Old Second: 3 Key Takeaways for Long-Term Investors

Old Second Bancorp reported Q3 2026 net income of $28.9 million with improving asset quality as criticized loans fell 38%. The bank is executing a capital strategy focused on share buybacks (1.5M shares repurchased) and a 14% dividend increase. Management expects margin pressure from deposit competition to be offset by upcoming loan and asset repricing, with 45% of the loan book and 25% of securities portfolio repricing over the next four quarters.