	5.2%
2009-12-31	0.18	0.08	0.10	2.60	6.8%
2009-09-30	0.13	0.11	0.02	2.70	5.0%
2009-06-30	0.14	0.05	0.09	2.72	5.2%
2009-03-31	0.18	0.04	0.14	2.90	6.1%
2008-12-31	0.35	0.07	0.28	2.98	11.7%
2008-09-30	0.41	0.05	0.35	2.95	13.7%
2008-06-30	0.32	0.07	0.25	2.96	10.8%
2008-03-31	0.36	0.07	0.29	3.00	12.0%
2007-12-31	0.38	0.06	0.32	2.66	14.2%
2007-09-30	0.27	0.08	0.19	2.63	10.2%
2007-06-30	0.30	0.06	0.23	2.56	11.7%
2007-03-31	0.20	0.05	0.15	2.44	8.2%
2006-12-31	0.21	0.09	0.13	2.46	8.7%
2006-09-30	0.22	0.06	0.16	2.41	9.2%
2006-06-30	0.24	0.09	0.16	2.42	10.0%
2006-03-31	0.19	0.05	0.14	2.36	7.8%
2005-12-31	0.26	0.07	0.20	2.37	11.2%
2005-09-30	0.23	0.06	0.17	2.35	9.9%
2005-06-30	0.16	0.06	0.10	2.24	7.1%
2005-03-31	0.21	0.05	0.16	2.20	9.5%
2004-12-31	0.16	0.06	0.10	2.10	7.4%
2004-09-30	0.07	0.06	0.01	2.07	3.4%
2004-06-30	0.15	0.05	0.10	2.00	7.7%
2004-03-31	0.19	0.05	0.14	1.90	9.9%
2003-12-31	0.18	0.06	0.13	1.84	10.0%
2003-09-30	0.07	0.05	0.02	1.74	3.9%
2003-06-30	0.09	0.06	0.03	1.71	5.4%
2003-03-31	0.07	0.05	0.02	1.62	4.4%
2002-12-31	0.07	0.05	0.02	1.61	4.3%
2002-09-30	0.06	0.05	0.01	1.58	3.8%
2002-06-30	0.05	0.04	0.01	1.48	3.6%
2002-03-31	0.04	0.03	0.01	1.32	3.3%
2001-12-31	0.10	0.04	0.06	1.33	7.3%
2001-09-30	0.06	0.04	0.02	1.33	4.9%
2001-06-30	0.08	0.04	0.03	1.29	6.1%
2001-03-31	0.05	0.03	0.01	1.21	3.9%
2000-12-31	0.03	0.05	-0.02Net Cash	1.15	2.4%
2000-09-30	0.04	0.04	0.00	1.17	3.4%
2000-06-30	0.02	0.04	-0.01Net Cash	1.07	2.3%
2000-03-31	0.03	0.04	-0.01Net Cash	1.02	2.5%
1999-12-31	0.04	0.07	-0.03Net Cash	1.00	3.7%
1999-09-30	0.04	0.05	-0.01Net Cash	0.99	4.2%
1999-06-30	0.05	0.07	-0.03Net Cash	0.99	4.6%
1999-03-31	0.04	0.06	-0.02Net Cash	0.98	4.5%
1998-12-31	0.07	0.09	-0.02Net Cash	1.01	7.2%
1998-09-30	0.06	0.11	-0.04Net Cash	0.99	6.6%
1998-06-30	0.05	0.11	-0.06Net Cash	0.97	5.6%
1998-03-31	0.04	0.09	-0.04Net Cash	0.94	4.7%
1997-12-31	0.06	0.09	-0.03Net Cash	0.95	5.8%
1997-09-30	0.05	0.08	-0.03Net Cash	0.93	5.1%
1997-06-30	0.02	0.08	-0.06Net Cash	0.90	2.7%
1997-03-31	0.01	0.06	-0.06Net Cash	0.81	0.8%
1996-12-31	0.01	0.08	-0.07Net Cash	0.83	0.7%
1996-09-30	0.01	0.07	-0.07Net Cash	0.77	0.7%