Regulatory & Capital Matters (Tables)

6 Months Ended

Jun. 30, 2026

Regulatory & Capital Matters

Schedule of capital levels and industry defined regulatory minimum required levels



								Minimum Capital						Well Capitalized
								Adequacy with Capital						Under Prompt Corrective
		Actual						Conservation Buffer, if applicable¹						Action Provisions²
		Amount			Ratio			Amount			Ratio			Amount			Ratio
June 30, 2026
Common equity tier 1 capital to risk weighted assets
Consolidated		$	786,822		13.28	%		$	414,741		7.00	%			N/A		N/A
Old Second National Bank			811,451		13.72				414,006		7.00			$	384,434		6.50	%
Total capital to risk weighted assets
Consolidated			904,024		15.26				622,035		10.50				N/A		N/A
Old Second National Bank			873,652		14.77				621,080		10.50				591,504		10.00
Tier 1 capital to risk weighted assets
Consolidated			811,822		13.70				503,685		8.50				N/A		N/A
Old Second National Bank			811,451		13.72				502,721		8.50				473,149		8.00
Tier 1 capital to average assets
Consolidated			811,822		12.05				269,484		4.00				N/A		N/A
Old Second National Bank			811,451		12.05				269,361		4.00				336,702		5.00

December 31, 2025
Common equity tier 1 capital to risk weighted assets
Consolidated		$	774,990		12.99	%		$	417,624		7.00	%			N/A		N/A
Old Second National Bank			785,569		13.17				417,539		7.00			$	387,714		6.50	%
Total capital to risk weighted assets
Consolidated			922,259		15.46				626,373		10.50				N/A		N/A
Old Second National Bank			847,838		14.22				626,041		10.50				596,229		10.00
Tier 1 capital to risk weighted assets
Consolidated			799,990		13.41				507,078		8.50				N/A		N/A
Old Second National Bank			785,569		13.17				507,011		8.50				477,187		8.00
Tier 1 capital to average assets
Consolidated			799,990		11.70				273,501		4.00				N/A		N/A
Old Second National Bank			785,569		11.49				273,479		4.00				341,849		5.00

¹Amounts are shown inclusive of a capital conservation buffer of 2.50%.

² The prompt corrective action provisions are only applicable at the Bank level. The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”