HIGHBuilt-inGeographic
66.8%
Illinois, Wisconsin, and Indiana
“10-K Item 1: 'approximately 66.8% of our commercial real estate portfolio was secured by property located in Illinois, Wisconsin or Indiana'”
OSBC · Concentration risk · 10-K extracted
Old Second Bancorp (OSBC) concentration risks
Updated
The most significant concentration Old Second Bancorp discloses is Illinois, Wisconsin, and Indiana at 66.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Old Second Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH1
MEDIUM1
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
36.5%
commercial real estate loans
“10-K Item 1: 'commercial real estate loans represented approximately 36.5% (44.3% at year-end 2024) of our loan portfolio'”
LOWBuilt-inLoan_portfolio
13.3%
powersport loans
“10-K Item 1: 'powersport loans represented approximately 13.3% (0.0% at year-end 2024)'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Old Second Bancorp's concentration exposures are primarily geographic and asset-class in nature. Approximately 66.8% of the commercial real estate portfolio is secured by property in Illinois, Wisconsin, or Indiana — a high-share, structural exposure reflecting the bank's regional footprint rather than any single counterparty. Within the loan book, commercial real estate loans represented approximately 36.5% of the portfolio, down from 44.3% at year-end 2024, a medium-share exposure that has been shrinking as a share of the mix. Powersport loans, a newer addition, represented 13.3% of the portfolio versus 0.0% at year-end 2024 — a low-share exposure but one that has grown quickly from a standing start. Together these exposures paint a bank whose risk is concentrated by geography within an asset class that is itself moderating in share, while a new lending line is still small enough not to move the overall risk profile. The three-state real estate concentration is the exposure most likely to matter in a regional downturn, since it combines a high geographic share with a structural, non-diversified footprint; the shifting commercial real estate share and the nascent powersport book are second-order considerations by comparison.
For the engine’s reasoning on OSBC’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| OSBC● | Old Second Bancorp, Inc. | 1 | 1 | 1 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.