Old Second Bancorp (OSBC) ROE: History & Chart

Old Second Bancorp, Inc.(OSBC)

Banks - Regional · Aurora, IL

$25.01+0.13 (+0.54%)

Delayed quote: Oct 6, 2026, 3:20 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 Return on Equity (ROE) Metrics

RETURN ON EQUITY (ROE)

10.24%

RETURN ON EQUITY (ROE) AVG TTM

9.73%

RETURN ON EQUITY (ROE) AVG 3Y

12.85%

RETURN ON EQUITY (ROE) AVG 5Y

11.58%

RETURN ON EQUITY (ROE) AVG 10Y

11.29%

RETURN ON EQUITY (ROE) AVG 15Y

10.59%

RETURN ON EQUITY (ROE) AVG 20Y

10.81%

CURRENT VS TTM AVG

+5.26%

CURRENT VS 3Y AVG

-20.35%

CURRENT VS 5Y AVG

-11.57%

CURRENT VS 10Y AVG

-9.31%

CURRENT VS 15Y AVG

-3.37%

CURRENT VS 20Y AVG

-5.30%

SECTOR MEDIAN · FINANCIAL SERVICES

8.76%

median of 677 covered companies

CURRENT VS SECTOR MEDIAN

+16.86%

vs the sector median at left

NAME	MARKET CAP	RETURN ON EQUITY (ROE)	TTM	3Y	5Y
Old Second Bancorp, Inc. (OSBC)	$1.29B	10.24%	9.73%	12.85%	11.58%
HBT Financial, Inc. (HBT)vs ›	$1.32B	10.17%	12.84%	13.56%	13.01%
First Mid Bancshares, Inc. (FMBH)vs ›	$1.32B	9.10%	9.45%	9.78%	9.20%
Peoples Bancorp Inc. (PEBO)vs ›	$1.32B	9.64%	9.70%	10.76%	9.12%
Preferred Bank (PFBC)vs ›	$1.24B	17.07%	17.02%	19.02%	17.59%
Jefferson Capital, Inc. Common Stock (JCAP)vs ›	$1.22B	32.55%	33.50%	35.86%	35.86%
Community Trust Bancorp, Inc. (CTBI)vs ›	$1.38B	12.11%	11.19%	11.63%	11.37%
Westamerica Bancorporation (WABC)vs ›	$1.38B	12.99%	14.01%	17.30%	14.87%
Burke & Herbert Financial Services Corp. (BHRB)vs ›	$1.39B	8.07%	9.31%	10.48%	9.68%
Atlanticus Holdings Corporation (ATLC)vs ›	$1.41B	20.76%	21.33%	27.56%	48.97%

NAME

MARKET CAP

RETURN ON EQUITY (ROE)

TTM

Old Second Bancorp, Inc. (OSBC)

$1.29B

10.24%

9.73%

12.85%

11.58%

HBT Financial, Inc. (HBT)vs ›

$1.32B

10.17%

12.84%

13.56%

13.01%

First Mid Bancshares, Inc. (FMBH)vs ›

$1.32B

9.10%

9.45%

9.78%

9.20%

Peoples Bancorp Inc. (PEBO)vs ›

$1.32B

9.64%

9.70%

10.76%

9.12%

Preferred Bank (PFBC)vs ›

$1.24B

17.07%

17.02%

19.02%

17.59%

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

$1.22B

32.55%

33.50%

35.86%

Community Trust Bancorp, Inc. (CTBI)vs ›

$1.38B

12.11%

11.19%

11.63%

11.37%

Westamerica Bancorporation (WABC)vs ›

$1.38B

12.99%

14.01%

17.30%

14.87%

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

$1.39B

8.07%

9.31%

10.48%

9.68%

Atlanticus Holdings Corporation (ATLC)vs ›

$1.41B

20.76%

21.33%

27.56%

48.97%

Return on Equity (ROE) FAQ

What is the return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The return on equity (ROE) for OSBC stock is 10.24%.

Is Old Second Bancorp, Inc.'s return on equity (ROE) high or low?

The return on equity (ROE) of 10.24% is 12% below its 5-year average of 11.58%, around the middle of its 5-year range (3.99%–18.24%).

What is the TTM average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The TTM average return on equity (ROE) for OSBC stock is 9.73%.

What is the 3Y average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The 3Y average return on equity (ROE) for OSBC stock is 12.85%.

What is the 5Y average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The 5Y average return on equity (ROE) for OSBC stock is 11.58%.

What is the 10Y average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The 10Y average return on equity (ROE) for OSBC stock is 11.29%.

What is the 15Y average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The 15Y average return on equity (ROE) for OSBC stock is 10.59%.

What is the 20Y average return on equity (ROE) for Old Second Bancorp, Inc. (OSBC)?

The 20Y average return on equity (ROE) for OSBC stock is 10.81%.

DATE	RETURN ON EQUITY (ROE)
2026-06-30	10.24%
2026-03-31	9.63%
2025-12-31	8.96%
2025-09-30	8.15%
2025-06-30	11.65%
2025-03-31	12.06%
2024-12-31	12.71%
2024-09-30	12.76%
2024-06-30	13.85%
2024-03-31	15.00%
2023-12-31	15.89%
2023-09-30	18.24%
2023-06-30	17.96%
2023-03-31	15.90%
2022-12-31	14.62%
2022-09-30	8.01%
2022-06-30	5.26%
2022-03-31	4.33%
2021-12-31	3.99%
2021-09-30	11.57%
2021-06-30	12.35%
2021-03-31	12.67%
2020-12-31	9.06%
2020-09-30	9.89%
2020-06-30	11.05%
2020-03-31	11.76%
2019-12-31	14.20%
2019-09-30	14.27%
2019-06-30	14.00%
2019-03-31	13.56%
2018-12-31	14.85%
2018-09-30	10.49%
2018-06-30	10.16%
2018-03-31	9.90%
2017-12-31	7.56%
2017-09-30	11.29%
2017-06-30	9.46%
2017-03-31	9.21%
2016-12-31	8.95%
2016-09-30	8.45%
2016-06-30	8.90%
2016-03-31	9.70%
2015-12-31	9.87%
2015-09-30	9.46%
2015-06-30	7.31%
2015-03-31	6.29%
2014-12-31	5.22%
2014-09-30	3.82%
2014-06-30	40.16%
2014-03-31	52.72%
2013-12-31	55.58%
2013-09-30	58.71%
2013-06-30	14.90%
2013-03-31	11.03%
2012-12-31	-0.10%
2012-09-30	-6.50%
2012-06-30	-8.71%
2012-03-31	-8.99%
2011-12-31	-8.78%
2011-09-30	-102.35%
2011-06-30	-97.34%
2011-03-31	-128.72%
2010-12-31	-129.41%
2010-09-30	-25.77%
2010-06-30	-24.51%
2010-03-31	-40.02%
2009-12-31	-33.26%
2009-09-30	-29.01%
2009-06-30	-28.23%
2009-03-31	2.73%
2008-12-31	6.12%
2008-09-30	11.82%
2008-06-30	12.68%
2008-03-31	11.97%
2007-12-31	15.99%
2007-09-30	16.68%
2007-06-30	16.86%
2007-03-31	14.36%
2006-12-31	14.92%
2006-09-30	16.28%
2006-06-30	17.64%
2006-03-31	17.61%
2005-12-31	18.18%
2005-09-30	19.14%
2005-06-30	19.00%
2005-03-31	19.16%
2004-12-31	19.47%
2004-09-30	18.06%
2004-06-30	18.66%
2004-03-31	18.61%
2003-12-31	18.90%
2003-09-30	19.13%
2003-06-30	19.12%

DATE

RETURN ON EQUITY (ROE)

2026-06-30

10.24%

2026-03-31

9.63%

2025-12-31

8.96%

2025-09-30

8.15%

2025-06-30

11.65%

2025-03-31

12.06%

2024-12-31

12.71%

2024-09-30

12.76%

2024-06-30

13.85%

2024-03-31

15.00%

2023-12-31

15.89%

2023-09-30

18.24%

2023-06-30

17.96%

2023-03-31

15.90%

2022-12-31

14.62%

2022-09-30

8.01%

2022-06-30

5.26%

2022-03-31

4.33%

2021-12-31

3.99%

2021-09-30

11.57%

2021-06-30

12.35%

2021-03-31

12.67%

2020-12-31

9.06%

2020-09-30

9.89%

2020-06-30

11.05%

2020-03-31

11.76%

2019-12-31

14.20%

2019-09-30

14.27%

2019-06-30

14.00%

2019-03-31

13.56%

2018-12-31

14.85%

2018-09-30

10.49%

2018-06-30

10.16%

2018-03-31

9.90%

2017-12-31

7.56%

2017-09-30

11.29%

2017-06-30

9.46%

2017-03-31

9.21%

2016-12-31

8.95%

2016-09-30

8.45%

2016-06-30

8.90%

2016-03-31

9.70%

2015-12-31

9.87%

2015-09-30

9.46%

2015-06-30

7.31%

2015-03-31

6.29%

2014-12-31

5.22%

2014-09-30

3.82%

2014-06-30

40.16%

2014-03-31

52.72%

2013-12-31

55.58%

2013-09-30

58.71%

2013-06-30

14.90%

2013-03-31

11.03%

2012-12-31

-0.10%

2012-09-30

-6.50%

2012-06-30

-8.71%

2012-03-31

-8.99%

2011-12-31

-8.78%

2011-09-30

-102.35%

2011-06-30

-97.34%

2011-03-31

-128.72%

2010-12-31

-129.41%

2010-09-30

-25.77%

2010-06-30

-24.51%

2010-03-31

-40.02%

2009-12-31

-33.26%

2009-09-30

-29.01%

2009-06-30

-28.23%

2009-03-31

2.73%

2008-12-31

6.12%

2008-09-30

11.82%

2008-06-30

12.68%

2008-03-31

11.97%

2007-12-31

15.99%

2007-09-30

16.68%

2007-06-30

16.86%

2007-03-31

14.36%

2006-12-31

14.92%

2006-09-30

16.28%

2006-06-30

17.64%

2006-03-31

17.61%

2005-12-31

18.18%

2005-09-30

19.14%

2005-06-30

19.00%

2005-03-31

19.16%

2004-12-31

19.47%

2004-09-30

18.06%

2004-06-30

18.66%

2004-03-31

18.61%

2003-12-31

18.90%

2003-09-30

19.13%

2003-06-30

19.12%

Return on Equity (ROE): 10.24%

OSBC Return on Equity (ROE)

OSBC Average Return on Equity (ROE) Chart

OSBC Current vs Average Return on Equity (ROE) Chart

OSBC Return on Equity (ROE) Metrics

OSBC Competitors' Return on Equity (ROE)

Return Analysis

Return on Equity (ROE) Formula & Definition

Return on Equity (ROE) FAQ

OSBC Return on Equity (ROE) History

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