Regulatory & Capital Matters (Tables)

9 Months Ended

Sep. 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
September 30, 2026
Common equity tier 1 capital to risk weighted assets
Consolidated		$	775,387		13.13	%		$	413,382		7.00	%			N/A		N/A
Old Second National Bank			804,176		13.63				413,003		7.00			$	383,503		6.50	%
Total capital to risk weighted assets
Consolidated			888,314		15.05				619,754		10.50				N/A		N/A
Old Second National Bank			862,103		14.61				619,581		10.50				590,077		10.00
Tier 1 capital to risk weighted assets
Consolidated			800,387		13.56				501,718		8.50				N/A		N/A
Old Second National Bank			804,176		13.63				501,504		8.50				472,004		8.00
Tier 1 capital to average assets
Consolidated			800,387		11.99				267,018		4.00				N/A		N/A
Old Second National Bank			804,176		12.05				266,946		4.00				333,683		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.”