Old Second Bancorp, Inc. (OSBC) Q2 2025 Earnings Call Transcript


Old Second Bancorp, Inc. (NASDAQ:OSBC) Q2 2025 Earnings Conference Call July 24, 2025 10:00 AM ET

Company Participants

Bradley S. Adams – Executive VP, COO & CFO
James L. Eccher – President, CEO & Chairman of the Board

Conference Call Participants

Brian Joseph Martin – Janney Montgomery Scott LLC, Research Division
David Joseph Konrad – Keefe, Bruyette, & Woods, Inc., Research Division
David Joseph Long – Raymond James & Associates, Inc., Research Division
Jeffrey Allen Rulis – D.A. Davidson & Co., Research Division
Nathan James Race – Piper Sandler & Co., Research Division
Terence James McEvoy – Stephens Inc., Research Division

Operator

Good morning, everyone, and thank you for joining us today for Old Second Bancorp, Inc. Second Quarter 2025 Earnings Call. On the call today are Jim Eccher, the company’s Chairman, President and CEO; Brad Adams, the company’s COO and CFO, and Gary Collins, the Vice Chairman of our Board.

I will start with a reminder that Old Second’s comments today will contain forward-looking statements about the company’s business, strategies and prospects, which are based on management’s existing expectations in the current economic environment. These statements are not a guarantee of future performance and results may differ materially from those projected. Management would ask you refer to the company’s SEC filings for a full discussion of the company’s risk factors. The company does not undertake any duty to update such forward-looking statements.

On today’s call, we will also be discussing certain non-GAAP financial measures. These non-GAAP measures are described and reconciled to their GAAP counterparts in our earnings release which is available on our website at oldsecond.com on the homepage and under the Investor Relations tab.

So I will now turn it over to Jim Eccher. Over to you.

James L. Eccher

Good morning, everyone, and thank you for joining us. I



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