Old Second Bancorp, Inc. recently convened its financial community and key stakeholders for its eagerly anticipated third quarter 2026 earnings call, held on the morning of October 22, 2026, at 10:00 AM Eastern Time. The conference call served as a comprehensive platform for the regional bank holding company’s leadership team to review the quarter’s financial results, discuss ongoing strategic initiatives, and outline the company’s broader operational trajectory within the current macroeconomic environment.

The executive leadership team representing Old Second Bancorp on the call featured prominent figures guiding the institution’s strategic direction. Leading the presentation was James Eccher, who serves as the company’s President, Chief Executive Officer, and Chairman of the Board. Joining him to provide deeper operational and financial insights was Bradley Adams, who holds the dual roles of Executive Vice President, Chief Operating Officer, and Chief Financial Officer. Additionally, the executive roster included Darin Campbell, who serves as a Director, Executive Vice President, and President of National Specialty Lending, as well as holding presidential leadership responsibilities for FreedomRoad Financial and Performance Finance divisions, which represent significant specialty lending verticals for the organization.

The financial community maintained a strong presence during the conference call, reflecting continued institutional interest in Old Second Bancorp’s performance, asset quality, and lending strategies. Among the participating research analysts dialing in to question management were Nathan Race from the Research Division of Piper Sandler & Co., Mark Shutley representing the Research Division of Keefe, Bruyette, & Woods, Inc., and Jeff Rulis participating from the Research Division of D.A. Davidson & Co. Additional coverage and questioning came from Kenneth Kohut of the Research Division of Raymond James & Associates, Inc., Brandon Rud representing the Research Division of Stephens Inc., and Brian Martin participating from the Research Division of Brean Capital, LLC.

Proceedings officially commenced with opening remarks delivered by the conference call operator, who welcomed all participants, analysts, and stakeholders to the presentation before formally introducing the Old Second executives. Following the introductory housekeeping items, the operator transitioned the presentation into mandatory regulatory disclosures regarding forward-looking statements.

In accordance with standard corporate governance and federal securities regulations, the operator issued a formal cautionary reminder that management’s comments during the earnings call would incorporate forward-looking statements. These forward-looking statements encompass various projections, expectations, and estimations regarding Old Second’s future business operations, underlying strategic initiatives, growth prospects, and broader financial performance. Listeners and investors were reminded that these statements are fundamentally rooted in management’s existing expectations, assumptions, and current viewpoints regarding the prevailing economic environment.

Crucially, the operator emphasized that such forward-looking statements do not serve as a guarantee of future operational or financial performance. Actual results, operational milestones, and financial outcomes could differ materially from those projected or implied due to a variety of economic risks, market dynamics, and operational variables. To gain a comprehensive understanding of these potential variables, management explicitly directed participants and investors to refer to Old Second Bancorp’s publicly available filings with the Securities and Exchange Commission, where a full and detailed discussion of the company’s specific risk factors is maintained. Furthermore, the operator clarified that the company assumes no legal duty or obligation to update or publicly revise any forward-looking statements following the conclusion of the call, regardless of subsequent developments or shifting economic conditions.

In addition to standard GAAP reporting metrics, the conference call addressed certain non-GAAP financial measures designed to provide supplemental clarity regarding the company’s underlying financial condition and operational efficiency. The operator noted that these specific non-GAAP measures are thoroughly described, analyzed, and reconciled to their most directly comparable GAAP financial counterparts within the official earnings release document. This release was made available to the public and interested investors on the morning of the call through the corporate website at oldsecond.com, accessible both directly on the homepage and via the dedicated Investor Relations section.

Following the initial operational framework, regulatory disclosures, and introductions provided by the conference operator, the call was prepared for transition to executive management for the core presentation of the third quarter 2026 financial results, paving the way for detailed commentary from Chief Executive Officer James Eccher, Chief Financial Officer Bradley Adams, and specialty lending head Darin Campbell regarding the bank’s operational momentum and subsequent analyst dialogue.