Old Second Bancorp (OSBC) Interest Coverage Ratio (2010 - 2026)
Old Second Bancorp (OSBC) posted Interest Coverage Ratio of 1.7 for Q1 2026, up 6782.24% on a QoQ basis from 0.02 in Q4 2025, and up 19.63% year-over-year from 1.42 in Q1 2025.
Old Second Bancorp (OSBC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Old Second Bancorp's Interest Coverage Ratio history runs 17 years deep, the most recent figure standing at 1.7 for Q1 2026.
- Quarterly Interest Coverage Ratio rose 19.63% year-over-year to 1.7 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.8 (up 7.88% YoY) and the FY2025 annual result came in at 2.73, up 5.24% from the prior year.
- Interest Coverage Ratio was 1.7 for Q1 2026 at Old Second Bancorp, up from 0.02 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 9.72 in Q4 2022 and bottomed at 0.02 in Q4 2025.
- A 5-year average of 2.14 and a median of 1.35 in 2024 frame the typical range for Interest Coverage Ratio.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio jumped 327.5% — and 2025, when it plunged 93.32%.
- Old Second Bancorp's Interest Coverage Ratio stood at 9.72 in 2022, then tumbled by 69.11% to 3.0 in 2023, then sank by 87.67% to 0.37 in 2024, then sank by 93.32% to 0.02 in 2025, then soared by 6782.24% to 1.7 in 2026.
- Business Quant data shows OSBC's Interest Coverage Ratio at 1.7 in Q1 2026, 0.02 in Q4 2025, and 1.25 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | KB Financial | 42,090.38 Bn | 42,090.38 Bn | -786,828.77 | -3.02 |
| 2 | Shinhan Financial | 33,919.15 Bn | 33,919.15 Bn | - | -0.53 |
| 3 | Bank Of Chile | 4,123.52 Bn | 4,123.52 Bn | 167,623.00 | -1.52 |
| 4 | Lloyds Banking | 360.83 Bn | 360.83 Bn | - | - |
| 5 | First Capital | 204.17 Bn | 203.82 Bn | - | 1.27 |
| 6 | Landmark Bancorp | 187.97 Bn | 187.94 Bn | - | 2.19 |
| 7 | NatWest | 144.82 Bn | -51.17 Bn | - | - |
| 8 | Pnc Financial Services | 101.80 Bn | 101.80 Bn | - | 1.86 |
| 9 | Us Bancorp | 99.51 Bn | 99.51 Bn | - | 1.49 |
| 10 | Old Second Bancorp | 1.26 Bn | 1.15 Bn | - | 1.70 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.70 |
| Dec 31, 2025 | 0.02 |
| Sep 30, 2025 | 1.25 |
| Jun 30, 2025 | 1.50 |
| Mar 31, 2025 | 1.42 |
| Dec 31, 2024 | 0.37 |
| Sep 30, 2024 | 1.49 |
| Jun 30, 2024 | 1.35 |
| Mar 31, 2024 | 1.33 |
| Dec 31, 2023 | 3.00 |
| Sep 30, 2023 | 3.90 |
| Jun 30, 2023 | 4.39 |
| Mar 31, 2023 | 1.30 |
| Dec 31, 2022 | 9.72 |
| Sep 30, 2022 | 1.20 |
| Jun 30, 2022 | 1.18 |
| Mar 31, 2022 | 1.30 |
| Dec 31, 2021 | -4.27 |
| Sep 30, 2021 | 6.21 |
| Jun 30, 2021 | 6.34 |