Old Second Bancorp, Inc. is a bank holding company that operates Old Second National Bank, a full-service community bank serving small to mid-sized businesses, professionals, and individual consumers primarily throughout the Chicago metropolitan area and surrounding Illinois counties. The Bank generates revenue primarily from net interest income—the spread between interest earned on its diverse loan portfolio (including commercial, real estate, residential, and consumer loans) and interest paid on deposits—and noninterest income from wealth management services, mortgage servicing and origination, card-related fees, deposit service charges, and bank-owned life insurance benefits. Old Second operates multiple banking centers and offers comprehensive financial services including deposit products, lending, residential mortgage operations, trust and wealth management, and electronic banking services.