Old Second Bancorp (OSBC) Operating Margin: History & Chart

Old Second Bancorp, Inc.(OSBC)

Banks - Regional · Aurora, IL

$25.05+0.18 (+0.70%)

Delayed quote: Oct 6, 2026, 12:15 PM EDT

About Old Second Bancorp, Inc.

Old Second Bancorp, Inc. (OSBC) serves as the parent holding company for Old Second National Bank, providing a full range of community banking services. The institution offers a broad spectrum of deposit products, including demand, NOW, money market, savings, time, and individual retirement accounts, alongside certificates of deposit. Its diverse lending portfolio encompasses commercial loans, lease financing, construction loans, and commercial real estate loans. For residential clients, offerings include first and second mortgages, home equity lines of credit, and general residential real estate loans. Consumer lending options cover needs such as motor vehicle, home improvement, and signature loans, further complemented by installment and agricultural loans, and overdraft checking services. Beyond deposits and loans, Old Second provides vital financial services like safe deposit boxes, trust and wealth management, money orders, cashier's checks, foreign currency exchange, direct deposits, discount brokerage, and debit and credit cards. The company also assists with acquiring U.S. treasury notes and bonds. Embracing digital convenience, Old Second Bancorp offers online and mobile banking platforms. Corporate clients benefit from an extensive suite of cash management solutions, featuring remote and mobile deposit capture, investment sweep accounts, zero balance accounts, automated tax payments, ATM access, telephone banking, lockbox services, automated clearing house (ACH) transactions, account reconciliation, controlled disbursements, detailed and general information reporting, foreign and domestic wire transfers, and vault services for currency and coin. Furthermore, it delivers investment, agency, and custodial services to individual, corporate, and not-for-profit clients. Established in 1981 and headquartered in Aurora, Illinois, Old Second Bancorp, Inc. serves its customers through 63 banking centers located across Cook, DeKalb, DuPage, Kane, Kendall, LaSalle, and Will counties within Illinois.

Aurora, IL

1,062 employees

www.oldsecond.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James L. Eccher

View full financials

OSBC Operating Margin Metrics

OPERATING MARGIN

29.60%

OPERATING MARGIN AVG TTM

31.20%

OPERATING MARGIN AVG 3Y

35.35%

OPERATING MARGIN AVG 5Y

35.72%

OPERATING MARGIN AVG 10Y

33.85%

OPERATING MARGIN AVG 15Y

26.55%

OPERATING MARGIN AVG 20Y

22.21%

CURRENT VS TTM AVG

-5.13%

CURRENT VS 3Y AVG

-16.27%

CURRENT VS 5Y AVG

-17.12%

CURRENT VS 10Y AVG

-12.54%

CURRENT VS 15Y AVG

+11.50%

CURRENT VS 20Y AVG

+33.27%

SECTOR MEDIAN · FINANCIAL SERVICES

16.44%

median of 608 covered companies

CURRENT VS SECTOR MEDIAN

+80.10%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Old Second Bancorp, Inc. (OSBC)	$1.29B	29.60%	31.20%	35.35%	35.72%
First Mid Bancshares, Inc. (FMBH)vs ›	$1.32B	25.12%	24.23%	25.88%	26.66%
HBT Financial, Inc. (HBT)vs ›	$1.32B	31.83%	34.89%	36.04%	37.07%
Peoples Bancorp Inc. (PEBO)vs ›	$1.33B	21.65%	23.05%	27.93%	25.84%
Preferred Bank (PFBC)vs ›	$1.24B	38.22%	36.67%	44.13%	46.94%
Jefferson Capital, Inc. Common Stock (JCAP)vs ›	$1.22B	51.61%	51.23%	51.08%	51.08%
Community Trust Bancorp, Inc. (CTBI)vs ›	$1.38B	33.11%	29.71%	32.29%	34.32%
Burke & Herbert Financial Services Corp. (BHRB)vs ›	$1.40B	27.12%	19.78%	24.01%	25.57%
Atlanticus Holdings Corporation (ATLC)vs ›	$1.42B	17.73%	26.41%	31.96%	34.24%
Amalgamated Financial Corp. (AMAL)vs ›	$1.43B	31.03%	32.09%	33.68%	32.71%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Old Second Bancorp, Inc. (OSBC)

$1.29B

29.60%

31.20%

35.35%

35.72%

First Mid Bancshares, Inc. (FMBH)vs ›

$1.32B

25.12%

24.23%

25.88%

26.66%

HBT Financial, Inc. (HBT)vs ›

$1.32B

31.83%

34.89%

36.04%

37.07%

Peoples Bancorp Inc. (PEBO)vs ›

$1.33B

21.65%

23.05%

27.93%

25.84%

Preferred Bank (PFBC)vs ›

$1.24B

38.22%

36.67%

44.13%

46.94%

Jefferson Capital, Inc. Common Stock (JCAP)vs ›

$1.22B

51.61%

51.23%

51.08%

Community Trust Bancorp, Inc. (CTBI)vs ›

$1.38B

33.11%

29.71%

32.29%

34.32%

Burke & Herbert Financial Services Corp. (BHRB)vs ›

$1.40B

27.12%

19.78%

24.01%

25.57%

Atlanticus Holdings Corporation (ATLC)vs ›

$1.42B

17.73%

26.41%

31.96%

34.24%

Amalgamated Financial Corp. (AMAL)vs ›

$1.43B

31.03%

32.09%

33.68%

32.71%

Operating Margin FAQ

What is the operating margin for Old Second Bancorp, Inc. (OSBC)?

The operating margin for OSBC stock is 29.60%.

Is Old Second Bancorp, Inc.'s operating margin high or low?

The operating margin of 29.60% is 17% below its 5-year average of 35.72%, near the high end of its 5-year range (-28.25%–43.24%).

What is the TTM average operating margin for Old Second Bancorp, Inc. (OSBC)?

The TTM average operating margin for OSBC stock is 31.20%.

What is the 3Y average operating margin for Old Second Bancorp, Inc. (OSBC)?

The 3Y average operating margin for OSBC stock is 35.35%.

What is the 5Y average operating margin for Old Second Bancorp, Inc. (OSBC)?

The 5Y average operating margin for OSBC stock is 35.72%.

What is the 10Y average operating margin for Old Second Bancorp, Inc. (OSBC)?

The 10Y average operating margin for OSBC stock is 33.85%.

What is the 15Y average operating margin for Old Second Bancorp, Inc. (OSBC)?

The 15Y average operating margin for OSBC stock is 26.55%.

What is the 20Y average operating margin for Old Second Bancorp, Inc. (OSBC)?

The 20Y average operating margin for OSBC stock is 22.21%.

DATE	OPERATING MARGIN
2026-06-30	42.59%
2026-03-31	30.64%
2025-12-31	36.93%
2025-09-30	11.32%
2025-06-30	34.51%
2025-03-31	31.80%
2024-12-31	29.71%
2024-09-30	35.04%
2024-06-30	35.16%
2024-03-31	34.57%
2023-12-31	30.75%
2023-09-30	39.25%
2023-06-30	43.24%
2023-03-31	41.96%
2022-12-31	42.25%
2022-09-30	39.05%
2022-06-30	30.02%
2022-03-31	29.23%
2021-12-31	-28.25%
2021-09-30	33.85%
2021-06-30	38.02%
2021-03-31	44.61%
2020-12-31	33.35%
2020-09-30	37.68%
2020-06-30	34.48%
2020-03-31	-0.02%
2019-12-31	34.06%
2019-09-30	39.68%
2019-06-30	33.07%
2019-03-31	31.05%
2018-12-31	32.58%
2018-09-30	36.01%
2018-06-30	22.65%
2018-03-31	36.63%
2017-12-31	34.79%
2017-09-30	33.05%
2017-06-30	25.23%
2017-03-31	23.90%
2016-12-31	28.12%
2016-09-30	22.28%
2016-06-30	24.31%
2016-03-31	22.12%
2015-12-31	25.20%
2015-09-30	26.86%
2015-06-30	26.26%
2015-03-31	22.13%
2014-12-31	19.72%
2014-09-30	18.43%
2014-06-30	12.99%
2014-03-31	15.01%
2013-12-31	-0.18%
2013-09-30	11.79%
2013-06-30	13.17%
2013-03-31	20.15%
2012-12-31	5.50%
2012-09-30	0.42%
2012-06-30	4.22%
2012-03-31	-10.04%
2011-12-31	-10.30%
2011-09-30	-4.70%
2011-06-30	3.23%
2011-03-31	-9.95%
2010-12-31	-32.62%
2010-09-30	-2.99%
2010-06-30	-102.98%
2010-03-31	-39.76%
2009-12-31	-37.76%
2009-09-30	3.19%
2009-06-30	-218.43%
2009-03-31	1.49%
2008-12-31	-20.99%
2008-09-30	11.64%
2008-06-30	21.14%
2008-03-31	15.59%
2007-12-31	18.55%
2007-09-30	17.14%
2007-06-30	16.61%
2007-03-31	17.60%
2006-12-31	20.12%
2006-09-30	15.23%
2006-06-30	22.07%
2006-03-31	21.24%
2005-12-31	29.06%
2005-09-30	27.90%
2005-06-30	26.93%
2005-03-31	27.26%
2004-12-31	39.32%
2004-09-30	30.05%
2004-06-30	26.92%
2004-03-31	31.51%
2003-12-31	29.65%
2003-09-30	29.23%
2003-06-30	29.68%
2003-03-31	28.18%
2002-12-31	26.81%
2002-09-30	28.07%

DATE

OPERATING MARGIN

2026-06-30

42.59%

2026-03-31

30.64%

2025-12-31

36.93%

2025-09-30

11.32%

2025-06-30

34.51%

2025-03-31

31.80%

2024-12-31

29.71%

2024-09-30

35.04%

2024-06-30

35.16%

2024-03-31

34.57%

2023-12-31

30.75%

2023-09-30

39.25%

2023-06-30

43.24%

2023-03-31

41.96%

2022-12-31

42.25%

2022-09-30

39.05%

2022-06-30

30.02%

2022-03-31

29.23%

2021-12-31

-28.25%

2021-09-30

33.85%

2021-06-30

38.02%

2021-03-31

44.61%

2020-12-31

33.35%

2020-09-30

37.68%

2020-06-30

34.48%

2020-03-31

-0.02%

2019-12-31

34.06%

2019-09-30

39.68%

2019-06-30

33.07%

2019-03-31

31.05%

2018-12-31

32.58%

2018-09-30

36.01%

2018-06-30

22.65%

2018-03-31

36.63%

2017-12-31

34.79%

2017-09-30

33.05%

2017-06-30

25.23%

2017-03-31

23.90%

2016-12-31

28.12%

2016-09-30

22.28%

2016-06-30

24.31%

2016-03-31

22.12%

2015-12-31

25.20%

2015-09-30

26.86%

2015-06-30

26.26%

2015-03-31

22.13%

2014-12-31

19.72%

2014-09-30

18.43%

2014-06-30

12.99%

2014-03-31

15.01%

2013-12-31

-0.18%

2013-09-30

11.79%

2013-06-30

13.17%

2013-03-31

20.15%

2012-12-31

5.50%

2012-09-30

0.42%

2012-06-30

4.22%

2012-03-31

-10.04%

2011-12-31

-10.30%

2011-09-30

-4.70%

2011-06-30

3.23%

2011-03-31

-9.95%

2010-12-31

-32.62%

2010-09-30

-2.99%

2010-06-30

-102.98%

2010-03-31

-39.76%

2009-12-31

-37.76%

2009-09-30

3.19%

2009-06-30

-218.43%

2009-03-31

1.49%

2008-12-31

-20.99%

2008-09-30

11.64%

2008-06-30

21.14%

2008-03-31

15.59%

2007-12-31

18.55%

2007-09-30

17.14%

2007-06-30

16.61%

2007-03-31

17.60%

2006-12-31

20.12%

2006-09-30

15.23%

2006-06-30

22.07%

2006-03-31

21.24%

2005-12-31

29.06%

2005-09-30

27.90%

2005-06-30

26.93%

2005-03-31

27.26%

2004-12-31

39.32%

2004-09-30

30.05%

2004-06-30

26.92%

2004-03-31

31.51%

2003-12-31

29.65%

2003-09-30

29.23%

2003-06-30

29.68%

2003-03-31

28.18%

2002-12-31

26.81%

2002-09-30

28.07%

Operating Margin: 29.60%

OSBC Operating Margin

OSBC Average Operating Margin Chart

OSBC Current vs Average Operating Margin Chart

OSBC Operating Margin Metrics

OSBC Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

OSBC Operating Margin History

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