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Old Second Bancorp, Inc.: Business Overview, Financials & Competitive Analysis

Old Second Bancorp, Inc. scores 7/10 on the AskCyborg Cyborg Score (Solid). Growth-oriented community bank executing successful acquisitions with improving operational efficiency and strong market positioning in suburban Chicago. Despite net income decreasing slightly from $85.3M to $80.3M in 2025, the bank recorded a substantial 21.2% increase in net interest and dividend income due to acquisition synergies. The company maintains.

What is Old Second Bancorp, Inc.'s industry? Old Second Bancorp, Inc. (oldsecond.com) operates in Regional Community Banking. AskCyborg classifies Old Second Bancorp, Inc. under Regional Community Banking in its company registry.

Old Second Bancorp operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides a broad range of commercial and retail banking s...

7/ 10Solid

Cyborg Score thesis

Growth-oriented community bank executing successful acquisitions with improving operational efficiency and strong market...

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Industry Regional Community Banking
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
Old Second Bancorp, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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Old Second Bancorp, Inc. Overview

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Old Second Bancorp operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides a broad range of commercial and retail banking services across the suburban Chicago marketplace, supported by a branch network and online platforms.

Strategic Profile

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OSBC's strategic acquisition of Bancorp Financial significantly bolstered its asset base by approximately $1.43 billion, expanded the bank's market presence and customer base, with successful integration demonstrating strong operational capabilities. The company has cemented its position as a community banking leader with a strong presence in key Illinois counties and deep customer relationships.

Competitive Landscape

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Old Second operates in the competitive suburban Chicago banking market with focus on community banking and personalized service. The bank competes with regional and national banks but differentiates through local market expertise and tailored services. Community bank consolidation remains a key market dynamic.

Industry Context

Old Second Bancorp, Inc. operates in Regional Community Banking.

Key facts

Headquarters: Aurora, Illinois, United States · Revenue: $95.88M · Market cap: $1.03B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on Old Second Bancorp, Inc..

  • 21.2% increase in net interest income and $1.27 billion loan growth driven primarily by Bancorp Financial acquisition
  • Recent branch transaction with First Merchants Bank extended footprint into Cook and DuPage counties
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Filed 2025 10-K report showing $80.3M net income and acquisition integration progress
  • October 2025Completed systems and brand conversion of Bancorp Financial subsidiary
  • +1 moreTrack every material event for Old Second Bancorp, Inc. as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community Banking ServicesChicago-area community bank→Community Banking ServicesRegional banking and mortgage services→Commercial BankingRegional commercial and retail banking→

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Industry context

Old Second Bancorp, Inc. operates in Regional Community Banking. See how the rest of the sector scores on the Cyborg framework.

Top companies in Regional & Community Banking by Cyborg Score

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Frequently asked questions

What does Old Second Bancorp, Inc. do?+
Old Second Bancorp operates as the bank holding company for Old Second National Bank that provides community banking services in the United States. The company provides a broad range of commercial and retail banking s...
What is Old Second Bancorp, Inc.'s Cyborg Score?+
Old Second Bancorp, Inc. has a Cyborg Score of 7/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Old Second Bancorp, Inc.'s main competitors?+
Named competitors include Community Banking Services, Community Banking Services, Commercial Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full Old Second Bancorp, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Old Second Bancorp, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Regional Community Banking research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8Orrstown Financial Services, Inc.7Bank First Corporation7Guaranty Bancshares, Inc.7Heritage Commerce Corp7Hope Bancorp, Inc.7Nicolet Bankshares, Inc.7Northrim BanCorp, Inc.7Peoples Bancorp Inc.7QCR Holdings, Inc.7Unity Bancorp, Inc.Top companies in Regional & Community Banking by Cyborg Score