Old Second Bancorp (OSBC) Interest Coverage Ratio (2010 - 2026)
Old Second Bancorp's (OSBC) quarterly Interest Coverage Ratio came in at 1.7 in Q1 2026, up 19.63% YoY from 1.42 in Q1 2025, and down 44.05% on a QoQ basis from 3.04 in Q4 2025.
Old Second Bancorp (OSBC) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Old Second Bancorp (OSBC) has 17 years of Interest Coverage Ratio data on file, last reported at 1.7 in 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 6.03 (up 35.38% YoY) and the FY2025 annual result came in at 2.73, up 5.24% from the prior year.
- Interest Coverage Ratio retreated to 1.7 in Q1 2026, from 3.04 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 9.72 in Q4 2022 to a low of 0.02 in Q4 2023.
- A 5-year average of 2.15 and a median of 1.35 in 2024 frame the typical range for Interest Coverage Ratio.
- Annual changes were most pronounced in 2023 — Interest Coverage Ratio tumbled 99.82% — and 2024, when it jumped 2034.15%.
- Tracing OSBC's Interest Coverage Ratio over 5 years: stood at 9.72 in 2022, then slumped by 99.82% to 0.02 in 2023, then jumped by 2034.15% to 0.37 in 2024, then surged by 721.53% to 3.04 in 2025, then slumped by 44.05% to 1.7 in 2026.
- The last three Interest Coverage Ratio figures came in at 1.7 (Q1 2026), 3.04 (Q4 2025), and 1.25 (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 1.49 |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 1.90 |
| 10 | Old Second Bancorp | 1.29 Bn | 1.15 Bn | - | 3.12 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.77 |
| Mar 31, 2026 | 1.70 |
| Dec 31, 2025 | 3.04 |
| 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 | 0.02 |
| 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 | 3.37 |
| Sep 30, 2021 | 6.21 |