Old Second Bancorp Inc (OSBC) Interest Coverage Ratio (2010 - 2026)
Old Second Bancorp's Interest Coverage Ratio came in at 3.12 for Q2 2026, down 14.7% from 3.65 a year earlier but up 4.6% from the prior quarter.
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Analysis
Old Second Bancorp Inc (OSBC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Old Second Bancorp reported Interest Coverage Ratio of 2.64, down 16.8% year-over-year; for FY2025, it came in at 2.73, down 9.2% from FY2024.
- Interest Coverage Ratio has declined in each of the last three years.
- Going back by year, Interest Coverage Ratio was 3.01 in FY2024 (-26.8%), 4.11 in FY2023 (-58.4%), 9.87 in FY2022 (+129.7%) and 4.30 in FY2021 (+7.4%).
- The five-year range for quarterly Interest Coverage Ratio is -4.27 (Q4 2021) to 11.90 (Q3 2022).
- Year-over-year, Interest Coverage Ratio increased in three of the last eight quarters, with an average decline of 8.7%.
- The fastest year-over-year change in Interest Coverage Ratio over five years came in Q3 2022 (growth of 91.5%), and the weakest in Q4 2023 (a decline of 69.1%).
- Business Quant data shows OSBC's Interest Coverage Ratio at 2.98 (Q1 2026), 3.04 (Q4 2025) and 1.61 (Q3 2025) in the three quarters before Q2 2026.
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 3.12 |
| Mar 31, 2026 | 2.98 |
| Dec 31, 2025 | 3.04 |
| Sep 30, 2025 | 1.61 |
| Jun 30, 2025 | 3.65 |
| Mar 31, 2025 | 3.46 |
| Dec 31, 2024 | 2.85 |
| Sep 30, 2024 | 2.93 |
| Jun 30, 2024 | 3.16 |
| Mar 31, 2024 | 3.11 |
| Dec 31, 2023 | 3.00 |
| Sep 30, 2023 | 3.90 |
| Jun 30, 2023 | 4.39 |
| Mar 31, 2023 | 6.27 |
| Dec 31, 2022 | 9.72 |
| Sep 30, 2022 | 11.90 |
| Jun 30, 2022 | 8.85 |
| Mar 31, 2022 | 8.83 |
| Dec 31, 2021 | -4.27 |
| Sep 30, 2021 | 6.21 |
API Access
Old Second Bancorp Inc Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=OSBC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "OSBC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=OSBC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();