Old Second Bancorp (OSBC) Provision for Credit Losses (2009 - 2026)
Old Second Bancorp (OSBC) posted Provision for Credit Losses of $6.75 million for Q3 2026, down 65.7% from $19.65 million a year earlier and down 10.0% from the prior quarter.
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Analysis
Old Second Bancorp (OSBC) Provision for Credit Losses (2009 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Provision for Credit Losses at Old Second Bancorp was $26.62 million, down 7.1% year-over-year; for FY2025, it was $27.55 million, up 102.8% from FY2024.
- Annual Provision for Credit Losses shows a five-year compound annual growth rate of 21.5% (FY2020 to FY2025).
- In prior years, Old Second Bancorp's Provision for Credit Losses was $13.58 million in FY2024 (-24.9%), $18.09 million in FY2023 (+167.9%), $6.75 million in FY2022 (+56.0%) and $4.33 million in FY2021 (-58.5%).
- Quarterly Provision for Credit Losses has run from a low of $320,000 in Q1 2022 to a high of $19.65 million in Q3 2025 over five years.
- On a year-over-year basis, Provision for Credit Losses increased in three of the last eight quarters, with growth averaging 145.9%.
- The strongest year-over-year quarter for Provision for Credit Losses in the past five years was Q4 2021, with growth of 906.1%; the weakest was Q4 2022, with a decline of 84.2%.
- According to Business Quant data, Provision for Credit Losses for the three prior quarters was $7.5 million (Q2 2026), $9.6 million (Q1 2026) and $2.77 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | 838.45 Bn |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 1.24 Bn |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | - |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 103.00 Mn |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 717.20 Mn |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 368.00 Mn |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 1.03 Bn |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | - |
| 10 | Old Second Bancorp | 1.24 Bn | 748.21 Mn | - | 6.75 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 6.75 Mn |
| Jun 30, 2026 | 7.50 Mn |
| Mar 31, 2026 | 9.60 Mn |
| Dec 31, 2025 | 3.25 Mn |
| Sep 30, 2025 | 19.65 Mn |
| Jun 30, 2025 | 2.50 Mn |
| Mar 31, 2025 | 2.40 Mn |
| Dec 31, 2024 | 4.09 Mn |
| Sep 30, 2024 | 2.00 Mn |
| Jun 30, 2024 | 3.95 Mn |
| Mar 31, 2024 | 3.54 Mn |
| Dec 31, 2023 | 8.00 Mn |
| Sep 30, 2023 | 3.01 Mn |
| Jun 30, 2023 | 2.43 Mn |
| Mar 31, 2023 | 4.65 Mn |
| Dec 31, 2022 | 1.57 Mn |
| Sep 30, 2022 | 4.50 Mn |
| Jun 30, 2022 | 1.33 Mn |
| Mar 31, 2022 | 320,000.00 |
| Dec 31, 2021 | 9.98 Mn |
API Access
Old Second Bancorp Provision for Credit Losses 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=provision-for-credit-losses&ticker=OSBC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=OSBC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();