Old Second Bancorp Inc (OSBC) — Working Capital to Net Assets Ratio
Old Second Bancorp Inc (OSBC) has a Working Capital to Net Assets ratio of -19.6% as of March 2026. Working capital of $-175.03 Million (current assets of $48.10 Million minus current liabilities of $223.13 Million) is measured against net assets of $893.30 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See operational self-sufficiency of Old Second Bancorp Inc to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Old Second Bancorp Inc Working Capital to Net Assets (1993–2025)
This chart shows how Old Second Bancorp Inc's Working Capital to Net Assets ratio has evolved across 33 annual periods from 1993 to 2025. As of March 2026, the ratio stands at -19.6%, reflecting working capital of $-175.03 Million against net assets of $893.30 Million USD. For the complete balance sheet picture, see OSBC total asset value.
Annual Working Capital to Net Assets for Old Second Bancorp Inc (1993–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Old Second Bancorp Inc from 1993 to 2025, covering 33 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check OSBC asset resilience ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -198.7% | $-1.78 Billion | $896.77 Million | $196.38 Million | $1.98 Billion | ▲ +259.6 pp |
| 2024 | -458.2% | $-3.07 Billion | $671.03 Million | $1.75 Billion | $4.83 Billion | ▲ +115.9 pp |
| 2023 | -574.1% | $-3.31 Billion | $577.28 Million | $1.69 Billion | $5.00 Billion | ▲ +142.4 pp |
| 2022 | -716.4% | $-3.30 Billion | $461.14 Million | $1.93 Billion | $5.23 Billion | ▼ -759.1 pp |
| 2021 | 42.6% | $2.58 Billion | $6.06 Billion | $2.60 Billion | $19.07 Million | ▲ +10.6 pp |
| 2020 | 32.0% | $944.29 Million | $2.95 Billion | $967.68 Million | $23.39 Million | ▲ +596.7 pp |
| 2019 | -564.6% | $-1.57 Billion | $277.86 Million | $655.03 Million | $2.22 Billion | ▲ +150.2 pp |
| 2018 | -714.8% | $-1.64 Billion | $229.08 Million | $675.29 Million | $2.31 Billion | ▼ -14.9 pp |
| 2017 | -699.9% | $-1.40 Billion | $200.35 Million | $665.60 Million | $2.07 Billion | ▲ +58.0 pp |
| 2016 | -757.9% | $-1.33 Billion | $175.21 Million | $634.62 Million | $1.96 Billion | ▲ +83.4 pp |
| 2015 | -841.2% | $-1.31 Billion | $155.93 Million | $496.40 Million | $1.81 Billion | ▼ -160.7 pp |
| 2014 | -680.6% | $-1.32 Billion | $194.16 Million | $429.68 Million | $1.75 Billion | ▲ +192.8 pp |
| 2013 | -873.3% | $-1.29 Billion | $147.69 Million | $419.85 Million | $1.71 Billion | ▲ +679.6 pp |
| 2012 | -1553.0% | $-1.13 Billion | $72.55 Million | $708.39 Million | $1.84 Billion | ▲ +316.1 pp |
| 2011 | -1869.1% | $-1.38 Billion | $74.00 Million | $358.51 Million | $1.74 Billion | ▲ +263.3 pp |
| 2010 | -2132.4% | $-1.79 Billion | $83.96 Million | $145.78 Million | $1.94 Billion | ▼ -1054.1 pp |
| 2009 | -1078.3% | $-2.13 Billion | $197.21 Million | $184.97 Million | $2.31 Billion | ▲ +261.1 pp |
| 2008 | -1339.4% | $-2.59 Billion | $193.10 Million | $111.82 Million | $2.70 Billion | ▲ +221.4 pp |
| 2007 | -1560.8% | $-2.34 Billion | $149.89 Million | $93.20 Million | $2.43 Billion | ▼ -213.3 pp |
| 2006 | -1347.5% | $-2.14 Billion | $158.56 Million | $116.03 Million | $2.25 Billion | ▲ +21.6 pp |
| 2005 | -1369.0% | $-2.08 Billion | $152.26 Million | $99.41 Million | $2.18 Billion | ▲ +4.3 pp |
| 2004 | -1373.3% | $-1.85 Billion | $134.99 Million | $80.50 Million | $1.93 Billion | ▲ +8.1 pp |
| 2003 | -1381.4% | $-1.62 Billion | $116.99 Million | $74.92 Million | $1.69 Billion | ▼ -323.5 pp |
| 2002 | -1057.9% | $-1.41 Billion | $133.08 Million | $67.15 Million | $1.48 Billion | ▼ -159.9 pp |
| 2001 | -898.0% | $-1.12 Billion | $124.95 Million | $52.94 Million | $1.18 Billion | ▼ -37.7 pp |
| 2000 | -860.4% | $-971.91 Million | $112.96 Million | $48.30 Million | $1.02 Billion | ▼ -83.0 pp |
| 1999 | -777.4% | $-806.67 Million | $103.76 Million | $69.28 Million | $875.95 Million | ▼ -20.6 pp |
| 1998 | -756.8% | $-771.20 Million | $101.90 Million | $92.20 Million | $863.40 Million | ▲ +38.9 pp |
| 1997 | -795.8% | $-732.90 Million | $92.10 Million | $87.00 Million | $819.90 Million | ▲ +15.3 pp |
| 1996 | -811.1% | $-660.20 Million | $81.40 Million | $78.70 Million | $738.90 Million | ▼ -24.2 pp |
| 1995 | -786.9% | $-593.30 Million | $75.40 Million | $85.20 Million | $678.50 Million | ▲ +122.4 pp |
| 1994 | -909.3% | $-529.20 Million | $58.20 Million | $75.60 Million | $604.80 Million | ▼ -62.9 pp |
| 1993 | -846.4% | $-494.30 Million | $58.40 Million | $64.10 Million | $558.40 Million | — |