# OLD SECOND BANCORP INC (OSBC) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from OLD SECOND BANCORP INC's 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/OSBC/mda/fy2025/): filed 2026-02-26; accession 0001104659-26-020393 (https://www.sec.gov/Archives/edgar/data/357173/000110465926020393/osbc-20251231x10k.htm); latest 10-K
- [FY 2024 MD&A](/company/OSBC/mda/fy2024/): filed 2025-03-06; accession 0001558370-25-002383 (https://www.sec.gov/Archives/edgar/data/357173/000155837025002383/tmb-20241231x10k.htm)
- [FY 2023 MD&A](/company/OSBC/mda/fy2023/): filed 2024-03-07; accession 0001558370-24-002688 (https://www.sec.gov/Archives/edgar/data/357173/000155837024002688/tmb-20231231x10k.htm)
- [FY 2022 MD&A](/company/OSBC/mda/fy2022/): filed 2023-03-09; accession 0001558370-23-003286 (https://www.sec.gov/Archives/edgar/data/357173/000155837023003286/tmb-20221231x10k.htm)
- [FY 2021 MD&A](/company/OSBC/mda/fy2021/): filed 2022-03-10; accession 0001558370-22-003314 (https://www.sec.gov/Archives/edgar/data/357173/000155837022003314/tmb-20211231x10k.htm)

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