On its third-quarter 2026 earnings call, held on Oct. 22, 2026, Old Second (NASDAQ:OSBC) reported net income of $28.9 million. For long-term investors, changing credit quality and capital allocation choices drive the bank's underlying earnings power. Management’s three key takeaways explain where the business is headed. Old Second absorbed $12.7 million in net loan charge-offs (debts written off as uncollectible) during the quarter, mostly from one commercial customer. However, underlying credit health improved, as criticized loans (loans flagged for potential repayment risks) fell by 38%.
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