Old Second Bancorp annual debt-to-equity ratio
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2025
Old Second Bancorp Debt-to-Equity Ratio Growth & History (OSBC)
Old Second Bancorp's debt-to-equity ratio was 0.39 for fiscal 2025.
View full Old Second Bancorp company overviewOld Second Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.39 | 0.16 | +70.45% |
| 2024 | 2024-12-31 | 0.23 | −0.68 | −74.86% |
| 2023 | 2023-12-31 | 0.91 | 0.35 | +61.78% |
| 2022 | 2022-12-31 | 0.57 | 0.17 | +42.77% |
| 2021 | 2021-12-31 | 0.40 | −0.13 | −24.21% |
| 2020 | 2020-12-31 | 0.52 | −0.22 | −29.45% |
| 2019 | 2019-12-31 | 0.74 | −0.63 | −45.84% |
| 2018 | 2018-12-31 | 1.37 | 0.14 | +11.13% |
| 2017 | 2017-12-31 | 1.23 | 0.10 | +9.31% |
| 2016 | 2016-12-31 | 1.13 | 0.15 | +15.44% |
| 2015 | 2015-12-31 | 0.98 | 0.10 | +11.47% |
| 2014 | 2014-12-31 | 0.88 | −0.01 | −1.67% |
| 2013 | 2013-12-31 | 0.89 | −2.17 | −70.88% |
| 2012 | 2012-12-31 | 3.06 | 1.64 | +115.87% |
| 2011 | 2011-12-31 | 1.42 | — | — |
Old Second Bancorp quarterly debt-to-equity ratio
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| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.52 | 0.33 | +181.48% |
| Q1 2026 | 2026-03-31 | 0.36 | 0.18 | +102.83% |
| Q4 2025 | 2025-12-31 | 0.39 | 0.16 | +70.45% |
| Q3 2025 | 2025-09-30 | 0.33 | −0.38 | −53.41% |
| Q2 2025 | 2025-06-30 | 0.18 | −0.56 | −75.26% |
| Q1 2025 | 2025-03-31 | 0.18 | −0.39 | −68.59% |
| Q4 2024 | 2024-12-31 | 0.23 | −0.68 | −74.86% |
| Q3 2024 | 2024-09-30 | 0.72 | — | — |
| Q2 2024 | 2024-06-30 | 0.75 | — | — |
| Q1 2024 | 2024-03-31 | 0.57 | — | — |
| Q4 2023 | 2023-12-31 | 0.91 | 0.35 | +61.78% |
| Q4 2022 | 2022-12-31 | 0.57 | 0.17 | +42.77% |
| Q3 2022 | 2022-09-30 | 0.46 | −0.14 | −23.02% |
| Q2 2022 | 2022-06-30 | 0.40 | −0.30 | −42.79% |
| Q1 2022 | 2022-03-31 | 0.39 | −0.16 | −28.88% |
| Q4 2021 | 2021-12-31 | 0.40 | −0.13 | −24.21% |
| Q3 2021 | 2021-09-30 | 0.60 | 0.06 | +10.99% |
| Q2 2021 | 2021-06-30 | 0.69 | 0.14 | +25.65% |
| Q1 2021 | 2021-03-31 | 0.55 | −0.03 | −5.98% |
| Q4 2020 | 2020-12-31 | 0.52 | −0.22 | −29.45% |
| Q3 2020 | 2020-09-30 | 0.54 | −0.36 | −40.17% |
| Q2 2020 | 2020-06-30 | 0.55 | −0.44 | −44.13% |
| Q1 2020 | 2020-03-31 | 0.58 | −0.42 | −41.75% |
| Q4 2019 | 2019-12-31 | 0.74 | −0.63 | −45.84% |
| Q3 2019 | 2019-09-30 | 0.90 | — | — |
| Q2 2019 | 2019-06-30 | 0.99 | −0.18 | −15.73% |
| Q1 2019 | 2019-03-31 | 1.00 | 0.07 | +8.09% |
| Q4 2018 | 2018-12-31 | 1.37 | 0.14 | +11.13% |
| Q2 2018 | 2018-06-30 | 1.17 | — | — |
| Q1 2018 | 2018-03-31 | 0.92 | −0.29 | −24.06% |
| Q4 2017 | 2017-12-31 | 1.23 | 0.10 | +9.31% |
| Q1 2017 | 2017-03-31 | 1.21 | 0.21 | +21.30% |
| Q4 2016 | 2016-12-31 | 1.13 | 0.15 | +15.44% |
| Q3 2016 | 2016-09-30 | 0.87 | −0.21 | −19.25% |
| Q2 2016 | 2016-06-30 | 1.17 | 0.33 | +38.73% |
| Q1 2016 | 2016-03-31 | 1.00 | 0.12 | +13.49% |
| Q4 2015 | 2015-12-31 | 0.98 | 0.10 | +11.47% |
| Q3 2015 | 2015-09-30 | 1.08 | 0.18 | +20.09% |
| Q2 2015 | 2015-06-30 | 0.84 | 0.11 | +14.44% |
| Q1 2015 | 2015-03-31 | 0.88 | −0.10 | −10.36% |
| Q4 2014 | 2014-12-31 | 0.88 | −0.01 | −1.67% |
| Q3 2014 | 2014-09-30 | 0.90 | −0.36 | −28.86% |
| Q2 2014 | 2014-06-30 | 0.74 | −1.15 | −60.99% |
| Q1 2014 | 2014-03-31 | 0.98 | −0.66 | −40.14% |
| Q4 2013 | 2013-12-31 | 0.89 | −2.17 | −70.88% |
| Q3 2013 | 2013-09-30 | 1.26 | −0.23 | −15.31% |
| Q2 2013 | 2013-06-30 | 1.89 | 0.21 | +12.66% |
| Q1 2013 | 2013-03-31 | 1.64 | — | — |
| Q4 2012 | 2012-12-31 | 3.06 | 1.64 | +115.87% |
| Q3 2012 | 2012-09-30 | 1.49 | — | — |
| Q2 2012 | 2012-06-30 | 1.68 | — | — |
| Q4 2011 | 2011-12-31 | 1.42 | — | — |
Old Second Bancorp debt-to-equity ratio trends
Over the last five fiscal years, Old Second Bancorp's debt-to-equity ratio decreased from 0.52 to 0.39, a change of −0.13. The latest reported quarter, Q2 2026, shows 0.52.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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