OSBC on Nasdaq

OLD SECOND BANCORP INC

OLD SECOND BANCORP INC is a corporation organized under the laws of the State of Delaware in 1981.2 It is headquartered in Aurora, United States.2 Its shares trade on Nasdaq under the symbol OSBC.2

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Last updated Oct 20, 2026.

Overview

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  • TickerOSBC on Nasdaq2
  • IndustryState Commercial Banks2
  • HeadquartersAurora, United States2
  • Incorporated inDE3
  • Business address37 S River St, Aurora, Il 605073
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation2
  • LEI549300XVJC1MPUT81C042
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O CORPORATION SERVICE COMPANY, 19808 Wilmington, United States2
  • Registered withDivision of Corporations, Department of State, 9227412

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Old Second Bancorp, Inc. is a corporation organized under the laws of the State of Delaware in 1981 that serves as the bank holding company for its wholly-owned subsidiary bank, Old Second National Bank. Old Second National Bank (the “Bank”) is a national banking association headquartered in Aurora, Illinois, that operates through 55 banking centers located in Cook, DeKalb, DuPage, Kane, Kendall, LaSalle and Will counties in Illinois.6 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Fiduciary and Trust brought in 49% of the revenue OLD SECOND BANCORP INC broke down this way in fiscal 2025.

  1. Fiduciary and Trust$13.2M749%up 16% from 2024
  2. Deposit Account$11.3M742%up 10% from 2024
  3. Mortgage servicing income$1.9M77%down 4% from 2024
  4. Mortgage Banking$372.0K71%up 30% from 2024
Products and services by year
Products and services202320242025
Fiduciary and Trust$9.8M$11.4M$13.2M
Deposit Account$9.8M$10.2M$11.3M
Mortgage servicing income$2.0M$1.9M$1.9M
Mortgage Banking$259.0K$287.0K$372.0K

Financial statements

Net income8910117$80.3M in 2025+104% since 2019
0$25.0M$50.0M$75.0M$100.0M2019: $39.5M$39.5M20192020: $27.8M$27.8M2020−29%2021: $20.0M$20.0M2021−28%2022: $67.4M$67.4M2022+236%2023: $91.7M$91.7M2023+36%2024: $85.3M$85.3M2024−7%2025: $80.3M$80.3M2025−6%

Every line of the income statement as filed: the last 3 fiscal years, latest first.7

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$305.8M$253.3M$244.2M
Loans held-for-sale$127.0K$94.0K$91.0K
Taxable$38.2M$34.7M$37.9M
Tax exempt$4.9M$5.2M$5.3M
Dividends from FHLBC and FRBC stock$1.5M$2.3M$1.9M
Interest bearing deposits with financial institutions$4.6M$2.4M$2.5M
Total interest and dividend income$355.2M$297.9M$292.0M
Savings, NOW, and money market deposits$27.5M$17.9M$8.8M
Time deposits$28.9M$20.1M$6.6M
Securities sold under repurchase agreements$229.0K$337.0K$93.0K
Other short-term borrowings$2.0M$14.6M$18.8M
Junior subordinated debentures$1.2M$1.1M$1.1M
Subordinated debentures$2.2M$2.2M$2.2M
Senior notes$2.4M
Notes payable and other borrowings$316.0K$87.0K
Total interest expense$62.2M$56.3M$40.0M
Net interest and dividend income$293.0M$241.6M$251.9M
Provision for credit losses$27.6M$12.8M$16.5M
Net interest and dividend income after provision for credit losses$265.4M$228.9M$235.4M
Mortgage servicing rights mark to market loss-$1.9M-$723.0K-$1.4M
Net gain on sales of mortgage loans$2.3M$1.8M$1.5M
Securities gains (losses), net$7.0K-$4.1M
Change in cash surrender value of BOLI$3.2M$3.6M$2.1M
Death benefit realized on BOLI$430.0K$905.0K
Card related income$10.6M$10.1M$10.1M
Other income$5.0M$4.2M$4.2M
Total noninterest income$46.4M$43.8M$34.2M
Salaries and employee benefits$124.7M$98.0M$88.6M
Occupancy, furniture and equipment$19.1M$16.2M$14.4M
Computer and data processing$13.8M$9.5M$7.3M
FDIC insurance$2.8M$2.5M$2.7M
Net teller & bill paying$2.7M$2.2M$2.1M
General bank insurance$1.4M$1.3M$1.2M
Amortization of core deposit intangible$4.5M$2.4M$2.5M
Advertising expense$1.3M$1.2M$721.0K
Card related expense$6.2M$5.6M$5.1M
Legal fees$1.7M$1.3M$927.0K
Consulting & management fees$3.9M$2.5M$2.4M
Other real estate expense, net$2.1M$2.2M$399.0K
Other expense$19.6M$14.8M$16.8M
Total noninterest expense$204.0M$159.7M$145.2M
Income before income taxes$107.8M$113.0M$124.4M
Provision for income taxes$27.4M$27.7M$32.7M
Net income$80.3M$85.3M$91.7M
Basic earnings per share$1.64$1.90$2.05
Diluted earnings per share$1.62$1.87$2.02
Dividends declared per share$0.25$0.21$0.20

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Corporate structure

OLD SECOND BANCORP INC sits at the top of its group. 3 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of OLD SECOND BANCORP INC

  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G on OLD SECOND BANCORP INC, latest Oct 8, 2026
  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on OLD SECOND BANCORP INC, latest Mar 27, 2026 (2 filings since Feb 13, 2024)
  • FJ Capital Management LLC Filed SCHEDULE 13G/A on OLD SECOND BANCORP INC, latest Nov 13, 2024 (4 filings since Feb 11, 2022)
  • BANC FUNDS CO LLC Filed SC 13G/A on OLD SECOND BANCORP INC, latest Feb 10, 2022
  • OLD SECOND BANCORP INC Aurora, Illinois, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What OLD SECOND BANCORP INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$172.1M7 Dec 31, 2025$166.6M7 Dec 31, 2024+3.3%
Accumulated depreciation$85.5M7 Dec 31, 2025$79.3M7 Dec 31, 2024+7.7%
Property and equipment, net$86.6M7 Dec 31, 2025$87.3M7 Dec 31, 2024−0.8%
Operating-lease assets (leased space)$7.9M7 Dec 31, 2025$7.4M7 Dec 31, 2024+7.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$124.0M7 Dec 31, 2025$99.3M7 Dec 31, 2024+24.9%
Deposits held (banks)$5.6B7 Dec 31, 2025$4.8B7 Dec 31, 2024+17.3%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$129.2M7 Dec 31, 2025$93.3M7 Dec 31, 2024+38.5%
Intangible assets, net (excluding goodwill)$23.7M7 Dec 31, 2025$22.0M7 Dec 31, 2024+7.5%

Properties, in its own words

We conduct our business primarily at 55 banking locations in various communities throughout the greater western and southern Chicago metropolitan area. The principal business office of the Company is located at 37 South River Street, Aurora, Illinois. We own 46 of our properties and lease nine of our locations. Our nine leased locations are under agreements that expire between July 31, 2026 through February 12, 2043. We believe that all of our properties and equipment are well maintained, in good operating condition and adequate for all of our present and anticipated needs.

Item 2 of the 10-K filed Feb 26, 2026.6

Leadership

Who has led OLD SECOND BANCORP INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. William B. Skoglund2006–2018
  2. J. Douglas Cheatham2006
  3. James Eccher2009–now

Chair

  1. William B. Skoglund2018–2021
  2. James Eccher2022–now

President

  1. Darin Patrick Campbell2025–now

Chief financial officer

  1. J. Douglas Cheatham2006–2017
  2. Bradley S. Adams2017–now

Chief operating officer

  1. James Eccher2010–2015
  2. Bradley S. Adams2025–now
2010201520202025
Board members and other officers (29)

Subsidiaries and ownership

Subsidiaries (GLEIF)

Subsidiaries (Exhibit 21)

  • State of Delaware4

Ownership links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); each one cites its LEI record. The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Oct 1, 20268-K Other events50
  2. Jul 22, 20268-K Results of operations51
  3. Jul 21, 20268-K Other events52
  4. Jul 8, 20268-K Executive or director change53
  5. Jul 1, 20268-K Other events54
  6. Jun 25, 20268-K Other events55
  7. Jun 9, 20268-K Executive or director change56
  8. May 20, 20268-K Shareholder vote57
  9. May 19, 20268-K Regulation FD disclosure58
  10. Apr 22, 20268-K Results of operations59
  11. Apr 21, 20268-K Other events60
  12. Apr 1, 20268-K Other events61
  13. Feb 19, 2009New chief executive James Eccher becomes CEO15
  14. Dec 29, 2006New chief executive J. Douglas Cheatham becomes CEO17
  15. Apr 3, 2006New chief executive William B. Skoglund becomes CEO16
  16. Sep 18, 1981Founded OLD SECOND BANCORP INC is founded2

Calendar

Coming up

  1. Oct 21, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $0.53 a share, on Oct 22, 2025.62

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results51
  2. Apr 22, 2026Reported quarterly or annual results59
  3. Jan 21, 2026Reported quarterly or annual results63
  4. Oct 22, 2025Reported quarterly or annual results64
  5. Jul 23, 2025Reported quarterly or annual results65
  6. Apr 23, 2025Reported quarterly or annual results66
  7. Jan 22, 2025Reported quarterly or annual results67
  8. Oct 16, 2024Reported quarterly or annual results68

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

458 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 104 major events, 275 insider forms, 12 large holders, 47 other. The latest 20:

  1. Oct 8, 2026SCHEDULE 13G EDGAR
  2. Oct 1, 20264 EDGAR
  3. Oct 1, 20264 EDGAR
  4. Oct 1, 20264 EDGAR
  5. Oct 1, 20264 EDGAR
  6. Oct 1, 20264 EDGAR
  7. Oct 1, 20268-K EDGAR
  8. Sep 23, 2026144 EDGAR
  9. Sep 23, 20264 EDGAR
  10. Sep 11, 20264 EDGAR
  11. Sep 8, 2026144 EDGAR
  12. Sep 8, 20264 EDGAR
  13. Sep 8, 20264/A EDGAR
  14. Sep 3, 20264 EDGAR
  15. Sep 3, 20264 EDGAR
  16. Sep 2, 2026144 EDGAR
  17. Aug 18, 2026S-3ASR EDGAR
  18. Aug 13, 20264 EDGAR
  19. Aug 12, 20264 EDGAR
  20. Aug 11, 2026144 EDGAR

The 458 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

44 open-market trades by officers, directors and large owners since October 2021: 14 buys and 30 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 23, 2026COLLINS GARY SVICE CHAIRMANSale16,000$24.69$395.0KForm 4
Sep 8, 2026MCLEAN HUGH HDirectorSale25,000$25.63$640.8KForm 4
Sep 4, 2026COLLINS GARY SVICE CHAIRMANSale5,000$25.71$128.6KForm 4
Sep 3, 2026MCLEAN HUGH HDirectorSale25,000$25.73$643.2KForm 4
Sep 2, 2026Campbell Darin PatrickPresident, Powersports LendingSale24,000$25.53$612.7KForm 4
Aug 12, 2026Eccher JamesCHAIRMAN AND CEOSale19,313$25.61$494.6KForm 4
Aug 11, 2026Eccher JamesCHAIRMAN AND CEOSale55,687$25.46$1.4MForm 4
May 22, 2026COLLINS GARY SVICE CHAIRMANSale5,120$21.12$108.1KForm 4
May 21, 2026COLLINS GARY SVICE CHAIRMANSale10,000$21.12$211.2KForm 4
May 11, 2026Lyons Billy J Jr.DirectorBuy24$20.90$502Form 4
May 11, 2026Pilmer DonaldEVPSale25,000$20.75$518.8KForm 4
May 8, 2026COLLINS GARY SVICE CHAIRMANSale15,000$21.24$318.6KForm 4
Mar 20, 2026COLLINS GARY SVICE CHAIRMANSale22,154$19.38$429.3KForm 4
Feb 18, 2026Campbell Darin PatrickPresident, Powersports LendingSale35,000$20.94$732.9KForm 4
Feb 13, 2026Campbell Darin PatrickPresident, Powersports LendingSale91$20.70$1.9KForm 4
Feb 5, 2026Gartelmann Richard A JREVPSale2,000$20.98$42.0KForm 4
Jan 15, 2026Ladowicz JohnDirectorSale4,762$20.95$99.8KForm 4
Dec 9, 2025Ladowicz JohnDirectorSale12,500$20.00$250.0KForm 4
Nov 26, 2025Ladowicz JohnDirectorSale13,150$19.01$250.0KForm 4
Oct 31, 2025Campbell Darin PatrickPresident, Powersports LendingSale31,159$17.89$557.4KForm 4

All 44 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.4,298,683$100.2M0.0%+172,439
Dimensional Fund Advisors LP2,498,671$58.3M0.0%+109,809
Vanguard Capital Management LLC2,179,877$50.8M0.0%−71,972
State Street Corp1,839,202$42.9M0.0%+239,900
Davis Asset Management, L.P.1,800,000$42.0M1.1%No change
American Century Companies Inc1,783,820$41.6M0.0%+192,877
Goldman Sachs Group Inc1,624,852$37.9M0.0%−66,671
FJ Capital Management LLC1,460,413$34.1M4.4%−44,689
Boston Partners1,415,165$32.9M0.0%−28,724
Geode Capital Management, LLC1,349,432$31.5M0.0%+67,421
Kennedy Capital Management LLC1,236,983$28.8M0.5%−31,507
Banc Funds Co LLC1,034,143$24.1M4.0%+5,000
Manufacturers Life Insurance Company, The872,651$20.4M0.0%−6,019
Vanguard Portfolio Management LLC819,368$19.1M0.0%+106,935
Stieven Capital Advisors, L.P.815,328$19.0M3.6%+41,800
River Street Advisors LLC779,008$18.2M5.4%+32,348
Northern Trust Corp555,408$13.0M0.0%−208,933
Alliancebernstein L.P.641,845$12.9M0.0%−49,000
Jpmorgan Chase & Co555,602$12.9M0.0%−145,351
Wellington Management Group Llp544,345$12.7M0.0%−313,440
Nuveen, LLC492,162$11.5M0.0%+72,520
Bridgeway Capital Management, LLC453,323$10.6M0.2%+15,068
Charles Schwab Investment Management Inc431,304$10.1M0.0%+394
Aqr Capital Management LLC386,234$9.0M0.0%−5,726
Bank Of America Corp /de/372,648$8.7M0.0%+41,318

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How OLD SECOND BANCORP INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROLD SECOND BANCORP INC1
  • CIK0000357173
  • Employer ID (EIN)36-31434936
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company6
  • Incorporated inDelaware6
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address37 S River St, Aurora, IL 605071
  • Mailing address37 South River Street, Aurora, IL 605071
  • Phone63089202021
  • Shares outstanding50,875,716 as of Aug 4, 202613
  • Public float$760.5M as of Jun 30, 20256
  • AuditorPlante & Moran PLLC, Chicago, Illinois PCAOB ID 166; it also attests to the company’s internal control over financial reporting6
  • On EDGAR sinceAug 15, 19951
  • Filings1,873 in all: 4 (1,026), 8-K (389), 10-Q (93), SC 13G/A (37), 4/A (34), DEF 14A (32), 10-K (28), 11-K (26)1
    All 49 form types

    3 (22), 144 (21), SC 13G (21), CORRESP (15), UPLOAD (12), PRE 14A (10), EFFECT (9), 425 (8), S-3 (8), S-8 (8), 8-K/A (7), S-3/A (6), 10-Q/A (5), ARS (4), DEFA14A (4), SC TO-I/A (4), 10-K/A (3), 10-K405 (3), 424B3 (3), S-1/A (3), S-4 (3), 424B1 (2), 424B5 (2), 8-A12G (2), 8-A12G/A (2), FWP (2), NT 11-K (2), S-4/A (2), SC TO-I (2), SCHEDULE 13G/A (2), 144/A (1), 15-12G (1), 25-NSE (1), 424B2 (1), 424B4 (1), 5 (1), D (1), S-1 (1), S-3ASR (1), SC 13D (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Feb 26, 2026
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Apr 6, 2026
    Latest 8-K (8-K) Oct 1, 2026

Securities registered for trading

ClassSymbolExchange
Common StockOSBCNasdaq

From the cover page of the 10-K filed Feb 26, 2026 (Section 12(b) of the Exchange Act).6

Risk factors and legal proceedings

The risks OLD SECOND BANCORP INC names in Item 1A of its 10-K filed Feb 26, 2026: 49 risks under these headings, as written.6

  • Risks Related to Economic Conditions
  • Our business may be adversely affected by economic conditions.
  • Inflationary pressures present a potential threat to our results of operation and financial condition.
  • Our trust and wealth management business may be negatively impacted by changes in economic and market conditions and clients may seek legal remedies for investment performance.
  • Increasing scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.
  • Climate change could have a material adverse impact on us and our customers.
  • Credit and Interest Rate Risks
  • If we fail to effectively manage credit risk, our business and financial condition will suffer.
  • Our allowance for credit losses, or ACL, and fair value adjustments with respect to acquired loans, may be insufficient to absorb potential losses in our loan portfolio, which may adversely affect our business, financial condition and results of operations.
  • Our loan portfolio is concentrated heavily in commercial and residential real estate loans, including exposure to construction loans, which involve risks specific to real estate values and the real estate markets in general.
  • Real estate market volatility and future changes in disposition strategies could result in net proceeds that differ significantly from our fair value appraisals of loan collateral and OREO and could negatively impact our operating performance.
  • We are subject to interest rate risk, and a change in interest rates could have a negative effect on our net income.
The other 39 risks
  • Rapidly rising interest rates will impact the value of our investment securities and the cost of our funding sources, including deposits.
  • Nonperforming assets take significant time to resolve, adversely affect our results of operations and financial condition and could result in further losses in the future.
  • Operational Risks
  • We are a community bank and our ability to maintain our reputation is critical to the success of our business and the failure to do so may materially adversely affect our performance.
  • We operate in a highly competitive industry and market area and may face severe competitive disadvantages.
  • We depend on our executive officers and other key employees, and our ability to attract additional key personnel, to continue the implementation of our long-term business strategy, and we could be harmed by the unexpected loss of their services.
  • If we are unable to offer our key management personnel long-term incentive compensation, including options, restricted stock, and restricted stock units, as part of their total compensation package, we may have difficulty retaining such personnel, which would adversely affect our operations and financial performance.
  • We depend on outside third parties for the processing and handling of our records and data.
  • Our use of third-party vendors and our other ongoing third-party business relationships are subject to regulatory requirements and attention.
  • We are at risk of increased losses from fraud.
  • Privacy and Technology-Related Risks
  • Failure to keep pace with technological change could adversely affect our business.
  • Our information systems may experience an interruption or breach in security and cyber-attacks, all of which could have a material adverse effect on our business.
  • The development and use of Artificial Intelligence (“AI”) presents risks and challenges that may adversely impact our business.
  • Growth and Strategic Risks
  • We may not be able to implement our growth strategy or manage costs effectively, resulting in lower earnings or profitability.
  • Our strategic growth plans contemplate additional organic growth and potential growth through additional mergers and acquisitions, which exposes us to additional risks.
  • Future acquisitions may be delayed, impeded, or prohibited due to regulatory issues.
  • We may be exposed to difficulties in combining the operations of acquired or merged businesses, including First Merchants and Bancorp Financial, into our own operations, which may prevent us from achieving the expected benefits from our merger and acquisition activities.
  • New lines of business, products, product enhancements or services may subject us to additional risks.
  • Industry-Related Risks
  • Our estimate of fair values for our investments may not be realizable if we were to sell these securities today.
  • Monetary policies and regulations of the Federal Reserve could adversely affect our business, financial condition and results of operations.
  • Our deposit insurance premiums could be substantially higher in the future, which could have a material adverse effect on our future earnings.
  • Adverse developments affecting the financial services industry, such as recent bank failures or concerns involving liquidity, may have a material adverse effect on the Company’s operations.
  • Legal, Accounting, Regulatory and Compliance Risks
  • We face a risk of noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations and corresponding enforcement proceedings.
  • We may be materially and adversely affected by the highly regulated environment in which we operate.
  • We face risks related to the adoption of future legislation and potential changes in federal regulatory agency leadership, policies, and priorities.
  • Our accounting estimates and risk management processes and controls rely on analytical and forecasting techniques and models and assumptions, which may not accurately predict future events.
  • We are subject to fair lending laws, and failure to comply with these laws could lead to material penalties.
  • We could be subject to changes in tax laws, regulations, and interpretations or challenges to our income tax provision.
  • Given our expanded retail business we are subject to various state consumer protection laws and tax codes.
  • We could become subject to claims and litigation pertaining to our fiduciary responsibility.
  • We are defendants in a variety of litigation and other actions.
  • From time to time we are, or may become, involved in suits, legal proceedings, information-gatherings, investigations and proceedings by governmental and self-regulatory agencies that may lead to adverse consequences.
  • Capital and Liquidity Risks
  • Our business needs and future growth may require us to raise additional capital, but that capital may not be available or may be dilutive.
  • We could experience an unexpected inability to obtain needed liquidity.
  • We may not be able to maintain a strong core deposit base or access other low-cost funding sources.
  • Risks Related to an Investment in Our Common Stock
  • Our future ability to pay dividends is subject to restrictions.
  • The trading volumes in our common stock may not provide adequate liquidity for investors.
  • The trading price of our common stock may be subject to continued significant fluctuations and volatility.
  • Shares of our common stock are subject to dilution, which could cause our common stock price to decline.
  • Certain banking laws and our governing documents may have an anti-takeover effect and may make it difficult and expensive to remove current management.

Legal proceedings

The Company and its subsidiaries have, from time to time, collection suits and other actions that arise in the ordinary course of business against its borrowers and are defendants in legal actions arising from normal business activities. Management, after consultation with legal counsel, believes that the ultimate liabilities, if any, resulting from these actions will not have a material adverse effect on the financial position of the Bank or on the consolidated financial position of the Company.

The opening of Item 3, Legal Proceedings.6

Sources

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  63. 63
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69
  70. 70
  71. 71
  72. 72