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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioInterest Coverage RatioInvested CapitalMarket CapitalizationNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Old Second Bancorp (OSBC) Interest Coverage Ratio: 2016-2025

Historic Interest Coverage Ratio for Old Second Bancorp (OSBC) over the last 10 years, with Sep 2025 value amounting to 1.61.

  • Old Second Bancorp's Interest Coverage Ratio fell 44.87% to 1.61 in Q3 2025 from the same period last year, while for Sep 2025 it was 2.66, marking a year-over-year decrease of 12.75%. This contributed to the annual value of 0.42 for FY2024, which is 35.39% down from last year.
  • Per Old Second Bancorp's latest filing, its Interest Coverage Ratio stood at 1.61 for Q3 2025, which was down 55.85% from 3.65 recorded in Q2 2025.
  • In the past 5 years, Old Second Bancorp's Interest Coverage Ratio ranged from a high of 11.90 in Q3 2022 and a low of -4.27 during Q4 2021.
  • In the last 3 years, Old Second Bancorp's Interest Coverage Ratio had a median value of 3.16 in 2024 and averaged 3.49.
  • Over the last 5 years, Old Second Bancorp's Interest Coverage Ratio had its largest YoY gain of 872.70% in 2021, and its largest YoY loss of 167.17% in 2021.
  • Over the past 5 years, Old Second Bancorp's Interest Coverage Ratio (Quarterly) stood at -4.27 in 2021, then spiked by 327.50% to 9.72 in 2022, then plummeted by 69.11% to 3.00 in 2023, then decreased by 4.95% to 2.85 in 2024, then plummeted by 44.87% to 1.61 in 2025.
  • Its Interest Coverage Ratio stands at 1.61 for Q3 2025, versus 3.65 for Q2 2025 and 3.46 for Q1 2025.