Old Second Bancorp (OSBC) 10-Q8 Nov 222022 Q3 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
Document and Entity Information - shares	Sep. 30, 2022	Nov. 04, 2022
Document and Entity Information
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Sep. 30, 2022
Entity File Number	000-10537
Entity Registrant Name	OLD SECOND BANCORP INC
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	36-3143493
Entity Address, Address Line One	37 South River Street
Entity Address, City or Town	Aurora
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60507
City Area Code	630
Local Phone Number	892-0202
Title of 12(b) Security	Common Stock
Trading Symbol	OSBC
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		44,573,958
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000357173
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 64,903	$ 38,565
Interest earning deposits with financial institutions	51,251	713,542
Cash and cash equivalents	116,154	752,107
Securities available-for-sale, at fair value	1,609,759	1,693,632
Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock	19,413	13,257
Loans held-for-sale	1,297	4,737
Loans	3,869,334	3,420,804
Less: allowance for credit losses on loans	48,847	44,281
Net loans	3,820,487	3,376,523
Premises and equipment, net	77,301	88,005
Other real estate owned	1,561	2,356
Mortgage servicing rights, at fair value	11,461	7,097
Goodwill	86,478	86,332
Core deposit intangible	14,323	16,304
Bank-owned life insurance ("BOLI")	105,642	105,300
Deferred tax assets, net	49,620	6,100
Other assets	54,209	60,439
Total assets	5,967,705	6,212,189
Deposits:
Noninterest bearing demand	2,098,144	2,093,494
Interest bearing:
Savings, NOW, and money market	2,726,596	2,868,928
Time	456,619	503,810
Total deposits	5,281,359	5,466,232
Securities sold under repurchase agreements	35,497	50,337
Other short-term borrowings	25,000
Junior subordinated debentures	25,773	25,773
Subordinated debentures	59,275	59,212
Senior notes	44,559	44,480
Notes payable and other borrowings	10,000	19,074
Other liabilities	52,528	45,054
Total liabilities	5,533,991	5,710,162
Stockholders' Equity
Common stock	44,705	44,705
Additional paid-in capital	201,700	202,443
Retained earnings	289,126	252,011
Accumulated other comprehensive (loss) income	(98,389)	8,768
Treasury stock	(3,428)	(5,900)
Total stockholders' equity	433,714	502,027
Total liabilities and stockholders' equity	$ 5,967,705	$ 6,212,189

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2022	Dec. 31, 2021
Consolidated Balance Sheets
Common stock, Par value (in dollars per share)	$ 1	$ 1
Common Stock, Shares authorized	60,000,000	60,000,000
Common stock, Shares issued	44,705,150	44,705,150
Common stock, Shares outstanding	44,572,544	44,461,045
Treasury stock, Shares	132,606	244,105

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Consolidated Statements of Income - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest and dividend income
Loans, including fees	$ 46,614	$ 21,315	$ 121,209	$ 64,337
Loans held-for-sale	22	39	111	132
Securities:
Taxable	9,116	1,854	21,071	5,301
Tax exempt	1,332	1,266	3,946	3,832
Dividends from FHLBC and FRBC stock	261	114	677	342
Interest bearing deposits with financial institutions	663	203	1,714	432
Total interest and dividend income	58,008	24,791	148,728	74,376
Interest expense
Savings, NOW, and money market deposits	380	209	1,124	667
Time deposits	335	330	877	1,239
Securities sold under repurchase agreements	10	15	30	67
Other short-term borrowings	44		44
Junior subordinated debentures	285	286	849	850
Subordinated debentures	546	547	1,639	1,064
Senior notes	728	673	1,791	2,019
Notes payable and other borrowings	111	113	309	355
Total interest expense	2,439	2,173	6,663	6,261
Net interest and dividend income	55,569	22,618	142,065	68,115
Provision for (release of) credit losses	4,500	(1,500)	5,050	(8,000)
Net interest and dividend income after provision for (release of) credit losses	51,069	24,118	137,015	76,115
Noninterest income
Mortgage servicing rights mark to market gain (loss)	548	(282)	3,608	(202)
Net gain on sales of mortgage loans	449	2,186	1,682	7,802
Securities (losses) gains, net	(1)	244	(34)	246
Change in cash surrender value of BOLI	146	406	342	1,163
Card related income	2,653	1,624	8,194	4,737
Other income	2,165	610	3,949	1,637
Total noninterest income	11,496	9,340	34,170	28,559
Noninterest expense
Salaries and employee benefits	21,011	12,964	62,310	39,366
Occupancy, furniture and equipment	4,119	2,418	10,864	7,188
Computer and data processing	2,543	1,477	12,817	4,079
FDIC insurance	659	211	1,771	604
General bank insurance	257	301	923	854
Amortization of core deposit intangible	657	113	1,981	348
Advertising expense	83	107	459	262
Card related expense	1,453	662	3,044	1,881
Legal fees	212	455	648	645
Consulting & management fees	607	248	1,746	914
Other real estate expense, net	22	25	97	138
Other expense	4,365	3,148	14,829	8,989
Total noninterest expense	35,988	22,129	111,489	65,268
Income before income taxes	26,577	11,329	59,696	39,406
Provision for income taxes	7,054	2,917	15,906	10,295
Net income	$ 19,523	$ 8,412	$ 43,790	$ 29,111
Basic earnings per share	$ 0.43	$ 0.30	$ 0.98	$ 1.01
Diluted earnings per share	0.43	0.29	0.97	0.99
Dividends declared per share	$ 0.05	$ 0.05	$ 0.15	$ 0.11
Trust Income
Noninterest income
Service charges on deposits	$ 2,280	$ 2,372	$ 7,484	$ 6,912
Deposit Account
Noninterest income
Service charges on deposits	2,661	1,368	7,063	3,784
Secondary mortgage fees
Noninterest income
Service charges on deposits	81	240	270	834
Bank Servicing
Noninterest income
Service charges on deposits	$ 514	$ 572	$ 1,612	$ 1,646

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Consolidated Statements of Comprehensive (Loss) Income
Net Income	$ 19,523	$ 8,412	$ 43,790	$ 29,111
Unrealized holding losses on available-for-sale securities arising during the period	(41,163)	(3,007)	(146,477)	(4,483)
Related tax benefit	11,526	841	41,014	1,277
Holding losses, after tax, on available-for-sale securities	(29,637)	(2,166)	(105,463)	(3,206)
Less: Reclassification adjustment for the net (losses) gains realized during the period
Net realized (losses) gains	(1)	244	(34)	246
Related tax benefit (expense)	1	(69)	10	(70)
Net realized gains (losses) after tax		175	(24)	176
Other comprehensive loss on available-for-sale securities	(29,637)	(2,341)	(105,439)	(3,382)
Changes in fair value of derivatives used for cash flow hedges	(4,868)	218	(2,381)	1,207
Related tax benefit (expense)	1,360	(62)	663	(338)
Other comprehensive (loss) income on cash flow hedges	(3,508)	156	(1,718)	869
Total other comprehensive loss	(33,145)	(2,185)	(107,157)	(2,513)
Total comprehensive (loss) income	$ (13,622)	$ 6,227	$ (63,367)	$ 26,598

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities
Net income	$ 19,523	$ 8,412	$ 43,790	$ 29,111
Adjustments to reconcile net income to net cash provided by operating activities:
Net premium / discount amortization on securities			4,259	1,736
Securities losses (gains), net	1	(244)	34	(246)
Provision for (release of) credit losses	4,500	(1,500)	5,050	(8,000)
Originations of loans held-for-sale			(65,103)	(191,679)
Proceeds from sales of loans held-for-sale			69,263	207,339
Net gains on sales of mortgage loans	(449)	(2,186)	(1,682)	(7,802)
Mortgage servicing rights mark to market (gain) loss	(548)	282	(3,608)	202
Net accretion of discount on loans and unfunded commitments			(5,473)	(618)
Net change in cash surrender value of BOLI	(146)	(406)	(342)	(1,163)
Net gains on sale of other real estate owned	(33)	(5)	(163)	(40)
Provision for other real estate owned valuation losses		(2)	104	65
Depreciation of fixed assets and amortization of leasehold improvements			3,079	2,286
Net gains on disposal and transfer of fixed assets			(1,872)
Amortization of core deposit intangibles	657	113	1,981	348
Change in current income taxes receivable			7,279	329
Deferred tax (benefit) expense			(1,854)	1,796
Change in accrued interest receivable and other assets			1,036	2,973
Accretion of purchase accounting adjustment on time deposits			(1,207)
Change in accrued interest payable and other liabilities			3,314	13,016
Stock based compensation			2,176	1,113
Net cash provided by operating activities			60,061	50,766
Cash flows from investing activities
Proceeds from maturities and calls, including pay down of securities available-for-sale			231,483	91,931
Proceeds from sales of securities available-for-sale		26,873	3,303	35,075
Purchases of securities available-for-sale			(301,649)	(352,236)
Proceeds from sales of FHLBC/FRBC stock			2,561
Purchases of FHLBC/FRBC stock			(8,717)
Net change in loans			(443,628)	168,551
Proceeds from sales of other real estate owned, net of participations and improvements			941	607
Proceeds from disposition of premises and equipment			12,167
Net purchases of premises and equipment			(2,670)	(929)
Cash paid for acquisition, net of cash and cash equivalents acquired			(146)
Net cash used in investing activities			(506,355)	(57,001)
Cash flows from financing activities
Net change in deposits			(183,666)	177,256
Net change in securities sold under repurchase agreements			(14,840)	(24,018)
Net change in other short-term borrowings			25,000
Issuance of subordinated debentures, net of issuance costs				59,148
Repayment of term note			(3,000)	(3,000)
Net change in notes payable and other borrowings, excluding term note			(6,056)	(235)
Dividends paid on common stock			(6,650)	(3,177)
Purchase of treasury stock			(447)	(10,389)
Net cash (used in) provided by financing activities			(189,659)	195,585
Net change in cash and cash equivalents			(635,953)	189,350
Cash and cash equivalents at beginning of period			752,107	329,903
Cash and cash equivalents at end of period	$ 116,154	$ 519,253	$ 116,154	$ 519,253

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock	Total
Balance at Dec. 31, 2020	$ 34,957	$ 122,212	$ 236,579	$ 14,762	$ (101,423)	$ 307,087
Increase (Decrease) in Stockholders' Equity
Net Income			29,111			29,111
Other comprehensive loss, net of tax				(2,513)		(2,513)
Dividends declared and paid			(3,177)			(3,177)
Vesting of restricted stock		(2,251)			2,251
Stock based compensation		1,113				1,113
Purchase of treasury stock from taxes withheld on stock awards					(577)	(577)
Purchase of treasury stock from stock repurchase program					(9,812)	(9,812)
Balance at Sep. 30, 2021	34,957	121,074	262,513	12,249	(109,561)	321,232
Balance at Jun. 30, 2021	34,957	120,572	255,536	14,434	(109,561)	315,938
Increase (Decrease) in Stockholders' Equity
Net Income			8,412			8,412
Other comprehensive loss, net of tax				(2,185)		(2,185)
Dividends declared and paid			(1,435)			(1,435)
Stock based compensation		502				502
Balance at Sep. 30, 2021	34,957	121,074	262,513	12,249	(109,561)	321,232
Balance at Dec. 31, 2021	44,705	202,443	252,011	8,768	(5,900)	502,027
Increase (Decrease) in Stockholders' Equity
Net Income			43,790			43,790
Other comprehensive loss, net of tax				(107,157)		(107,157)
Dividends declared and paid			(6,675)			(6,675)
Vesting of restricted stock		(2,919)			2,919
Stock based compensation		2,176				2,176
Purchase of treasury stock from taxes withheld on stock awards					(447)	(447)
Balance at Sep. 30, 2022	44,705	201,700	289,126	(98,389)	(3,428)	433,714
Balance at Jun. 30, 2022	44,705	201,282	271,831	(65,244)	(3,670)	448,904
Increase (Decrease) in Stockholders' Equity
Net Income			19,523			19,523
Other comprehensive loss, net of tax				(33,145)		(33,145)
Dividends declared and paid			(2,228)			(2,228)
Vesting of restricted stock		(304)			304
Stock based compensation		722				722
Purchase of treasury stock from taxes withheld on stock awards					(62)	(62)
Balance at Sep. 30, 2022	$ 44,705	$ 201,700	$ 289,126	$ (98,389)	$ (3,428)	$ 433,714

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	$ 448,904	$ 315,938	$ 502,027	$ 307,087
Other comprehensive (loss) income, net of tax	(33,145)	(2,185)	(107,157)	(2,513)
Balance	$ 433,714	$ 321,232	$ 433,714	$ 321,232
Dividend declared and paid (per share)	$ 0.05	$ 0.05	$ 0.15	$ 0.11
Accumulated Other Comprehensive Income (Loss)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	$ (65,244)	$ 14,434	$ 8,768	$ 14,762
Other comprehensive (loss) income, net of tax	(33,145)	(2,185)	(107,157)	(2,513)
Balance	(98,389)	12,249	(98,389)	12,249
Accumulated Unrealized Gain (Loss) on Securities Available-for-Sale
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	(64,663)	16,372	11,139	17,413
Other comprehensive (loss) income, net of tax	(29,637)	(2,341)	(105,439)	(3,382)
Balance	(94,300)	14,031	(94,300)	14,031
Accumulated Unrealized Gain (Loss) on Derivative Instruments
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Balance	(581)	(1,938)	(2,371)	(2,651)
Other comprehensive (loss) income, net of tax	(3,508)	156	(1,718)	869
Balance	$ (4,089)	$ (1,782)	$ (4,089)	$ (1,782)

Basis of Presentation and Chang

Basis of Presentation and Changes in Significant Accounting Policies	9 Months Ended
	Sep. 30, 2022
Basis of Presentation and Changes in Significant Accounting Policies
Basis of Presentation and Changes in Significant Accounting Policies	Note 1 – Basis of Presentation and Changes in Significant Accounting Policies The accounting policies followed in the preparation of the interim consolidated financial statements are consistent with those used in the preparation of the annual financial information. The interim consolidated financial statements reflect all normal and recurring adjustments that are necessary, in the opinion of management, for a fair statement of results for the interim period presented. Results for the period ended September 30, 2022, are not necessarily indicative of the results that may be expected for the year ending December 31, 2022. These interim consolidated financial statements are unaudited and should be read in conjunction with the audited financial statements and notes included in Old Second Bancorp, Inc.’s (the “Company”) annual report on Form 10-K for the year ended December 31, 2021. Unless otherwise indicated, dollar amounts in the tables contained in the notes to the consolidated financial statements are in thousands. Certain items in prior periods have been reclassified to conform to the current presentation. The Company’s consolidated financial statements are prepared in accordance with United States generally accepted accounting principles (“GAAP”) and follow general practices within the banking industry. Application of these principles requires management to make estimates, assumptions, and judgments that affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates, assumptions, and judgments are based on information available as of the date of the consolidated financial statements. Future changes in information may affect these estimates, assumptions, and judgments, which, in turn, may affect amounts reported in the consolidated financial statements. See “Management’s Discussion and Analysis of Financial Condition and Results of Operations—Critical Accounting Estimates” Note 1 – Summary of Significant Accounting Policies, Financial Instruments – Measurement of Credit Losses on Financial Instruments (Topic 326) Recent Accounting Pronouncements The following is a summary of recent accounting pronouncements that have impacted or could potentially affect the Company : ASU 2018-16, ASU 2020-04 and ASU 2021-01 Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting. Reference Rate Reform The Company formed a LIBOR transition team in 2019, and has developed a project plan to assess the use of alternative indexes and to seek to ensure all financial instruments that reference LIBOR are identified, quantified, and researched for the LIBOR fallback language available or needed. The Company has completed the ISDA protocol adherence for LIBOR fallback language for all commercial swaps, has met with its commercial loan clients to also guide their swap fallback language adherence, and worked to revise all credit documents being issued by Old Second National Bank (the “Bank”) for new loans to ensure appropriate fallback language is included. We have discontinued the use of LIBOR as a reference rate for all consumer loans issued after July 31, 2021, and all commercial loans issued after December 31, 2021, with certain exceptions for those loans that were in the process of funding at the end of 2021. The Company’s systems have been updated to handle multiple SOFR-based indexes and we continue to meet regularly to plan for the transition of existing LIBOR exposures prior to the final LIBOR cessation date of June 30, 2023. ASU 2022-01 Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method The Company is currently reviewing ASU 2022-01 for the impact to derivative measurement and disclosures, and will assess any revisions needed for reporting purposes in the next quarter. We anticipate adopting ASU 2022-01 no later than January 1, 2023. We do not expect a material impact upon adoption. ASU 2022-02 Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures The Company is currently reviewing ASU 2022-02 for the impact to TDR recognition, measurement and disclosures, and will assess any revisions needed for reporting purposes in the next quarter. We anticipate adopting ASU 2022-02 as of January 1, 2023. Change in Significant Accounting Policies Significant accounting policies are presented in Note 1 to the consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. These policies, along with the disclosures presented in the other financial statement notes and in this discussion, provide information on how significant assets and liabilities are valued in the consolidated financial statements and how those values are determined. During the third quarter of 2022, the Company had no changes to significant accounting policies or estimates. Subsequent Events On October 18, 2022, our Board of Directors declared a cash dividend of $0.05 per share payable on November 7, 2022, to stockholders of record as of October 28, 2022; dividends of $2.2 million are scheduled to be paid to stockholders on November 7, 2022.

Acquisition

Acquisition	9 Months Ended
Acquisition	Sep. 30, 2022
Acquisition
Acquisition	Note 2 – Acquisition On December 1, 2021, the Company completed its acquisition of West Suburban Bancorp, Inc. (“West Suburban”), a bank holding company, and its wholly owned subsidiary, West Suburban Bank, based in Lombard, Illinois, with operations throughout our existing market footprint. This acquisition brought increased scale and new markets to the Company, and provided new product offerings and line of business opportunities. At closing, the Company acquired $2.94 billion of assets, $1.50 billion of loans, $1.07 billion of securities, and $2.69 billion of deposits, net of fair value adjustments. Under the terms of the merger agreement, each outstanding share of West Suburban common stock was exchanged for 42.413 shares of Company common stock, plus $271.15 of cash. This resulted in merger consideration of $295.2 million, based on the closing price of the Company’s common stock on the date of acquisition, which consisted of 15.7 million shares of the Company’s common stock and $100.7 million of cash. Goodwill of $67.9 million associated with the acquisition was recorded by the Company, which was the result of expected synergies, operational efficiencies and other factors. The acquisition of West Suburban was accounted for as a business combination. We recorded the estimate of fair value based on initial valuations available at December 1, 2021. The determination of estimated fair value required management to make assumptions related to discount rates, expected future cash flows, market conditions and other future events that are often subjective in nature and may require adjustments. Estimated fair values which are subject to adjustment for up to one year after December 1, 2021 are considered final as of September 30, 2022. Adjustments and reclasses between deferred tax assets and current taxes receivable, which is reported within other assets, were identified during the quarter ended September 30, 2022 based on further analysis after West Suburban Bank tax filings were made. Deferred tax assets increased $3.7 million, which was offset by a decrease in current taxes receivable of $3.9 million, which resulted in an increase to goodwill of $146,000. None of the $67.9 million of goodwill recorded is expected to be deductible for income tax purposes. The following table provides the preliminary purchase price allocation as of the December 1, 2021 closing date of the merger for the estimated fair value of the assets acquired and liabilities assumed, as recorded by the Company. West Suburban Acquisition Summary As of Date of Acquisition December 1, 2021 Assets Cash and due from banks $ 16,794 Interest bearing deposits with financial institutions 232,880 Securities available-for-sale and held-to maturity, at fair value 1,067,517 FHLBC stock 3,340 Loans, net of allowance for credit losses Day One PCD loan adjustment 1,500,974 Premises and equipment 47,456 Other real estate owned 5,552 Core deposit intangible 14,772 Deferred tax assets 5,819 Other assets 48,838 Total assets $ 2,943,942 Liabilities Noninterest bearing demand $ 1,070,980 Savings, NOW and money market 1,408,051 Time 215,205 Total deposits 2,694,236 Reserve for unfunded commitments 1,787 Other liabilities 20,629 Total liabilities 2,716,652 Cash consideration paid 100,679 Stock issued for acquisition 194,484 Total Liabilities Assumed and Cash and Stock Consideration Paid for Acquisition $ 3,011,815 Goodwill $ 67,873 Expenses related to the West Suburban acquisition totaled $650,000 and $9.5 million for the three month and nine month periods ended September 30, 2022 respectively, and $13.2 million during the year ended December 31, 2021, and are reported within noninterest expense based on the line items impacted, which are primarily salaries and employee benefits, occupancy, furniture and equipment, computer and data processing, legal fees, and other expense in the Consolidated Statements of Income. Purchased loans and leases that reflect a more-than-insignificant deterioration of credit from origination are considered purchased credit deteriorated (“PCD”) loans. For PCD loans, the initial estimate of expected credit losses was recognized in the allowance for credit losses (“ACL”) on the date of acquisition using the same methodology as other loans and leases held-for-investment. The following table provides a summary of loans purchased as part of the West Suburban acquisition which were individually evaluated and determined to be PCD loans at acquisition. As of West Suburban Acquired PCD Loans December 1, 2021 Par value of acquired loans $ 108,241 Allowance for credit losses (12,075) Non-credit discount (1,723) Purchase price of PCD loans at acquisition $ 94,443 The following table presents the carrying amount of all acquired loans as of September 30, 2022 and December 31, 2021, including loans that, as of the acquisition date, had not experienced a more-than-insignificant deterioration in credit quality since origination (“non-PCD loans”): Acquired Loan Detail As of September 30, 2022 As of December 31, 2021 PCD Non-PCD Total PCD Non-PCD Total West Suburban acquired loans $ 77,548 $ 1,171,877 $ 1,249,425 $ 102,409 $ 1,418,752 $ 1,521,161 ABC Bank acquired loans 2,114 44,082 46,196 4,547 64,236 68,783 Talmer Bank acquired loans - 16,048 16,048 - 45,858 45,858 Total acquired loans net book value $ 79,662 $ 1,232,007 $ 1,311,669 $ 106,956 $ 1,528,846 $ 1,635,802 Accretion recorded on acquired loans year to date $ 782 $ 4,121 $ 4,903 $ 401 $ 565 $ 966 Accretion recorded on acquired unfunded commitments year to date $ 670 $ 74

Securities

Securities	9 Months Ended
Securities	Sep. 30, 2022
Securities
Securities	Note 3 – Securities Investment Portfolio Management Our investment portfolio serves the liquidity needs and income objectives of the Company. While the portfolio serves as an important component of the overall liquidity management at the Bank, portions of the portfolio also serve as income producing assets. The size and composition of the portfolio reflects liquidity needs, loan demand and interest income objectives. Portfolio size and composition will be adjusted from time to time. While a significant portion of the portfolio consists of readily marketable securities to address liquidity, other parts of the portfolio may reflect funds invested pending future loan demand or to maximize interest income without undue interest rate risk. Investments are comprised of debt securities and non-marketable equity investments. Securities available-for-sale are carried at fair value. Unrealized gains and losses, net of tax, on securities available-for-sale are reported as a separate component of equity. This balance sheet component changes as interest rates and market conditions change. Unrealized gains and losses are not included in the calculation of regulatory capital. Federal Home Loan Bank of Chicago (“FHLBC”) and Federal Reserve Bank of Chicago (“FRBC”) stock are considered nonmarketable equity investments. FHLBC stock was recorded at $4.5 million at September 30, 2022, and $7.1 million at December 31, 2021. FRBC stock was recorded at $14.9 million at September 30, 2022, and $6.2 million at December 31, 2021. The following tables summarize the amortized cost and fair value of the securities portfolio at September 30, 2022, and December 31, 2021, and the corresponding amounts of gross unrealized gains and losses: Gross Gross Amortized Unrealized Unrealized Fair September 30, 2022 Cost 1 Gains Losses Value Securities available-for-sale U.S. Treasury $ 223,910 $ - $ (12,813) $ 211,097 U.S. government agencies 61,364 - (5,401) 55,963 U.S. government agencies mortgage-backed 145,857 - (18,231) 127,626 States and political subdivisions 243,515 1 (19,257) 224,259 Corporate bonds 10,000 - (456) 9,544 Collateralized mortgage obligations 648,044 5 (60,203) 587,846 Asset-backed securities 227,130 23 (7,566) 219,587 Collateralized loan obligations 180,910 - (7,073) 173,837 Total securities available-for-sale $ 1,740,730 $ 29 $ (131,000) $ 1,609,759 Gross Gross Amortized Unrealized Unrealized Fair December 31, 2021 Cost 1 Gains Losses Value Securities available-for-sale U.S. Treasury $ 202,251 $ 125 $ (37) $ 202,339 U.S. government agencies 62,587 - (699) 61,888 U.S. government agencies mortgage-backed 172,016 856 (570) 172,302 States and political subdivisions 241,937 16,344 (672) 257,609 Corporate bonds 10,000 - (113) 9,887 Collateralized mortgage obligations 673,238 2,014 (2,285) 672,967 Asset-backed securities 236,293 1,245 (661) 236,877 Collateralized loan obligations 79,838 3 (78) 79,763 Total securities available-for-sale $ 1,678,160 $ 20,587 $ (5,115) $ 1,693,632 1 Excludes accrued interest receivable of $6.3 million and $4.3 million at September 30, 2022 and December 31, 2021, respectively, that is recorded in other assets on the consolidated balance sheet. The fair value, amortized cost and weighted average yield of debt securities at September 30, 2022, by contractual maturity, are listed in the table below. Securities not due at a single maturity date are shown separately. Weighted Amortized Average Fair Securities available-for-sale Cost Yield Value Due in one year or less $ 8,816 1.10 % $ 8,617 Due after one year through five years 303,411 1.05 284,480 Due after five years through ten years 44,313 2.63 39,593 Due after ten years 182,249 3.02 168,173 538,789 1.85 500,863 Mortgage-backed and collateralized mortgage obligations 793,901 2.22 715,472 Asset-backed securities 227,130 3.39 219,587 Collateralized loan obligations 180,910 4.64 173,837 Total securities available-for-sale $ 1,740,730 2.51 % $ 1,609,759 At September 30, 2022, the Company’s investments included $167.0 million of asset-backed securities that are backed by student loans originated under the Federal Family Education Loan program (“FFEL”). Under the FFEL, private lenders made federally guaranteed student loans to parents and students. While the program was modified several times before elimination in 2010, FFEL securities are generally guaranteed by the U.S Department of Education (“DOE”) at not less than 97% of the outstanding principal amount of the loans. The guarantee will reduce to 85% if the DOE receives reimbursement requests in excess of 5% of insured loans; reimbursement will drop to 75% if reimbursement requests exceed 9% of insured loans. In addition to the DOE guarantee, total added credit enhancement in the form of overcollateralization and/or subordination amounted to $20.3 million, or 9.29%, of outstanding principal. At September 30, 2022, the Company had no securities issued from any one originator, other than the U.S. Government and its agencies, which individually amounted to over 10% of the Company’s stockholders’ equity. Securities with unrealized losses with no corresponding allowance for credit losses at September 30, 2022 and December 31, 2021, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows (in thousands except for number of securities): Less than 12 months 12 months or more September 30, 2022 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries 5 $ 12,813 $ 211,097 - $ - $ - 5 $ 12,813 $ 211,097 U.S. government agencies 2 1,987 27,188 7 3,414 28,775 9 5,401 55,963 U.S. government agencies mortgage-backed 126 16,766 122,905 6 1,465 4,721 132 18,231 127,626 States and political subdivisions 79 18,155 219,497 3 1,102 4,510 82 19,257 224,007 Corporate bonds 1 286 4,715 1 170 4,829 2 456 9,544 Collateralized mortgage obligations 205 48,552 505,601 15 11,651 77,102 220 60,203 582,703 Asset-backed securities 44 6,553 196,221 6 1,013 11,524 50 7,566 207,745 Collateralized loan obligations 26 5,735 134,712 8 1,338 39,125 34 7,073 173,837 Total securities available-for-sale 488 $ 110,847 $ 1,421,936 46 $ 20,153 $ 170,586 534 $ 131,000 $ 1,592,522 Less than 12 months 12 months or more December 31, 2021 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries 1 $ 37 $ 49,719 - $ - $ - 1 $ 37 $ 49,719 U.S. government agencies 5 592 56,879 4 107 5,008 9 699 61,887 U.S. government agencies mortgage-backed 63 505 78,711 1 65 1,663 64 570 80,374 States and political subdivisions 7 55 8,430 1 617 4,051 8 672 12,481 Corporate bonds 2 113 9,887 - - - 2 113 9,887 Collateralized mortgage obligations 133 2,285 381,658 - - - 133 2,285 381,658 Asset-backed securities 20 608 103,819 3 53 3,276 23 661 107,095 Collateralized loan obligations 10 35 45,132 2 43 10,628 12 78 55,760 Total securities available-for-sale 241 $ 4,230 $ 734,235 11 $ 885 $ 24,626 252 $ 5,115 $ 758,861 Each quarter we perform an analysis to determine if any of the unrealized losses on securities available-for-sale are comprised of credit losses as compared to unrealized losses due to market interest rate adjustments. Our assessment includes a review of the unrealized loss for each security issuance held; the financial condition and near-term prospects of the issuer, including external credit ratings and recent downgrades; and our ability and intent to hold the security for a period of time sufficient for a recovery in value. We also consider the extent to which the securities are issued by the federal government or its agencies, and any guarantee of issued amounts by those agencies. No credit losses were determined to be present as of September 30, 2022, as there was no credit quality deterioration noted. Therefore, no provision for credit losses on securities was recognized for the third quarter of 2022. Three Months Ended Nine Months Ended September 30, September 30, Securities available-for-sale 2022 2021 2022 2021 Proceeds from sales of securities $ - $ 26,873 $ 3,303 $ 35,075 Gross realized gains on securities $ - $ 262 $ - $ 267 Gross realized losses on securities 1 (1) (18) (34) (21) Net realized (losses) gains $ (1) $ 244 $ (34) $ 246 Income tax benefit (expense) on net realized (losses) gains $ 1 $ (69) $ 10 $ (70) Effective tax rate applied N/M 28.3 % 29.4 % 28.5 % 1 The Company received proceeds of $7.5 million from the call of available for sale investment securities for the nine months ended September 30, 2022. A loss of $1,000 was recorded on the call of securities during the third quarter of 2022. N/M - Not meaningful As of September 30, 2022, securities valued at $578.5 million were pledged to secure deposits and borrowings, and for other purposes, an increase from $501.3 million of securities pledged at year-end 2021.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses on Loans	9 Months Ended
Loans and Allowance for Credit Losses on Loans	Sep. 30, 2022
Loans and Allowance for Credit Losses on Loans
Loans and Allowance for Credit Losses on Loans	Note 4 – Loans and Allowance for Credit Losses on Loans Major segments of loans were as follows: September 30, 2022 December 31, 2021 Commercial 1 $ 888,081 $ 771,474 Leases 251,603 176,031 Commercial real estate – investor 941,910 799,928 Commercial real estate – owner occupied 876,951 731,845 Construction 176,700 206,132 Residential real estate – investor 59,580 63,399 Residential real estate – owner occupied 220,969 213,248 Multifamily 322,856 309,164 HELOC 116,108 126,290 Other 2 14,576 23,293 Total loans 3,869,334 3,420,804 Allowance for credit losses on loans (48,847) (44,281) Net loans 3 $ 3,820,487 $ 3,376,523 1 Includes $2.4 million and $38.4 million of Paycheck Protection Program (“PPP”) loans at September 30, 2022 and December 31, 2021, respectively. 2 The “Other” segment includes consumer and overdrafts in this table and in subsequent tables within Note 4 - Loans and Allowance for Credit Losses on Loans. 3 Excludes accrued interest receivable of $13.7 million and $9.2 million at September 30, 2022 and December 31, 2021, respectively, that is recorded in other assets on the consolidated balance sheet. It is the policy of the Company to review each prospective credit prior to making a loan in order to determine if an adequate level of security or collateral has been obtained. The type of collateral, when required, will vary from liquid assets to real estate. The Company seeks to assure access to collateral, in the event of borrower default, through adherence to lending laws, the Company’s lending standards and credit monitoring procedures. Although the Bank makes loans primarily within its market area, there are no significant concentrations of loans where the customers’ ability to honor loan terms is dependent upon a single economic sector. The real estate related categories listed above represent 70.2% and 71.6% of the portfolio at September 30, 2022, and December 31, 2021, respectively, and include a mix of owner occupied and non-owner occupied commercial real estate, residential, construction and multifamily loans. The following tables represent the activity in the allowance for credit losses for loans, or the ACL, for the three and nine months ended September 30, 2022 and 2021: (Release of) Beginning Provision for Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Three months ended September 30, 2022 Commercial $ 14,114 $ (919) $ 67 $ 47 $ 13,175 Leases 1,736 (24) 178 - 1,534 Commercial real estate – investor 9,436 256 124 19 9,587 Commercial real estate – owner occupied 11,478 3,618 12 87 15,171 Construction 1,535 9 - - 1,544 Residential real estate – investor 661 147 - 8 816 Residential real estate – owner occupied 1,869 149 - 113 2,131 Multifamily 2,434 33 - 63 2,530 HELOC 1,542 386 - 35 1,963 Other 583 (128) 103 44 396 $ 45,388 $ 3,527 $ 484 $ 416 $ 48,847 Provision for Beginning (Release of) Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Nine months ended September 30, 2022 Commercial $ 11,751 $ 1,488 $ 149 $ 85 $ 13,175 Leases 3,480 (1,768) 178 - 1,534 Commercial real estate – investor 10,795 (664) 604 60 9,587 Commercial real estate – owner occupied 4,913 10,289 133 102 15,171 Construction 3,373 (1,829) - - 1,544 Residential real estate – investor 760 33 - 23 816 Residential real estate – owner occupied 2,832 (919) - 218 2,131 Multifamily 3,675 (1,208) - 63 2,530 HELOC 2,510 (649) - 102 1,963 Other 192 404 320 120 396 $ 44,281 $ 5,177 $ 1,384 $ 773 $ 48,847 Provision for Beginning (Release of) Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Three months ended September 30, 2021 Commercial $ 2,601 $ 82 $ 23 $ 25 $ 2,685 Leases 3,388 (41) 4 - 3,343 Commercial real estate – investor 9,003 (799) 101 18 8,121 Commercial real estate – owner occupied 2,520 8 5 7 2,530 Construction 3,048 (175) - - 2,873 Residential real estate – investor 975 (287) - 7 695 Residential real estate – owner occupied 1,866 (116) - 18 1,768 Multifamily 3,266 (121) 183 - 2,962 HELOC 1,833 (23) - 28 1,838 Other 139 19 53 29 134 $ 28,639 $ (1,453) $ 369 $ 132 $ 26,949 Provision for Allowance for credit losses Beginning (Release of) Ending Nine months ended September 30, 2021 Balance Credit Losses Charge-offs Recoveries Balance Commercial $ 2,812 $ 43 $ 232 $ 62 $ 2,685 Leases 3,888 (513) 32 - 3,343 Commercial real estate – investor 7,899 265 101 58 8,121 Commercial real estate – owner occupied 3,557 (1,213) 39 225 2,530 Construction 4,054 (1,181) - - 2,873 Residential real estate – investor 1,740 (1,328) - 283 695 Residential real estate – owner occupied 2,714 (1,074) - 128 1,768 Multifamily 3,625 (480) 183 - 2,962 HELOC 1,948 (222) 17 129 1,838 Other 1,618 (1,483) 108 107 134 $ 33,855 $ (7,186) $ 712 $ 992 $ 26,949 The ACL on loans excludes $4.4 million, $4.5 million and $2.2 million of allowance for unfunded commitments as of September 30, 2022, December 31, 2021 and September 30, 2021, respectively, recorded within Other Liabilities. The total ACL on unfunded commitments listed as of September 30, 2022 and December 31, 2021 excludes the purchase accounting adjustment of $1.0 million and $1.7 million, respectively, recorded due to our acquisition of West Suburban, which is also recorded within Other Liabilities, and is being accreted in interest income over the estimated life of the unused commitments. The following tables presents the collateral dependent loans and the related ACL allocated by segment of loans as of September 30, 2022 and December 31, 2021: Accounts ACL September 30, 2022 Real Estate Receivable Equipment Other Total Allocation Commercial $ 895 $ 8,748 $ 4 $ 1,090 $ 10,737 $ 1,453 Leases - - 1,821 - 1,821 11 Commercial real estate – investor 17,389 - - - 17,389 2,891 Commercial real estate – owner occupied 20,667 - - 2,379 23,046 6,033 Construction - - - - - - Residential real estate – investor 675 - - - 675 - Residential real estate – owner occupied 1,773 - - - 1,773 248 Multifamily 672 - - - 672 - HELOC 190 - - - 190 - Other - - - - - - Total $ 42,261 $ 8,748 $ 1,825 $ 3,469 $ 56,303 $ 10,636 Accounts ACL December 31, 2021 Real Estate Receivable Equipment Other Total Allocation Commercial $ 1,986 $ 9,901 $ - $ - $ 11,887 $ 2,677 Leases - - 3,249 505 3,754 811 Commercial real estate – investor 5,693 - - - 5,693 - Commercial real estate – owner occupied 9,147 - - 2,490 11,637 362 Construction 2,104 - - - 2,104 992 Residential real estate – investor 925 - - - 925 - Residential real estate – owner occupied 4,271 - - - 4,271 276 Multifamily 1,845 - - - 1,845 75 HELOC 1,006 - - - 1,006 190 Other - - - 7 7 4 Total $ 26,977 $ 9,901 $ 3,249 $ 3,002 $ 43,129 $ 5,387 Aged analysis of past due loans by segments of loans was as follows: 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and September 30, 2022 Past Due Past Due Due Due Current Total Loans Accruing Commercial $ 1,228 $ 1,012 $ 1,153 $ 3,393 $ 884,688 $ 888,081 $ - Leases 602 187 67 856 250,747 251,603 - Commercial real estate – investor - 1,457 17,945 19,402 922,508 941,910 12,833 Commercial real estate – owner occupied 723 - 3,091 3,814 873,137 876,951 - Construction 314 - 7,380 7,694 169,006 176,700 7,380 Residential real estate – investor 457 68 1,040 1,565 58,015 59,580 283 Residential real estate – owner occupied 644 424 2,451 3,519 217,450 220,969 235 Multifamily 1,023 - 672 1,695 321,161 322,856 - HELOC 635 - 630 1,265 114,843 116,108 21 Other 33 8 - 41 14,535 14,576 - Total $ 5,659 $ 3,156 $ 34,429 $ 43,244 $ 3,826,090 $ 3,869,334 $ 20,752 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and December 31, 2021 1 Past Due Past Due Due Due Current Total Loans Accruing Commercial $ 3,407 $ 1,413 $ 1,828 $ 6,648 $ 764,826 $ 771,474 $ 1,396 Leases 125 - 1,571 1,696 174,335 176,031 - Commercial real estate – investor - 267 1,107 1,374 798,554 799,928 - Commercial real estate – owner occupied 2,324 500 4,848 7,672 724,173 731,845 1,594 Construction 854 - - 854 205,278 206,132 - Residential real estate – investor 395 470 792 1,657 61,742 63,399 23 Residential real estate – owner occupied 1,994 591 3,077 5,662 207,586 213,248 97 Multifamily - 1,046 - 1,046 308,118 309,164 - HELOC 193 23 398 614 125,676 126,290 - Other 50 46 23 119 23,174 23,293 - Total $ 9,342 $ 4,356 $ 13,644 $ 27,342 $ 3,393,462 $ 3,420,804 $ 3,110 1 Loans modified under the CARES Act were considered current if they were in compliance with the modified terms. The table presents all nonaccrual loans as of September 30, 2022, and December 31, 2021: Nonaccrual loan detail September 30, 2022 With no ACL December 31, 2021 With no ACL Commercial $ 8,821 $ 5,449 $ 11,894 $ 9,217 Leases 235 235 3,754 2,943 Commercial real estate – investor 5,112 2,018 5,694 5,694 Commercial real estate – owner occupied 9,581 7,035 11,637 11,205 Construction 145 145 160 160 Residential real estate – investor 1,097 1,097 876 876 Residential real estate – owner occupied 3,552 3,304 4,898 4,622 Multifamily 1,559 1,559 1,573 1,573 HELOC 2,022 2,022 1,042 852 Other 2 2 3 3 Total $ 32,126 $ 22,866 $ 41,531 $ 37,145 The Company recognized $142,000 of interest on nonaccrual loans during the nine months ended September 30, 2022. Credit Quality Indicators The Company categorizes loans into credit risk categories based on current financial information, overall debt service coverage, comparison to industry averages, historical payment experience, and current economic trends. This analysis includes loans with outstanding balances or commitments greater than $50,000 and excludes homogeneous loans such as home equity lines of credit and residential mortgages. Loans with a classified risk rating are reviewed quarterly regardless of size or loan type. The Company uses the following definitions for classified risk ratings: Special Mention. Substandard. Doubtful. Credits that are not covered by the definitions above are pass credits, which are not considered to be adversely rated. Credit quality indicators by loan segment and loan origination date at September 30, 2022 were as follows: 2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted To Term Loans Total Commercial Pass $ 170,428 $ 77,354 $ 23,879 $ 14,671 $ 8,502 $ 5,253 $ 527,792 $ 473 $ 828,352 Special Mention 3,030 3,137 1,274 2,528 - - 18,038 - 28,007 Substandard 5,407 2,976 3,214 12,833 15 60 7,217 - 31,722 Total commercial 178,865 83,467 28,367 30,032 8,517 5,313 553,047 473 888,081 Leases Pass 122,629 69,757 30,415 21,531 5,628 1,408 - - 251,368 Special Mention - - - - - - - - - Substandard - - 93 142 - - - - 235 Total leases 122,629 69,757 30,508 21,673 5,628 1,408 - - 251,603 Commercial real estate – investor Pass 335,320 238,901 148,301 65,813 49,805 60,056 6,960 - 905,156 Special Mention 5,353 - - - - 3,149 - - 8,502 Substandard - 2,018 - 23,140 - 3,094 - - 28,252 Total commercial real estate – investor 340,673 240,919 148,301 88,953 49,805 66,299 6,960 - 941,910 Commercial real estate – owner occupied Pass 164,067 241,671 103,552 48,982 51,399 100,087 33,753 - 743,511 Special Mention 8,429 8,600 53,299 19,102 244 1,068 - - 90,742 Substandard 2,625 17,316 1,135 18,309 - 3,313 - - 42,698 Total commercial real estate – owner occupied 175,121 267,587 157,986 86,393 51,643 104,468 33,753 - 876,951 Construction Pass 27,377 77,625 44,138 2,460 2,886 1,435 2,560 - 158,481 Special Mention - 1,465 5,181 10,226 - - - - 16,872 Substandard 1,232 - - 115 - - - - 1,347 Total construction 28,609 79,090 49,319 12,801 2,886 1,435 2,560 - 176,700 Residential real estate – investor Pass 13,481 10,482 7,079 9,508 5,246 11,285 1,214 - 58,295 Special Mention - - - - - - - - - Substandard 175 - - 499 189 422 - - 1,285 Total residential real estate – investor 13,656 10,482 7,079 10,007 5,435 11,707 1,214 - 59,580 Residential real estate – owner occupied Pass 36,688 45,430 29,163 16,407 12,421 74,772 1,565 - 216,446 Special Mention - 594 - - - - - - 594 Substandard - 272 239 725 132 2,561 - - 3,929 Total residential real estate – owner occupied 36,688 46,296 29,402 17,132 12,553 77,333 1,565 - 220,969 Multifamily Pass 71,830 108,581 53,862 15,559 56,411 7,538 101 155 314,037 Special Mention - - - 6,837 - - - - 6,837 Substandard 1,095 - - - 608 279 - - 1,982 Total multifamily 72,925 108,581 53,862 22,396 57,019 7,817 101 155 322,856 HELOC Pass 1,909 517 1,512 1,728 661 2,616 104,776 - 113,719 Special Mention - - - - - - 111 - 111 Substandard 63 - - - 70 210 1,935 - 2,278 Total HELOC 1,972 517 1,512 1,728 731 2,826 106,822 - 116,108 Other Pass 2,892 3,102 501 166 57 122 7,734 - 14,574 Special Mention - - - - - - - - - Substandard - - 2 - - - - - 2 Total other 2,892 3,102 503 166 57 122 7,734 - 14,576 Total loans Pass 946,621 873,420 442,402 196,825 193,016 264,572 686,455 628 3,603,939 Special Mention 16,812 13,796 59,754 38,693 244 4,217 18,149 - 151,665 Substandard 10,597 22,582 4,683 55,763 1,014 9,939 9,152 - 113,730 Total loans $ 974,030 $ 909,798 $ 506,839 $ 291,281 $ 194,274 $ 278,728 $ 713,756 $ 628 $ 3,869,334 Credit quality indicators by loan segment and loan origination date at December 31, 2021, were as follows: 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted To Term Loans Total Commercial Pass $ 192,258 $ 50,638 $ 38,614 $ 28,177 $ 5,176 $ 10,945 $ 408,394 $ 30 $ 734,232 Special Mention 44 84 694 - - - 3,708 - 4,530 Substandard 9,498 4,048 14,121 326 - 75 4,644 - 32,712 Total commercial 201,800 54,770 53,429 28,503 5,176 11,020 416,746 30 771,474 Leases Pass 83,402 44,129 32,259 8,950 1,170 2,367 - - 172,277 Special Mention - - - - - - - - - Substandard - - 2,834 623 - 297 - - 3,754 Total leases 83,402 44,129 35,093 9,573 1,170 2,664 - - 176,031 Commercial real estate – investor Pass 245,346 175,218 118,697 85,049 64,810 55,523 18,602 - 763,245 Special Mention 15,466 - 10,550 - - - - - 26,016 Substandard 2,238 2,378 451 181 3,612 1,807 - - 10,667 Total commercial real estate – investor 263,050 177,596 129,698 85,230 68,422 57,330 18,602 - 799,928 Commercial real estate – owner occupied Pass 290,225 155,353 90,325 60,915 54,236 59,887 2,522 - 713,463 Special Mention - - 2,953 - - - - - 2,953 Substandard 8,318 942 1,686 - 1,251 3,232 - - 15,429 Total commercial real estate – owner occupied 298,543 156,295 94,964 60,915 55,487 63,119 2,522 - 731,845 Construction Pass 88,620 65,629 37,169 2,727 477 1,193 1,143 - 196,958 Special Mention - 2,138 4,932 - - - - - 7,070 Substandard 160 - - 1,944 - - - - 2,104 Total construction 88,780 67,767 42,101 4,671 477 1,193 1,143 - 206,132 Residential real estate – investor Pass 13,371 9,758 13,084 6,392 7,059 10,602 1,868 - 62,134 Special Mention - - - - - - - - - Substandard 121 144 - 197 385 418 - - 1,265 Total residential real estate – investor 13,492 9,902 13,084 6,589 7,444 11,020 1,868 - 63,399 Residential real estate – owner occupied Pass 48,009 31,912 20,990 13,304 30,562 60,661 2,052 - 207,490 Special Mention 659 - - - - - - - 659 Substandard 322 183 6 1,219 176 3,193 - - 5,099 Total residential real estate – owner occupied 48,990 32,095 20,996 14,523 30,738 63,854 2,052 - 213,248 Multifamily Pass 109,175 71,748 39,293 61,190 11,399 7,117 64 - 299,986 Special Mention - - 6,900 - - - - - 6,900 Substandard 433 - - 1,543 302 - - - 2,278 Total multifamily 109,608 71,748 46,193 62,733 11,701 7,117 64 - 309,164 HELOC Pass 907 2,091 2,131 805 1,667 12,315 104,843 - 124,759 Special Mention - - - - - - 108 - 108 Substandard - - - 17 12 376 1,018 - 1,423 Total HELOC 907 2,091 2,131 822 1,679 12,691 105,969 - 126,290 Other Pass 8,659 1,099 437 254 1,414 4,214 7,206 - - 23,283 Special Mention - - - - - - - - - Substandard - 3 - 7 - - - - 10 Total other 8,659 1,102 437 261 1,414 4,214 7,206 - 23,293 Total loans Pass 1,079,972 607,575 392,999 267,763 177,970 224,824 546,694 30 3,297,827 Special Mention 16,169 2,222 26,029 - - - 3,816 - 48,236 Substandard 21,090 7,698 19,098 6,057 5,738 9,398 5,662 - 74,741 Total loans $ 1,117,231 $ 617,495 $ 438,126 $ 273,820 $ 183,708 $ 234,222 $ 556,172 $ 30 $ 3,420,804 The Company had $659,000 and $488,000 in residential real estate loans in the process of foreclosure as of September 30, 2022, and December 31, 2021, respectively. Troubled debt restructurings (“TDRs”) are loans for which the contractual terms have been modified and both of these conditions exist: (1) there is a concession to the borrower and (2) the borrower is experiencing financial difficulties. Loans are restructured on a case-by-case basis during the loan collection process with modifications generally initiated at the request of the borrower. These modifications may include reduction in interest rates, extension of term, deferrals of principal, and other modifications. The Bank participates in the U.S. Department of the Treasury’s (the “Treasury”) Home Affordable Modification Program (“HAMP”) which gives qualifying homeowners an opportunity to refinance into more affordable monthly payments. Additionally, in accordance with interagency guidance, short-term deferrals granted due to the COVID-19 pandemic were not considered TDRs, if modified prior to January 1, 2022, unless the borrower was experiencing financial difficulty prior to the pandemic. The specific allocation of the allowance for credit losses for TDRs is determined by calculating the present value of the TDR cash flows by discounting the original payment less an assumption for probability of default at the original note’s issue rate, and adding this amount to the present value of collateral less selling costs. If the resulting amount is less than the recorded book value, the Bank either establishes a valuation allowance (i.e., specific reserve) as a component of the allowance for credit losses or charges off the impaired balance if it determines that such amount is a confirmed loss. This method is used consistently for all segments of the portfolio. The allowance for credit losses also includes an allowance based on a loss migration analysis for each loan category on loans and leases that are not individually evaluated for specific impairment. All loans charged-off, including TDRs charged-off, are factored into this calculation by portfolio segment. There were no TDR loan modifications for the three months ended September 30, 2022 and two TDR loan modifications for an aggregate of $39,000 for the nine months ended September 30, 2022. There was no TDR activity for the three and nine months ended September 30, 2021. TDRs are classified as being in default on a case-by-case basis when they fail to be in compliance with the modified terms. There was no TDR default activity for the periods ended September 30, 2022, and September 30, 2021, for loans that were restructured within the prior 12 month period.

Other Real Estate Owned

Other Real Estate Owned	9 Months Ended
Other Real Estate Owned	Sep. 30, 2022
Other Real Estate Owned
Other Real Estate Owned	Note 5 – Other Real Estate Owned Details related to the activity in the other real estate owned (“OREO”) portfolio, net of valuation allowance, for the periods presented are itemized in the following tables: Three Months Ended Nine Months Ended September 30, September 30, Other real estate owned 2022 2021 2022 2021 Balance at beginning of period $ 1,624 $ 1,877 $ 2,356 $ 2,474 Property additions, net of acquisition adjustments - 70 87 70 Less: Proceeds from property disposals, net of participation purchase and of gains/losses 63 37 778 567 Period valuation (write-up)/write-down - (2) 104 65 Balance at end of period $ 1,561 $ 1,912 $ 1,561 $ 1,912 Activity in the valuation allowance was as follows: Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Balance at beginning of period $ 920 $ 1,296 $ 1,179 $ 1,643 (Release of) provision for unrealized losses - (2) 104 65 Reductions taken on sales (64) (129) (427) (543) Balance at end of period $ 856 $ 1,165 $ 856 $ 1,165 Expenses related to OREO, net of lease revenue includes: Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Gain on sales, net $ (33) $ (5) $ (163) $ (40) (Release of) provision for unrealized losses - (2) 104 65 Operating expenses 58 32 159 117 Less: Lease revenue 4 - 4 4 Net OREO expense $ 21 $ 25 $ 96 $ 138

Deposits

Deposits	9 Months Ended
Deposits	Sep. 30, 2022
Deposits
Deposits	Note 6 – Deposits Major classifications of deposits were as follows: September 30, 2022 December 31, 2021 Noninterest bearing demand $ 2,098,144 $ 2,093,494 Savings 1,164,036 1,178,575 NOW accounts 630,747 587,381 Money market accounts 931,813 1,102,972 Certificates of deposit of less than $100,000 258,071 296,298 Certificates of deposit of $100,000 through $250,000 148,411 138,794 Certificates of deposit of more than $250,000 50,137 68,718 Total deposits $ 5,281,359 $ 5,466,232

Borrowings

Borrowings	9 Months Ended
Borrowings	Sep. 30, 2022
Borrowings
Borrowings	Note 7 – Borrowings The following table is a summary of borrowings as of September 30, 2022, and December 31, 2021. Junior subordinated debentures are discussed in more detail in Note 8: September 30, 2022 December 31, 2021 Securities sold under repurchase agreements $ 35,497 $ 50,337 Other short-term borrowings 25,000 - Junior subordinated debentures 25,773 25,773 Subordinated debentures 59,275 59,212 Senior notes 44,559 44,480 Notes payable and other borrowings 10,000 19,074 Total borrowings $ 200,104 $ 198,876 The Company enters into deposit sweep transactions where the transaction amounts are secured by pledged securities. These transactions consistently mature overnight from the transaction date and are governed by sweep repurchase agreements. All sweep repurchase agreements are treated as financings secured by U.S. government agencies and collateralized mortgage-backed securities and had a carrying amount of $35.5 million at September 30, 2022, and $50.3 million at December 31, 2021. The fair value of the pledged collateral was $72.4 million at September 30, 2022, and $113.0 million at December 31, 2021. At September 30, 2022, there were no customers with secured balances exceeding 10% of stockholders’ equity. The Company’s borrowings at the FHLBC require the Bank to be a member and invest in the stock of the FHLBC. Total borrowings are generally limited to the lower of 35% of total assets or 60% of the book value of certain mortgage loans. As of September 30, 2022, the Bank had $25.0 million in short-term advances outstanding under the FHLBC. There were no short-term advances as of December 31, 2021. The Bank assumed $23.4 million of long-term FHLBC advances with our ABC Bank acquisition in 2018. The remaining balance of $5.9 million was paid off in full during the second quarter of 2022. FHLB stock held at September 30, 2022 was valued at $4.5 million, and any potential FHLBC advances were collateralized by loans with a principal balance of $861.1 million, which carried a FHLBC-calculated combined collateral value of $576.7 million. The Company had excess collateral of $536.7 million available to secure borrowings at September 30, 2022. The Company also had $44.6 million and $44.5 million of senior notes outstanding, net of deferred issuance costs, as of September 30, 2022 and December 31, 2021, respectively. The senior notes were issued in December 2016 with a ten year maturity, and terms include interest payable semiannually at 5.75% for five years . Beginning December 31, 2021, the senior debt began to pay interest at a floating rate, with interest payable quarterly at three month LIBOR plus 385 basis points. The notes are redeemable, in whole or in part, at the option of the Company, beginning with the interest payment date on December 31, 2021, and on any floating rate interest payment date thereafter, at a redemption price equal to 100% of the principal amount of the notes plus accrued and unpaid interest. As of September 30, 2022, and December 31, 2021, unamortized debt issuance costs related to the senior notes were $441,000 and $520,000 , respectively, and are included as a reduction of the balance of the senior notes on the Consolidated Balance Sheet. These deferred issuance costs will be amortized to interest expense over the ten year term of the notes and are included in the Consolidated Statements of Income. On February 24, 2020, the Company originated a $20.0 million term note, of which $10.0 million is outstanding as of September 30, 2022, with a correspondent bank. The term note was issued for a three year term at one-month LIBOR plus 175 basis points, requires principal payments quarterly and interest payments monthly, and the balance of this note is included within Notes Payable and Other Borrowings on the Consolidated Balance Sheet. The Company also has an undrawn line of credit of $30.0 million with a correspondent bank to be used for short-term funding needs; advances under this line can be outstanding up to 360 days from the date of issuance. This line of credit has not been utilized since early 2019. In the second quarter of 2021, we sold and issued $60.0 million in aggregate principal amount of our 3.50% Fixed-to-Floating Rate Subordinated Notes due April 15, 2031 (the “Notes”). The Notes were offered and sold to eligible purchasers in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the Securities Act of 1933, as amended and the provisions of Regulation D promulgated thereunder. The Company intends to use the net proceeds from the offering for general corporate purposes, which may include, without limitation, the redemption of existing senior debt, common stock repurchases and strategic acquisitions. The Notes bear interest at a fixed annual rate of 3.50%, from and including the date of issuance to but excluding April 15, 2026, payable semi-annually in arrears. From and including April 15, 2026 to, but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an interest rate per annum equal to Three-Month Term SOFR (as defined in the Note) plus 273 basis points, payable quarterly in arrears. As of September 30, 2022, we had $59.3 million of subordinated debentures outstanding, net of deferred issuance costs.

Junior Subordinated Debentures

Junior Subordinated Debentures	9 Months Ended
Junior Subordinated Debentures	Sep. 30, 2022
Junior Subordinated Debentures.
Junior Subordinated Debentures	Note 8 – Junior Subordinated Debentures The Company issued $25.0 million of cumulative trust preferred securities through a private placement completed by an unconsolidated subsidiary, Old Second Capital Trust II, in April 2007. These trust preferred securities mature in 30 years , but subject to regulatory approval, can be called in whole or in part on a quarterly basis commencing June 15, 2017. The quarterly cash distributions on the securities were fixed at 6.77% through June 15, 2017, and now have a floating rate of 150 basis points over three-month LIBOR . Upon conversion to a floating rate, a cash flow hedge was initiated which resulted in the total interest rate paid on the debt of 4.39% and 4.40% for the quarters ended September 30, 2022 and September 30, 2021, respectively. The Company issued a new $25.8 million subordinated debenture to Old Second Capital Trust II in return for the aggregate net proceeds of this trust preferred offering. The interest rate and payment frequency on the debenture are equivalent to the cash distribution basis on the trust preferred securities. The junior subordinated debentures issued by the Company are disclosed on the Consolidated Balance Sheet, and the related interest expense for each issuance is included in the Consolidated Statements of Income. As of September 30, 2022, and December 31, 2021, the remaining unamortized debt issuance costs related to the junior subordinated debentures were $1,000 and are included as a reduction to the balance of the junior subordinated debentures on the Consolidated Balance Sheet. The remaining deferred issuance costs on the junior subordinated debentures related to the issuance of Old Second Capital Trust II will be amortized to interest expense over the remainder of the 30 -year term of the notes and are included in the Consolidated Statements of Income.

Equity Compensation Plans

Equity Compensation Plans	9 Months Ended
Equity Compensation Plans	Sep. 30, 2022
Equity Compensation Plans
Equity Compensation Plans	Note 9 – Equity Compensation Plans Stock-based awards are outstanding under the Company’s 2019 Equity Incentive Plan, as amended and restated (the “2019 Plan”). The 2019 Plan was originally approved at the May 2019 annual stockholders’ meeting and authorized 600,000 shares, and at the May 2021 annual stockholders’ meeting, the Company obtained stockholder approval to increase the number of shares of common stock authorized for issuance under the plan by 1,200,000 shares, from 600,000 shares to 1,800,000 shares. Following the approval of the 2019 Plan, no further awards will be granted under any other prior plan. The 2019 Plan authorizes the granting of qualified stock options, non-qualified stock options, restricted stock, restricted stock units, and stock appreciation rights (“SARs”). Awards may be granted to selected directors, officers, employees or eligible service providers under the 2019 Plan at the discretion of the Compensation Committee of the Company’s Board of Directors. As of September 30, 2022, 1,176,903 shares remained available for issuance under the 2019 Plan. Under the 2019 Plan, unless otherwise provided in an award agreement, upon the occurrence of a change in control, all stock options and SARs then held by the participant will become fully exercisable immediately if, and all stock awards and cash incentive awards will become fully earned and vested immediately if, (i) the 2019 Plan is not an obligation of the successor entity following a change in control or (ii) the 2019 Plan is an obligation of the successor entity following a change in control and the participant incurs a termination of service without cause or for good reason following the change in control. Notwithstanding the immediately preceding sentence, if the vesting of an award is conditioned upon the achievement of performance measures, then such vesting will generally be subject to the following: if, at the time of the change in control, the performance measures are less than 50% attained (pro rata based upon the time of the period through the change in control), the award will become vested and exercisable on a fractional basis with the numerator being equal to the percentage of attainment and the denominator being 50%; and if, at the time of the change in control, the performance measures are at least 50% attained (pro rata based upon the time of the period through the change in control), the award will become fully earned and vested immediately upon the change in control. Awards of restricted stock units under the 2019 Plan generally entitle holders to voting and dividend rights upon grant and are subject to forfeiture until certain restrictions have lapsed including employment for a specific period. Awards of restricted stock units under the 2019 Plan are also subject to forfeiture until certain restrictions have lapsed including employment for a specific period, but do not entitle holders to voting rights until the restricted period ends and shares are transferred in connection with the units Generally, restricted stock and restricted stock units granted under the Plan vest three years from the grant date, but the Compensation Committee of the Company’s Board of Directors has discretionary authority to change some terms including the amount of time until the vest date. There were 268,160 and 222,464 restricted stock units issued under the 2019 Plan during the nine months ended September 30, 2022 and September 30, 2021, respectively. Compensation expense is recognized over the vesting period of the restricted stock units based on the market value of the award on the issue date. Total compensation cost that has been recorded for the 2019 Plan was $2.2 million in the first nine months of 2022 and $1.2 million for the first nine months ended of 2021. A summary of changes in the Company’s unvested restricted awards for the nine months ended September 30, 2022, is as follows: September 30, 2022 Weighted Restricted Average Stock Shares Grant Date and Units Fair Value Unvested at January 1 540,306 $ 12.04 Granted 268,160 14.25 Vested (143,437) 12.75 Forfeited (17,144) 12.49 Unvested at September 30 647,885 $ 12.79 Total unrecognized compensation cost of restricted awards was $4.5 million as of September 30, 2022, which is expected to be recognized over a weighted-average period of 2.01 years.

Earnings Per Share

Earnings Per Share	9 Months Ended
Earnings Per Share	Sep. 30, 2022
Earnings Per Share
Earnings Per Share	Note 10 – Earnings Per Share The earnings per share, both basic and diluted, are as follows: Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Basic earnings per share: Weighted-average common shares outstanding 44,565,626 28,707,737 44,509,072 28,925,612 Net income $ 19,523 $ 8,412 $ 43,790 $ 29,111 Basic earnings per share $ 0.43 $ 0.30 $ 0.98 $ 1.01 Diluted earnings per share: Weighted-average common shares outstanding 44,565,626 28,707,737 44,509,072 28,925,612 Dilutive effect of unvested restricted awards 1 655,915 522,543 698,920 533,194 Diluted average common shares outstanding 45,221,541 29,230,280 45,207,992 29,458,806 Net Income $ 19,523 $ 8,412 $ 43,790 $ 29,111 Diluted earnings per share $ 0.43 $ 0.29 $ 0.97 $ 0.99 1 Includes the common stock equivalents for restricted share rights that are dilutive.

Regulatory & Capital Matters

Regulatory & Capital Matters	9 Months Ended
Regulatory & Capital Matters	Sep. 30, 2022
Regulatory & Capital Matters
Regulatory & Capital Matters	Note 11 Regulatory & Capital Matters The Bank is subject to the risk-based capital regulatory guidelines, which include the methodology for calculating the risk-weighted Bank assets, developed by the Office of the Comptroller of the Currency (the “OCC”) and the other bank regulatory agencies. In connection with the current risk-based capital regulatory guidelines, the Bank’s Board of Directors has established an internal guideline requiring the Bank to maintain a Tier 1 leverage capital ratio at or above eight percent (8%) and a total risk-based capital ratio at or above twelve percent (12%). At September 30, 2022, the Bank exceeded those thresholds. At September 30, 2022, the Bank’s Tier 1 capital leverage ratio was 9.24%, a decrease of 34 basis points from December 31, 2021, but is above the 8.00% objective. The Bank’s total capital ratio was 12.64%, a decrease of 82 basis points from December 31, 2021, but also above the objective of 12.00%. Bank holding companies are generally required to maintain minimum levels of capital in accordance with capital guidelines implemented by the Board of Governors of the Federal Reserve System. The general bank and holding company capital adequacy guidelines are shown in the accompanying table, as are the capital ratios of the Company and the Bank, as of September 30, 2022, and December 31, 2021. In July 2013, the U.S. federal banking authorities issued final rules (the “Basel III Rules”) establishing more stringent regulatory capital requirements for U.S. banking institutions, which went into effect on January 1, 2015. The Basel III Rules are applicable to all banking organizations that are subject to minimum capital requirements, including federal and state banks and savings and loan associations, as well as to bank and savings and loan holding companies, other than “small bank holding companies”, which are generally holding companies with consolidated assets of less than $3.0 billion. A detailed discussion of the Basel III Rules is included in Part I, Item 1 of the Company’s Form 10-K for the year ended December 31, 2021, under the heading “Supervision and Regulation.” At September 30, 2022 and December 31, 2021, the Company, on a consolidated basis, exceeded the minimum thresholds to be considered “well capitalized” under current regulatory defined capital ratios. Capital levels and industry defined regulatory minimum required levels are as follows: Minimum Capital Well Capitalized Adequacy with Capital Under Prompt Corrective Actual Conservation Buffer, if applicable 1 Action Provisions 2 Amount Ratio Amount Ratio Amount Ratio September 30, 2022 Common equity tier 1 capital to risk weighted assets Consolidated $ 434,155 9.16 % $ 331,778 7.00 % N/A N/A Old Second Bank 550,635 11.60 332,280 7.00 $ 308,545 6.50 % Total capital to risk weighted assets Consolidated 568,429 11.99 497,790 10.50 N/A N/A Old Second Bank 599,909 12.64 498,342 10.50 474,612 10.00 Tier 1 capital to risk weighted assets Consolidated 459,155 9.68 403,184 8.50 N/A N/A Old Second Bank 550,635 11.60 403,483 8.50 379,748 8.00 Tier 1 capital to average assets Consolidated 459,155 7.70 238,522 4.00 N/A N/A Old Second Bank 550,635 9.24 238,370 4.00 297,963 5.00 December 31, 2021 Common equity tier 1 capital to risk weighted assets Consolidated $ 394,421 9.46 % $ 291,855 7.00 % N/A N/A Old Second Bank 514,992 12.41 290,487 7.00 $ 269,738 6.50 % Total capital to risk weighted assets Consolidated 522,932 12.55 437,513 10.50 N/A N/A Old Second Bank 558,503 13.46 435,682 10.50 414,935 10.00 Tier 1 capital to risk weighted assets Consolidated 419,421 10.06 354,382 8.50 N/A N/A Old Second Bank 514,992 12.41 352,734 8.50 331,985 8.00 Tier 1 capital to average assets Consolidated 419,421 7.81 214,812 4.00 N/A N/A Old Second Bank 514,992 9.58 215,028 4.00 268,785 5.00 1 Amounts are shown inclusive of a capital conservation buffer of 2.50%. 2 The prompt corrective action provisions are only applicable at the Bank level. The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.” As part of its response to the impact of the COVID-19 pandemic, in the first quarter of 2020, U.S. federal regulatory authorities issued an interim final rule that provided banking organizations that adopted CECL during the 2020 calendar year with the option to delay for two years the estimated impact of CECL on regulatory capital relative to regulatory capital determined under the prior incurred loss methodology, followed by a three-year transition period to phase out the aggregate amount of the capital benefit provided during the initial two-year delay (i.e., a five-year transition in total). In connection with our adoption of CECL on January 1, 2020, we elected to utilize the five-year CECL transition. As of September 30, 2022, the capital measures of the Company exclude $2.9 million, which is the modified CECL transition adjustment. Dividend Restrictions In addition to the above requirements, banking regulations and capital guidelines generally limit the amount of dividends that may be paid by a bank without prior regulatory approval. Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s profits, combined with the retained profit of the previous two years , subject to the capital requirements described above. As of September 30, 2022, the Bank had capacity to pay dividends of $17.7 million to the Company without prior regulatory approval. Pursuant to the Basel III rules that came into effect January 1, 2015, and were fully phased in as of January 1, 2019, the Bank must keep a capital conservation buffer of 2.50% above the regulatory minimum capital requirements, which must consist entirely of Common Equity Tier 1 capital in order to avoid additional limitations on capital distributions and certain other payments.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
Fair Value Measurements	Sep. 30, 2022
Fair Value Measurements
Fair Value Measurements	Note 12 Fair Value Measurements Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. The fair value hierarchy established by the Company also requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. Three levels of inputs that may be used to measure fair value are: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the Company has the ability to access as of the measurement date. Level 2: Significant observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active, and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own view about the assumptions that market participants would use in pricing an asset or liability. Transfers between levels are deemed to have occurred at the end of the reporting period. At September 30, 2022 and 2021, there were no transfers between levels. The majority of securities available-for-sale are valued by external pricing services or dealer market participants and are classified in Level 2 of the fair value hierarchy. Both market and income valuation approaches are utilized. Quarterly, the Company evaluates the methodologies used by the external pricing services or dealer market participants to develop the fair values to determine whether the results of the valuations are representative of an exit price in the Company’s principal markets and an appropriate representation of fair value. The Company uses the following methods and significant assumptions to estimate fair value: ● Government-sponsored agency debt securities are primarily priced using available market information through processes such as benchmark spreads, market valuations of like securities, like securities groupings and matrix pricing. ● Other government-sponsored agency securities, MBS and some of the actively traded real estate mortgage investment conduits and collateralized mortgage obligations are priced using available market information including benchmark yields, prepayment speeds, spreads, volatility of similar securities and trade date. ● State and political subdivisions are largely grouped by characteristics (e.g., geographical data and source of revenue in trade dissemination systems). Because some securities are not traded daily and due to other grouping limitations, active market quotes are often obtained using benchmarking for like securities. ● Auction rate securities are priced using market spreads, cash flows, prepayment speeds, and loss analytics. Therefore, the valuations of auction rate asset-backed securities are considered Level 2 valuations. ● Asset-backed collateralized loan obligations were priced using data from a pricing matrix supported by our bond accounting service provider and are therefore considered Level 2 valuations. ● Annually every security holding is priced by a pricing service independent of the regular and recurring pricing services used. The independent service provides a measurement to indicate if the price assigned by the regular service is within or outside of a reasonable range. Management reviews this report and applies judgment in adjusting calculations at year end related to securities pricing. ● Residential mortgage loans available for sale in the secondary market are carried at fair market value. The fair value of loans held-for-sale is determined using quoted secondary market prices. ● Lending related commitments to fund certain residential mortgage loans, e.g., residential mortgage loans with locked interest rates to be sold in the secondary market and forward commitments for the future delivery of mortgage loans to third party investors, as well as forward commitments for future delivery of MBS are considered derivatives. Fair values are estimated based on observable changes in mortgage interest rates including prices for MBS from the date of the commitment and do not typically involve significant judgments by management. ● The fair value of mortgage servicing rights is based on a valuation model that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income to derive the resultant value. The Company is able to compare the valuation model inputs, such as the discount rate, prepayment speeds, weighted average delinquency and foreclosure/bankruptcy rates to widely available published industry data for reasonableness. ● Interest rate swap positions, both assets and liabilities, are based on valuation pricing models using an income approach reflecting readily observable market parameters such as interest rate yield curves. ● The fair value of impaired loans with specific allocations of the allowance for credit losses is essentially based on recent real estate appraisals or the fair value of the collateralized asset. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are made in the appraisal process by the appraisers to reflect differences between the available comparable sales and income data. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. ● Nonrecurring adjustments to certain commercial and residential real estate properties classified as OREO are measured at fair value, less costs to sell. Fair values are based on third party appraisals of the property, resulting in a Level 3 classification, or an executed pending sales contract. In cases where the carrying amount exceeds the fair value, less costs to sell, an impairment loss is recognized. Assets and Liabilities Measured at Fair Value on a Recurring Basis The tables below present the balance of assets and liabilities at September 30, 2022, and December 31, 2021, respectively, measured by the Company at fair value on a recurring basis: September 30, 2022 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 211,097 $ - $ - $ 211,097 U.S. government agencies - 55,963 - 55,963 U.S. government agencies mortgage-backed - 127,626 - 127,626 States and political subdivisions - 210,950 13,309 224,259 Corporate bonds - 9,544 - 9,544 Collateralized mortgage obligations - 587,846 - 587,846 Asset-backed securities - 219,587 - 219,587 Collateralized loan obligations - 173,837 - 173,837 Loans held-for-sale - 1,297 - 1,297 Mortgage servicing rights - - 11,461 11,461 Interest rate swap agreements, including risk participation agreement - 6,624 - 6,624 Mortgage banking derivatives - 188 - 188 Total $ 211,097 $ 1,393,462 $ 24,770 $ 1,629,329 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 12,278 $ - $ 12,278 Total $ - $ 12,278 $ - $ 12,278 December 31, 2021 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 202,339 $ - $ - $ 202,339 U.S. government agencies - 61,888 - 61,888 U.S. government agencies mortgage-backed - 172,302 - 172,302 States and political subdivisions - 242,373 15,236 257,609 Corporate bonds - 9,887 - 9,887 Collateralized mortgage obligations - 672,967 - 672,967 Asset-backed securities - 236,877 - 236,877 Collateralized loan obligations - 79,763 - 79,763 Loans held-for-sale - 4,737 - 4,737 Mortgage servicing rights - - 7,097 7,097 Interest rate swap agreements - 3,494 - 3,494 Mortgage banking derivatives - 508 - 508 Total $ 202,339 $ 1,484,796 $ 22,333 $ 1,709,468 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 6,809 $ - $ 6,809 Total $ - $ 6,809 $ - $ 6,809 The changes in Level 3 assets and liabilities measured at fair value on a recurring basis are as follows: Nine Months Ended September 30, 2022 Securities available-for-sale States and Mortgage Political Servicing Subdivisions Rights Beginning balance January 1, 2022 $ 15,236 $ 7,097 Total gains or losses Included in earnings (98) 4,384 Included in other comprehensive loss (1,333) - Purchases, issuances, sales, and settlements Purchases - - Issuances 519 756 Settlements (1,015) (776) Ending balance September 30, 2022 $ 13,309 $ 11,461 Nine Months Ended September 30, 2021 Securities available-for-sale States and Mortgage Political Servicing Subdivisions Rights Beginning balance January 1, 2021 $ 4,319 $ 4,224 Total gains or losses Included in earnings (7) 840 Included in other comprehensive income 812 - Purchases, issuances, sales, and settlements Purchases 748 - Issuances - 1,298 Settlements (312) (1,042) Ending balance September 30, 2021 $ 5,560 $ 5,320 The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of September 30, 2022: Weighted Measured at fair value Significant Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs States and political subdivisions $ 13,309 Discounted Cash Flow Discount Rate 2.9 - 5.4% 4.8 % Liquidity Premium 0.4 - 1.3% 0.5 % Mortgage servicing rights $ 11,461 Discounted Cash Flow Discount Rate 9.0 - 11.0% 9.0 % Prepayment Speed 0.0 - 12.8% 6.1 % The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of December 31, 2021: Weighted Measured at fair value Significant Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs States and political subdivisions $ 15,236 Discounted Cash Flow Discount Rate 0.6 - 3.5% 2.8 % Liquidity Premium 0.3 - 2.4% 0.6 % Mortgage servicing rights $ 7,097 Discounted Cash Flow Discount Rate 11.0 - 15.0% 11.0 % Prepayment Speed 0.0 - 36.6% 11.9 % Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis: The Company may be required, from time to time, to measure certain other assets at fair value on a nonrecurring basis in accordance with GAAP. These assets consist of individually evaluated (formerly, impaired) loans and OREO. For assets measured at fair value on a nonrecurring basis at September 30, 2022, and December 31, 2021, respectively, the following tables provide the level of valuation assumptions used to determine each valuation and the carrying value of the related assets: September 30, 2022 Level 1 Level 2 Level 3 Total Individually evaluated loans 1 $ - $ - $ 51,354 $ 51,354 Other real estate owned, net 2 - - 1,561 1,561 Total $ - $ - $ 52,915 $ 52,915 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans, which had a carrying amount of $68.1 million and a valuation allowance of $16.7 million resulting in an increase of specific allocations within the allowance for credit losses on loans of $11.3 million for the nine months ended September 30, 2022. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $1.6 million at September 30, 2022, which is made up of the outstanding balance of $2.5 million, net of a purchase accounting adjustment of $131,000 and a valuation allowance of $856,000 . December 31, 2021 Level 1 Level 2 Level 3 Total Individually evaluated loans 1 $ - $ - $ 13,138 $ 13,138 Other real estate owned, net 2 - - 2,356 2,356 Total $ - $ - $ 15,494 $ 15,494 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans, which had a carrying amount of $18.5 million and a valuation allowance of $5.4 million resulting in an increase of specific allocations within the allowance for credit losses on loans of $2.7 million for the year December 31, 2021. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $2.4 million at December 31, 2021, which is made up of the outstanding balance of $3.7 million, net of a purchase accounting adjustment of $131,000 and a valuation allowance of $1.2 million. The Company has estimated the fair values of these assets based primarily on Level 3 inputs. OREO and impaired loans are generally valued using the fair value of collateral provided by third party appraisals. These valuations include assumptions related to cash flow projections, discount rates, and recent comparable sales. The numerical ranges of unobservable inputs for these valuation assumptions are not meaningful.

Fair Values of Financial Instru

Fair Values of Financial Instruments	9 Months Ended
Fair Values of Financial Instruments	Sep. 30, 2022
Fair Values of Financial Instruments
Fair Values of Financial Instruments	Note 13 – Fair Values of Financial Instruments The estimated fair values approximate carrying amount for all items except those described in the following table. Securities available-for-sale fair values are based upon market prices or dealer quotes, and if no such information is available, on the rate and term of the security. The carrying value of FHLBC stock approximates fair value as the stock is nonmarketable and can only be sold to the FHLBC or another member institution at par. FHLBC stock is carried at cost and considered a Level 2 fair value. The fair value of loans and leases at September 30, 2022 and December 31, 2021, was estimated on an exit price basis incorporating discounts for credit, liquidity and marketability factors. The fair value of time deposits was estimated using discounted future cash flows at current rates offered for deposits of similar remaining maturities. The fair values of borrowings were estimated based on interest rates available to the Company for debt with similar terms and remaining maturities. The fair value of off balance sheet volume was not considered material. The carrying amount and estimated fair values of financial instruments were as follows: September 30, 2022 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 64,903 $ 64,903 $ 64,903 $ - $ - Interest earning deposits with financial institutions 51,251 51,251 51,251 - - Securities available-for-sale 1,609,759 1,609,759 211,097 1,385,353 13,309 FHLBC and FRBC stock 19,413 19,413 - 19,413 - Loans held-for-sale 1,297 1,297 - 1,297 - Net loans 3,820,487 3,694,682 - - 3,694,682 Mortgage servicing rights 11,461 11,461 - - 11,461 Interest rate swap agreements 6,602 6,602 - 6,602 - Interest rate lock commitments and forward contracts 188 188 - 188 - Interest receivable on securities and loans 20,133 20,133 - 20,133 - Financial liabilities: Noninterest bearing deposits $ 2,098,144 $ 2,098,144 $ 2,098,144 $ - $ - Interest bearing deposits 3,183,215 3,166,428 - 3,166,428 - Securities sold under repurchase agreements 35,497 35,497 - 35,497 - Other short-term borrowings 25,000 25,000 - 25,000 - Junior subordinated debentures 25,773 21,650 - 21,650 - Subordinated debentures 59,275 51,985 - 51,985 - Senior notes 44,559 44,469 44,469 - - Note payable and other borrowings 10,000 9,970 - 9,970 - Interest rate swap agreements 12,277 12,277 - 12,277 - Interest payable on deposits and borrowings 2,067 2,067 - 2,067 - December 31, 2021 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 38,565 $ 38,565 $ 38,565 $ - $ - Interest earning deposits with financial institutions 713,542 713,542 713,542 - - Securities available-for-sale 1,693,632 1,693,632 202,339 1,476,057 15,236 FHLBC and FRBC stock 13,257 13,257 - 13,257 - Loans held-for-sale 4,737 4,737 - 4,737 - Net loans 3,376,523 3,407,596 - - 3,407,596 Mortgage servicing rights 7,097 7,097 - - 7,097 Interest rate swap agreements 3,494 3,494 - 3,494 - Interest rate lock commitments and forward contracts 508 508 - 508 - Interest receivable on securities and loans 13,431 13,431 - 13,431 - Financial liabilities: Noninterest bearing deposits $ 2,093,494 $ 2,093,494 $ 2,093,494 $ - $ - Interest bearing deposits 3,372,738 3,375,930 - 3,375,930 - Securities sold under repurchase agreements 50,377 50,377 - 50,377 - Junior subordinated debentures 25,773 18,557 - 18,557 - Subordinated debentures 59,212 60,111 - 60,111 - Senior notes 44,480 44,480 44,480 - - Note payable and other borrowings 19,074 19,411 - 19,411 - Interest rate swap agreements 6,788 6,788 - 6,788 - Interest payable on deposits and borrowings 1,706 1,706 - 1,706 -

Derivatives, Hedging Activities

Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk	9 Months Ended
	Sep. 30, 2022
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk	Note 14 – Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk Risk Management Objective of Using Derivatives The Company is exposed to certain risk arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company manages economic risks, including interest rate, liquidity, and credit risk primarily by managing the amount, sources, and duration of its assets and liabilities and the use of derivative financial instruments. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash receipts and its known or expected cash payments principally related to the Company’s loan portfolio. Cash Flow Hedges of Interest Rate Risk The Company’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish these objectives, the Company primarily uses interest rate swaps as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable-rate amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. In December of 2019, the Company also executed a loan pool hedge of $50 million to convert variable rate loans to a fixed rate index for a five year term. In August of 2022, the Company also executed two loan pool hedges of $100 million each to convert variable rate loans to a fixed rate index for a three year term. For derivatives designated and that qualify as cash flow hedges of interest rate risk, the gain or loss on the derivative is recorded in Accumulated Other Comprehensive Income and subsequently reclassified into interest income/expense in the same period(s) during which the hedged transaction affects earnings. Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are received on the Company’s variable-rate borrowings. During the next twelve months, the Company estimates that an additional $3.5 million will be reclassified as a decrease to interest income and an additional $401,000 will be reclassified as a decrease to interest expense. Non-designated Hedges Derivatives not designated as hedges are not speculative and result from a service the Company provides to certain customers. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting derivatives that the Company executes with a third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate derivatives associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer derivatives and the offsetting derivatives with financial counterparties are recognized directly in earnings. The Company also grants mortgage loan interest rate lock commitments to borrowers, subject to normal loan underwriting standards. The interest rate risk associated with these loan interest rate lock commitments is managed with contracts for future deliveries of loans as well as selling forward mortgage-backed securities contracts. Loan interest rate lock commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Commitments to originate residential mortgage loans held-for-sale and forward commitments to sell residential mortgage loans or forward MBS contracts are considered derivative instruments and changes in the fair value are recorded to mortgage banking revenue. Fair values are estimated based on observable changes in mortgage interest rates including mortgage-backed securities prices from the date of the commitment. Disclosure of Fair Values of Derivative Instruments on the Balance Sheet The Company entered into a forward starting interest rate swap on August 18, 2015, with an effective date of June 15, 2017. This transaction had a notional amount totaling $25.8 million as of September 30, 2022, was designated as a cash flow hedge of certain junior subordinated debentures and was determined to be fully effective during the period presented. As such, no amount of ineffectiveness has been included in net income. Therefore, the aggregate fair value of the swap is recorded in other liabilities with changes in fair value recorded in other comprehensive income, net of tax. The amount included in other comprehensive income would be reclassified to current earnings should all or a portion of the hedge no longer be considered effective. The Company expects the hedge to remain fully effective during the remaining term of the swap. The Bank will pay the counterparty a fixed rate and receive a floating rate based on three month LIBOR. The trust preferred securities In December 2019, the Company also executed a loan pool hedge of $50.0 million to convert variable rate loans to a fixed rate index for a five year term. This transaction falls under hedge accounting standards and is paired against a pool of the Bank’s LIBOR-based loans. In August 2022, the Company also executed two loan pool hedges of $100.0 million each to convert variable rate loans to a fixed rate index for a three year term. This transaction falls under hedge accounting standards and is paired against a pool of the Bank’s SOFR-based loans. Overall, the new swap only bolsters income in down rate scenarios by a modest degree. We consider the current level of interest rate risk to be moderate but intend to continue looking for market opportunities to hedge further. The Bank also has interest rate derivative positions to assist with risk management that are not designated as hedging instruments. These derivative positions relate to transactions in which the Bank enters an interest rate swap with a client while at the same time entering into an offsetting interest rate swap with another financial institution. The Bank held $5.0 million of cash collateral and $180,000 of cash collateral related to one correspondent financial institution to cover the loan pool hedge mark to market valuation at September 30, 2022 and December 31, 2021, respectively. The Bank had $9.8 million of cash collateral at two correspondent financial institutions to support interest rate swap activity and $17.2 million of cash collateral held by one correspondent financial institution to support interest rate swap activity. No investment securities were required to be pledged to any correspondent financial institution at September 30, 2022 and December 31, 2021, respectively. At September 30, 2022, the notional amount of non-hedging interest rate swaps was $114.5 million with a weighted average maturity of 5.6 years. At December 31, 2021, the notional amount of non-hedging interest rate swaps was $165.0 million with a weighted average maturity of 3.9 years. The Bank offsets derivative assets and liabilities that are subject to a master netting arrangement. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Balance Sheet as of September 30, 2022 and December 31, 2021. Fair Value of Derivative Instruments September 30, 2022 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swap agreements 4 275,774 Other Assets 2,687 Other Liabilities 8,362 Total derivatives designated as hedging instruments 2,687 8,362 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 22 114,511 Other Assets 3,915 Other Liabilities 3,915 Interest rate lock commitments and forward contracts 58 15,552 Other Assets 188 Other Liabilities - Other contracts 3 28,526 Other Assets 22 Other Liabilities 1 Total derivatives not designated as hedging instruments 4,125 3,916 December 31, 2021 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swap agreements 2 75,774 Other Assets 808 Other Liabilities 4,102 Total derivatives designated as hedging instruments 808 4,102 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 26 165,005 Other Assets 2,686 Other Liabilities 2,686 Interest rate lock commitments and forward contracts 87 34,414 Other Assets 508 Other Liabilities - Other contracts 3 17,173 Other Assets - Other Liabilities 21 Total derivatives not designated as hedging instruments 3,194 2,707 Disclosure of the Effect of Fair Value and Cash Flow Hedge Accounting The fair value and cash flow hedge accounting related to derivatives covered under ASC Subtopic 815-20 impacted Accumulated Other Comprehensive Income (“AOCI”) and the Income Statement. The loss recognized in AOCI on derivatives totaled $4.1 million as of September 30, 2022, and $1.8 million as of September 30, 2021. The amount of the gain reclassified from AOCI to interest income on the income statement was $15,000 and $40,000 for the nine months ended September 30, 2022 and September 30, 2021, respectively. Credit-risk-related Contingent Features For derivative transactions involving counterparties who are lending customers of the Company, the derivative credit exposure is managed through the normal credit review and monitoring process, which may include collateralization, financial covenants and/or financial guarantees of affiliated parties. Agreements with such customers require that losses associated with derivative transactions receive payment priority from any funds recovered should a customer default and ultimate disposition of collateral or guarantees occur. Credit exposure to broker/dealer counterparties is managed through agreements with each derivative counterparty that require collateralization of fair value gains owed by such counterparties. Some small degree of credit exposure exists due to timing differences between when a gain may occur and the subsequent point in time that collateral is delivered to secure that gain. This is monitored by the Company and procedures are in place to minimize this exposure. Such agreements also require the Company to collateralize counterparties in circumstances wherein the fair value of the derivatives result in loss to the Company. Other provisions of such agreements include the definition of certain events that may lead to the declaration of default and/or the early termination of the derivative transaction(s): ● If the Company either defaults or is capable of being declared in default on any of its indebtedness (exclusive of deposit obligations), then the Company could also be declared in default on its derivative obligations. ● If a merger occurs that materially changes the Company's creditworthiness in an adverse manner. ● If certain specified adverse regulatory actions occur, such as the issuance of a Cease and Desist Order, or citations for actions considered Unsafe and Unsound or that may lead to the termination of deposit insurance coverage by the FDIC. The Bank also issues letters of credit, which are conditional commitments that guarantee the performance of a customer to a third party. The credit risk involved and collateral obtained in issuing letters of credit are essentially the same as that involved in extending loan commitments to our customers. In addition to customer related commitments, the Company is responsible for letters of credit commitments that relate to properties held in OREO. The following table represents the Company’s contractual commitments due to letters of credit as of September 30, 2022, and December 31, 2021. The following table is a summary of letter of credit commitments: September 30, 2022 December 31, 2021 Fixed Variable Total Fixed Variable Total Letters of credit: Borrower: Financial standby $ 3,424 $ 15,000 $ 18,424 $ 384 $ 17,474 $ 17,858 Commercial standby - - - - - - Performance standby 3,947 10,799 14,746 456 14,907 15,363 7,371 25,799 33,170 840 32,381 33,221 Non-borrower: Performance standby - 67 67 - 67 67 Total letters of credit $ 7,371 $ 25,866 $ 33,237 $ 840 $ 32,448 $ 33,288 Unused loan commitments: $ 197,499 $ 779,515 $ 977,014 $ 84,225 $ 895,665 $ 979,890 As of September 30, 2022, the Company evaluated current market conditions, including any impacts related to COVID-19, market interest rate changes, and unused line of credit utilization trends during the third quarter of 2022, and based on that analysis under the CECL methodology, the Company determined credit losses related to unfunded commitments totaled $4.4 million, excluding a $1.0 million purchase accounting adjustment on unfunded commitments recorded from our West Suburban acquisition, which is being accreted to interest income over the estimated life of the unused commitments. The resultant increase in the ACL for unfunded commitments of $749,000 for the third quarter of 2022, compared to the prior quarter end, is primarily related to a $973,000 increase in the commercial unfunded commitments funding rate assumptions based on our analysis of the last 12 months of utilization, decreased by accretion of $224,000 to interest income of the purchase accounting adjustment. The Company will continue to assess the credit risk at least quarterly, and adjust the allowance for unfunded commitments, which is carried within other liabilities on our Consolidated Balance Sheet, as needed, with the appropriate offsetting entry to the provision for credit losses on our Consolidated Statements of Income.

Basis of Presentation and Cha_2

Basis of Presentation and Changes in Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2022
Basis of Presentation and Changes in Significant Accounting Policies
Recent Accounting Pronouncements	Recent Accounting Pronouncements The following is a summary of recent accounting pronouncements that have impacted or could potentially affect the Company : ASU 2018-16, ASU 2020-04 and ASU 2021-01 Derivatives and Hedging (Topic 815): Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting. Reference Rate Reform The Company formed a LIBOR transition team in 2019, and has developed a project plan to assess the use of alternative indexes and to seek to ensure all financial instruments that reference LIBOR are identified, quantified, and researched for the LIBOR fallback language available or needed. The Company has completed the ISDA protocol adherence for LIBOR fallback language for all commercial swaps, has met with its commercial loan clients to also guide their swap fallback language adherence, and worked to revise all credit documents being issued by Old Second National Bank (the “Bank”) for new loans to ensure appropriate fallback language is included. We have discontinued the use of LIBOR as a reference rate for all consumer loans issued after July 31, 2021, and all commercial loans issued after December 31, 2021, with certain exceptions for those loans that were in the process of funding at the end of 2021. The Company’s systems have been updated to handle multiple SOFR-based indexes and we continue to meet regularly to plan for the transition of existing LIBOR exposures prior to the final LIBOR cessation date of June 30, 2023. ASU 2022-01 Derivatives and Hedging (Topic 815): Fair Value Hedging – Portfolio Layer Method The Company is currently reviewing ASU 2022-01 for the impact to derivative measurement and disclosures, and will assess any revisions needed for reporting purposes in the next quarter. We anticipate adopting ASU 2022-01 no later than January 1, 2023. We do not expect a material impact upon adoption. ASU 2022-02 Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures The Company is currently reviewing ASU 2022-02 for the impact to TDR recognition, measurement and disclosures, and will assess any revisions needed for reporting purposes in the next quarter. We anticipate adopting ASU 2022-02 as of January 1, 2023.
Subsequent Events	Subsequent Events On October 18, 2022, our Board of Directors declared a cash dividend of $0.05 per share payable on November 7, 2022, to stockholders of record as of October 28, 2022; dividends of $2.2 million are scheduled to be paid to stockholders on November 7, 2022.

Acquisition (Tables)

Acquisition (Tables)	9 Months Ended
Acquisition (Tables)	Sep. 30, 2022
Acquisition
Summary of acquisition	West Suburban Acquisition Summary As of Date of Acquisition December 1, 2021 Assets Cash and due from banks $ 16,794 Interest bearing deposits with financial institutions 232,880 Securities available-for-sale and held-to maturity, at fair value 1,067,517 FHLBC stock 3,340 Loans, net of allowance for credit losses Day One PCD loan adjustment 1,500,974 Premises and equipment 47,456 Other real estate owned 5,552 Core deposit intangible 14,772 Deferred tax assets 5,819 Other assets 48,838 Total assets $ 2,943,942 Liabilities Noninterest bearing demand $ 1,070,980 Savings, NOW and money market 1,408,051 Time 215,205 Total deposits 2,694,236 Reserve for unfunded commitments 1,787 Other liabilities 20,629 Total liabilities 2,716,652 Cash consideration paid 100,679 Stock issued for acquisition 194,484 Total Liabilities Assumed and Cash and Stock Consideration Paid for Acquisition $ 3,011,815 Goodwill $ 67,873
Schedule of Purchase price of loans at acquisition	As of West Suburban Acquired PCD Loans December 1, 2021 Par value of acquired loans $ 108,241 Allowance for credit losses (12,075) Non-credit discount (1,723) Purchase price of PCD loans at acquisition $ 94,443
Schedule of carrying amount of acquired loans	Acquired Loan Detail As of September 30, 2022 As of December 31, 2021 PCD Non-PCD Total PCD Non-PCD Total West Suburban acquired loans $ 77,548 $ 1,171,877 $ 1,249,425 $ 102,409 $ 1,418,752 $ 1,521,161 ABC Bank acquired loans 2,114 44,082 46,196 4,547 64,236 68,783 Talmer Bank acquired loans - 16,048 16,048 - 45,858 45,858 Total acquired loans net book value $ 79,662 $ 1,232,007 $ 1,311,669 $ 106,956 $ 1,528,846 $ 1,635,802 Accretion recorded on acquired loans year to date $ 782 $ 4,121 $ 4,903 $ 401 $ 565 $ 966 Accretion recorded on acquired unfunded commitments year to date $ 670 $ 74

Securities (Tables)

Securities (Tables)	9 Months Ended
Securities (Tables)	Sep. 30, 2022
Securities
Schedule of amortized cost and fair value of the securities portfolio and corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive loss	Gross Gross Amortized Unrealized Unrealized Fair September 30, 2022 Cost 1 Gains Losses Value Securities available-for-sale U.S. Treasury $ 223,910 $ - $ (12,813) $ 211,097 U.S. government agencies 61,364 - (5,401) 55,963 U.S. government agencies mortgage-backed 145,857 - (18,231) 127,626 States and political subdivisions 243,515 1 (19,257) 224,259 Corporate bonds 10,000 - (456) 9,544 Collateralized mortgage obligations 648,044 5 (60,203) 587,846 Asset-backed securities 227,130 23 (7,566) 219,587 Collateralized loan obligations 180,910 - (7,073) 173,837 Total securities available-for-sale $ 1,740,730 $ 29 $ (131,000) $ 1,609,759 Gross Gross Amortized Unrealized Unrealized Fair December 31, 2021 Cost 1 Gains Losses Value Securities available-for-sale U.S. Treasury $ 202,251 $ 125 $ (37) $ 202,339 U.S. government agencies 62,587 - (699) 61,888 U.S. government agencies mortgage-backed 172,016 856 (570) 172,302 States and political subdivisions 241,937 16,344 (672) 257,609 Corporate bonds 10,000 - (113) 9,887 Collateralized mortgage obligations 673,238 2,014 (2,285) 672,967 Asset-backed securities 236,293 1,245 (661) 236,877 Collateralized loan obligations 79,838 3 (78) 79,763 Total securities available-for-sale $ 1,678,160 $ 20,587 $ (5,115) $ 1,693,632 1 Excludes accrued interest receivable of $6.3 million and $4.3 million at September 30, 2022 and December 31, 2021, respectively, that is recorded in other assets on the consolidated balance sheet.
Schedule of fair value, amortized cost and weighted average yield of debt securities by contractual maturity along with securities not due at a single maturity date, primarily mortgage-backed securities (MBS), asset-backed securities, and collateralized loan obligations	Weighted Amortized Average Fair Securities available-for-sale Cost Yield Value Due in one year or less $ 8,816 1.10 % $ 8,617 Due after one year through five years 303,411 1.05 284,480 Due after five years through ten years 44,313 2.63 39,593 Due after ten years 182,249 3.02 168,173 538,789 1.85 500,863 Mortgage-backed and collateralized mortgage obligations 793,901 2.22 715,472 Asset-backed securities 227,130 3.39 219,587 Collateralized loan obligations 180,910 4.64 173,837 Total securities available-for-sale $ 1,740,730 2.51 % $ 1,609,759
Schedule of securities with unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position	Less than 12 months 12 months or more September 30, 2022 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries 5 $ 12,813 $ 211,097 - $ - $ - 5 $ 12,813 $ 211,097 U.S. government agencies 2 1,987 27,188 7 3,414 28,775 9 5,401 55,963 U.S. government agencies mortgage-backed 126 16,766 122,905 6 1,465 4,721 132 18,231 127,626 States and political subdivisions 79 18,155 219,497 3 1,102 4,510 82 19,257 224,007 Corporate bonds 1 286 4,715 1 170 4,829 2 456 9,544 Collateralized mortgage obligations 205 48,552 505,601 15 11,651 77,102 220 60,203 582,703 Asset-backed securities 44 6,553 196,221 6 1,013 11,524 50 7,566 207,745 Collateralized loan obligations 26 5,735 134,712 8 1,338 39,125 34 7,073 173,837 Total securities available-for-sale 488 $ 110,847 $ 1,421,936 46 $ 20,153 $ 170,586 534 $ 131,000 $ 1,592,522 Less than 12 months 12 months or more December 31, 2021 in an unrealized loss position in an unrealized loss position Total Number of Unrealized Fair Number of Unrealized Fair Number of Unrealized Fair Securities available-for-sale Securities Losses Value Securities Losses Value Securities Losses Value U.S. Treasuries 1 $ 37 $ 49,719 - $ - $ - 1 $ 37 $ 49,719 U.S. government agencies 5 592 56,879 4 107 5,008 9 699 61,887 U.S. government agencies mortgage-backed 63 505 78,711 1 65 1,663 64 570 80,374 States and political subdivisions 7 55 8,430 1 617 4,051 8 672 12,481 Corporate bonds 2 113 9,887 - - - 2 113 9,887 Collateralized mortgage obligations 133 2,285 381,658 - - - 133 2,285 381,658 Asset-backed securities 20 608 103,819 3 53 3,276 23 661 107,095 Collateralized loan obligations 10 35 45,132 2 43 10,628 12 78 55,760 Total securities available-for-sale 241 $ 4,230 $ 734,235 11 $ 885 $ 24,626 252 $ 5,115 $ 758,861
Schedule of securities available for sale net realized gains (losses)	Three Months Ended Nine Months Ended September 30, September 30, Securities available-for-sale 2022 2021 2022 2021 Proceeds from sales of securities $ - $ 26,873 $ 3,303 $ 35,075 Gross realized gains on securities $ - $ 262 $ - $ 267 Gross realized losses on securities 1 (1) (18) (34) (21) Net realized (losses) gains $ (1) $ 244 $ (34) $ 246 Income tax benefit (expense) on net realized (losses) gains $ 1 $ (69) $ 10 $ (70) Effective tax rate applied N/M 28.3 % 29.4 % 28.5 % 1 The Company received proceeds of $7.5 million from the call of available for sale investment securities for the nine months ended September 30, 2022. A loss of $1,000 was recorded on the call of securities during the third quarter of 2022.

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses on Loans (Tables)	9 Months Ended
Loans and Allowance for Credit Losses on Loans (Tables)	Sep. 30, 2022
Loans and Allowance for Credit Losses on Loans
Schedule of major classifications of loans	September 30, 2022 December 31, 2021 Commercial 1 $ 888,081 $ 771,474 Leases 251,603 176,031 Commercial real estate – investor 941,910 799,928 Commercial real estate – owner occupied 876,951 731,845 Construction 176,700 206,132 Residential real estate – investor 59,580 63,399 Residential real estate – owner occupied 220,969 213,248 Multifamily 322,856 309,164 HELOC 116,108 126,290 Other 2 14,576 23,293 Total loans 3,869,334 3,420,804 Allowance for credit losses on loans (48,847) (44,281) Net loans 3 $ 3,820,487 $ 3,376,523 1 Includes $2.4 million and $38.4 million of Paycheck Protection Program (“PPP”) loans at September 30, 2022 and December 31, 2021, respectively. 2 The “Other” segment includes consumer and overdrafts in this table and in subsequent tables within Note 4 - Loans and Allowance for Credit Losses on Loans. 3 Excludes accrued interest receivable of $13.7 million and $9.2 million at September 30, 2022 and December 31, 2021, respectively, that is recorded in other assets on the consolidated balance sheet.
Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment	(Release of) Beginning Provision for Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Three months ended September 30, 2022 Commercial $ 14,114 $ (919) $ 67 $ 47 $ 13,175 Leases 1,736 (24) 178 - 1,534 Commercial real estate – investor 9,436 256 124 19 9,587 Commercial real estate – owner occupied 11,478 3,618 12 87 15,171 Construction 1,535 9 - - 1,544 Residential real estate – investor 661 147 - 8 816 Residential real estate – owner occupied 1,869 149 - 113 2,131 Multifamily 2,434 33 - 63 2,530 HELOC 1,542 386 - 35 1,963 Other 583 (128) 103 44 396 $ 45,388 $ 3,527 $ 484 $ 416 $ 48,847 Provision for Beginning (Release of) Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Nine months ended September 30, 2022 Commercial $ 11,751 $ 1,488 $ 149 $ 85 $ 13,175 Leases 3,480 (1,768) 178 - 1,534 Commercial real estate – investor 10,795 (664) 604 60 9,587 Commercial real estate – owner occupied 4,913 10,289 133 102 15,171 Construction 3,373 (1,829) - - 1,544 Residential real estate – investor 760 33 - 23 816 Residential real estate – owner occupied 2,832 (919) - 218 2,131 Multifamily 3,675 (1,208) - 63 2,530 HELOC 2,510 (649) - 102 1,963 Other 192 404 320 120 396 $ 44,281 $ 5,177 $ 1,384 $ 773 $ 48,847 Provision for Beginning (Release of) Ending Allowance for credit losses Balance Credit Losses Charge-offs Recoveries Balance Three months ended September 30, 2021 Commercial $ 2,601 $ 82 $ 23 $ 25 $ 2,685 Leases 3,388 (41) 4 - 3,343 Commercial real estate – investor 9,003 (799) 101 18 8,121 Commercial real estate – owner occupied 2,520 8 5 7 2,530 Construction 3,048 (175) - - 2,873 Residential real estate – investor 975 (287) - 7 695 Residential real estate – owner occupied 1,866 (116) - 18 1,768 Multifamily 3,266 (121) 183 - 2,962 HELOC 1,833 (23) - 28 1,838 Other 139 19 53 29 134 $ 28,639 $ (1,453) $ 369 $ 132 $ 26,949 Provision for Allowance for credit losses Beginning (Release of) Ending Nine months ended September 30, 2021 Balance Credit Losses Charge-offs Recoveries Balance Commercial $ 2,812 $ 43 $ 232 $ 62 $ 2,685 Leases 3,888 (513) 32 - 3,343 Commercial real estate – investor 7,899 265 101 58 8,121 Commercial real estate – owner occupied 3,557 (1,213) 39 225 2,530 Construction 4,054 (1,181) - - 2,873 Residential real estate – investor 1,740 (1,328) - 283 695 Residential real estate – owner occupied 2,714 (1,074) - 128 1,768 Multifamily 3,625 (480) 183 - 2,962 HELOC 1,948 (222) 17 129 1,838 Other 1,618 (1,483) 108 107 134 $ 33,855 $ (7,186) $ 712 $ 992 $ 26,949 The ACL on loans excludes $4.4 million, $4.5 million and $2.2 million of allowance for unfunded commitments as of September 30, 2022, December 31, 2021 and September 30, 2021, respectively, recorded within Other Liabilities. The total ACL on unfunded commitments listed as of September 30, 2022 and December 31, 2021 excludes the purchase accounting adjustment of $1.0 million and $1.7 million, respectively, recorded due to our acquisition of West Suburban, which is also recorded within Other Liabilities, and is being accreted in interest income over the estimated life of the unused commitments. The following tables presents the collateral dependent loans and the related ACL allocated by segment of loans as of September 30, 2022 and December 31, 2021: Accounts ACL September 30, 2022 Real Estate Receivable Equipment Other Total Allocation Commercial $ 895 $ 8,748 $ 4 $ 1,090 $ 10,737 $ 1,453 Leases - - 1,821 - 1,821 11 Commercial real estate – investor 17,389 - - - 17,389 2,891 Commercial real estate – owner occupied 20,667 - - 2,379 23,046 6,033 Construction - - - - - - Residential real estate – investor 675 - - - 675 - Residential real estate – owner occupied 1,773 - - - 1,773 248 Multifamily 672 - - - 672 - HELOC 190 - - - 190 - Other - - - - - - Total $ 42,261 $ 8,748 $ 1,825 $ 3,469 $ 56,303 $ 10,636 Accounts ACL December 31, 2021 Real Estate Receivable Equipment Other Total Allocation Commercial $ 1,986 $ 9,901 $ - $ - $ 11,887 $ 2,677 Leases - - 3,249 505 3,754 811 Commercial real estate – investor 5,693 - - - 5,693 - Commercial real estate – owner occupied 9,147 - - 2,490 11,637 362 Construction 2,104 - - - 2,104 992 Residential real estate – investor 925 - - - 925 - Residential real estate – owner occupied 4,271 - - - 4,271 276 Multifamily 1,845 - - - 1,845 75 HELOC 1,006 - - - 1,006 190 Other - - - 7 7 4 Total $ 26,977 $ 9,901 $ 3,249 $ 3,002 $ 43,129 $ 5,387
Schedule of aged analysis of past due loans by class of loans	90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and September 30, 2022 Past Due Past Due Due Due Current Total Loans Accruing Commercial $ 1,228 $ 1,012 $ 1,153 $ 3,393 $ 884,688 $ 888,081 $ - Leases 602 187 67 856 250,747 251,603 - Commercial real estate – investor - 1,457 17,945 19,402 922,508 941,910 12,833 Commercial real estate – owner occupied 723 - 3,091 3,814 873,137 876,951 - Construction 314 - 7,380 7,694 169,006 176,700 7,380 Residential real estate – investor 457 68 1,040 1,565 58,015 59,580 283 Residential real estate – owner occupied 644 424 2,451 3,519 217,450 220,969 235 Multifamily 1,023 - 672 1,695 321,161 322,856 - HELOC 635 - 630 1,265 114,843 116,108 21 Other 33 8 - 41 14,535 14,576 - Total $ 5,659 $ 3,156 $ 34,429 $ 43,244 $ 3,826,090 $ 3,869,334 $ 20,752 90 days or 90 Days or Greater Past 30-59 Days 60-89 Days Greater Past Total Past Due and December 31, 2021 1 Past Due Past Due Due Due Current Total Loans Accruing Commercial $ 3,407 $ 1,413 $ 1,828 $ 6,648 $ 764,826 $ 771,474 $ 1,396 Leases 125 - 1,571 1,696 174,335 176,031 - Commercial real estate – investor - 267 1,107 1,374 798,554 799,928 - Commercial real estate – owner occupied 2,324 500 4,848 7,672 724,173 731,845 1,594 Construction 854 - - 854 205,278 206,132 - Residential real estate – investor 395 470 792 1,657 61,742 63,399 23 Residential real estate – owner occupied 1,994 591 3,077 5,662 207,586 213,248 97 Multifamily - 1,046 - 1,046 308,118 309,164 - HELOC 193 23 398 614 125,676 126,290 - Other 50 46 23 119 23,174 23,293 - Total $ 9,342 $ 4,356 $ 13,644 $ 27,342 $ 3,393,462 $ 3,420,804 $ 3,110 1 Loans modified under the CARES Act were considered current if they were in compliance with the modified terms.
Schedule of loans on nonaccrual for which there was no related allowance	Nonaccrual loan detail September 30, 2022 With no ACL December 31, 2021 With no ACL Commercial $ 8,821 $ 5,449 $ 11,894 $ 9,217 Leases 235 235 3,754 2,943 Commercial real estate – investor 5,112 2,018 5,694 5,694 Commercial real estate – owner occupied 9,581 7,035 11,637 11,205 Construction 145 145 160 160 Residential real estate – investor 1,097 1,097 876 876 Residential real estate – owner occupied 3,552 3,304 4,898 4,622 Multifamily 1,559 1,559 1,573 1,573 HELOC 2,022 2,022 1,042 852 Other 2 2 3 3 Total $ 32,126 $ 22,866 $ 41,531 $ 37,145
Schedule of credit quality indicators by class of loans	2022 2021 2020 2019 2018 Prior Revolving Loans Revolving Loans Converted To Term Loans Total Commercial Pass $ 170,428 $ 77,354 $ 23,879 $ 14,671 $ 8,502 $ 5,253 $ 527,792 $ 473 $ 828,352 Special Mention 3,030 3,137 1,274 2,528 - - 18,038 - 28,007 Substandard 5,407 2,976 3,214 12,833 15 60 7,217 - 31,722 Total commercial 178,865 83,467 28,367 30,032 8,517 5,313 553,047 473 888,081 Leases Pass 122,629 69,757 30,415 21,531 5,628 1,408 - - 251,368 Special Mention - - - - - - - - - Substandard - - 93 142 - - - - 235 Total leases 122,629 69,757 30,508 21,673 5,628 1,408 - - 251,603 Commercial real estate – investor Pass 335,320 238,901 148,301 65,813 49,805 60,056 6,960 - 905,156 Special Mention 5,353 - - - - 3,149 - - 8,502 Substandard - 2,018 - 23,140 - 3,094 - - 28,252 Total commercial real estate – investor 340,673 240,919 148,301 88,953 49,805 66,299 6,960 - 941,910 Commercial real estate – owner occupied Pass 164,067 241,671 103,552 48,982 51,399 100,087 33,753 - 743,511 Special Mention 8,429 8,600 53,299 19,102 244 1,068 - - 90,742 Substandard 2,625 17,316 1,135 18,309 - 3,313 - - 42,698 Total commercial real estate – owner occupied 175,121 267,587 157,986 86,393 51,643 104,468 33,753 - 876,951 Construction Pass 27,377 77,625 44,138 2,460 2,886 1,435 2,560 - 158,481 Special Mention - 1,465 5,181 10,226 - - - - 16,872 Substandard 1,232 - - 115 - - - - 1,347 Total construction 28,609 79,090 49,319 12,801 2,886 1,435 2,560 - 176,700 Residential real estate – investor Pass 13,481 10,482 7,079 9,508 5,246 11,285 1,214 - 58,295 Special Mention - - - - - - - - - Substandard 175 - - 499 189 422 - - 1,285 Total residential real estate – investor 13,656 10,482 7,079 10,007 5,435 11,707 1,214 - 59,580 Residential real estate – owner occupied Pass 36,688 45,430 29,163 16,407 12,421 74,772 1,565 - 216,446 Special Mention - 594 - - - - - - 594 Substandard - 272 239 725 132 2,561 - - 3,929 Total residential real estate – owner occupied 36,688 46,296 29,402 17,132 12,553 77,333 1,565 - 220,969 Multifamily Pass 71,830 108,581 53,862 15,559 56,411 7,538 101 155 314,037 Special Mention - - - 6,837 - - - - 6,837 Substandard 1,095 - - - 608 279 - - 1,982 Total multifamily 72,925 108,581 53,862 22,396 57,019 7,817 101 155 322,856 HELOC Pass 1,909 517 1,512 1,728 661 2,616 104,776 - 113,719 Special Mention - - - - - - 111 - 111 Substandard 63 - - - 70 210 1,935 - 2,278 Total HELOC 1,972 517 1,512 1,728 731 2,826 106,822 - 116,108 Other Pass 2,892 3,102 501 166 57 122 7,734 - 14,574 Special Mention - - - - - - - - - Substandard - - 2 - - - - - 2 Total other 2,892 3,102 503 166 57 122 7,734 - 14,576 Total loans Pass 946,621 873,420 442,402 196,825 193,016 264,572 686,455 628 3,603,939 Special Mention 16,812 13,796 59,754 38,693 244 4,217 18,149 - 151,665 Substandard 10,597 22,582 4,683 55,763 1,014 9,939 9,152 - 113,730 Total loans $ 974,030 $ 909,798 $ 506,839 $ 291,281 $ 194,274 $ 278,728 $ 713,756 $ 628 $ 3,869,334 Credit quality indicators by loan segment and loan origination date at December 31, 2021, were as follows: 2021 2020 2019 2018 2017 Prior Revolving Loans Revolving Loans Converted To Term Loans Total Commercial Pass $ 192,258 $ 50,638 $ 38,614 $ 28,177 $ 5,176 $ 10,945 $ 408,394 $ 30 $ 734,232 Special Mention 44 84 694 - - - 3,708 - 4,530 Substandard 9,498 4,048 14,121 326 - 75 4,644 - 32,712 Total commercial 201,800 54,770 53,429 28,503 5,176 11,020 416,746 30 771,474 Leases Pass 83,402 44,129 32,259 8,950 1,170 2,367 - - 172,277 Special Mention - - - - - - - - - Substandard - - 2,834 623 - 297 - - 3,754 Total leases 83,402 44,129 35,093 9,573 1,170 2,664 - - 176,031 Commercial real estate – investor Pass 245,346 175,218 118,697 85,049 64,810 55,523 18,602 - 763,245 Special Mention 15,466 - 10,550 - - - - - 26,016 Substandard 2,238 2,378 451 181 3,612 1,807 - - 10,667 Total commercial real estate – investor 263,050 177,596 129,698 85,230 68,422 57,330 18,602 - 799,928 Commercial real estate – owner occupied Pass 290,225 155,353 90,325 60,915 54,236 59,887 2,522 - 713,463 Special Mention - - 2,953 - - - - - 2,953 Substandard 8,318 942 1,686 - 1,251 3,232 - - 15,429 Total commercial real estate – owner occupied 298,543 156,295 94,964 60,915 55,487 63,119 2,522 - 731,845 Construction Pass 88,620 65,629 37,169 2,727 477 1,193 1,143 - 196,958 Special Mention - 2,138 4,932 - - - - - 7,070 Substandard 160 - - 1,944 - - - - 2,104 Total construction 88,780 67,767 42,101 4,671 477 1,193 1,143 - 206,132 Residential real estate – investor Pass 13,371 9,758 13,084 6,392 7,059 10,602 1,868 - 62,134 Special Mention - - - - - - - - - Substandard 121 144 - 197 385 418 - - 1,265 Total residential real estate – investor 13,492 9,902 13,084 6,589 7,444 11,020 1,868 - 63,399 Residential real estate – owner occupied Pass 48,009 31,912 20,990 13,304 30,562 60,661 2,052 - 207,490 Special Mention 659 - - - - - - - 659 Substandard 322 183 6 1,219 176 3,193 - - 5,099 Total residential real estate – owner occupied 48,990 32,095 20,996 14,523 30,738 63,854 2,052 - 213,248 Multifamily Pass 109,175 71,748 39,293 61,190 11,399 7,117 64 - 299,986 Special Mention - - 6,900 - - - - - 6,900 Substandard 433 - - 1,543 302 - - - 2,278 Total multifamily 109,608 71,748 46,193 62,733 11,701 7,117 64 - 309,164 HELOC Pass 907 2,091 2,131 805 1,667 12,315 104,843 - 124,759 Special Mention - - - - - - 108 - 108 Substandard - - - 17 12 376 1,018 - 1,423 Total HELOC 907 2,091 2,131 822 1,679 12,691 105,969 - 126,290 Other Pass 8,659 1,099 437 254 1,414 4,214 7,206 - - 23,283 Special Mention - - - - - - - - - Substandard - 3 - 7 - - - - 10 Total other 8,659 1,102 437 261 1,414 4,214 7,206 - 23,293 Total loans Pass 1,079,972 607,575 392,999 267,763 177,970 224,824 546,694 30 3,297,827 Special Mention 16,169 2,222 26,029 - - - 3,816 - 48,236 Substandard 21,090 7,698 19,098 6,057 5,738 9,398 5,662 - 74,741 Total loans $ 1,117,231 $ 617,495 $ 438,126 $ 273,820 $ 183,708 $ 234,222 $ 556,172 $ 30 $ 3,420,804

Other Real Estate Owned (Tables

Other Real Estate Owned (Tables)	9 Months Ended
Other Real Estate Owned (Tables)	Sep. 30, 2022
Other Real Estate Owned
Schedule of activity in the other real estate owned (OREO) portfolio, net of valuation reserve	Three Months Ended Nine Months Ended September 30, September 30, Other real estate owned 2022 2021 2022 2021 Balance at beginning of period $ 1,624 $ 1,877 $ 2,356 $ 2,474 Property additions, net of acquisition adjustments - 70 87 70 Less: Proceeds from property disposals, net of participation purchase and of gains/losses 63 37 778 567 Period valuation (write-up)/write-down - (2) 104 65 Balance at end of period $ 1,561 $ 1,912 $ 1,561 $ 1,912
Schedule of activity in valuation allowance	Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Balance at beginning of period $ 920 $ 1,296 $ 1,179 $ 1,643 (Release of) provision for unrealized losses - (2) 104 65 Reductions taken on sales (64) (129) (427) (543) Balance at end of period $ 856 $ 1,165 $ 856 $ 1,165
Schedule of expenses related to foreclosed assets, net of lease revenue	Three Months Ended Nine Months Ended September 30, September 30, 2022 2021 2022 2021 Gain on sales, net $ (33) $ (5) $ (163) $ (40) (Release of) provision for unrealized losses - (2) 104 65 Operating expenses 58 32 159 117 Less: Lease revenue 4 - 4 4 Net OREO expense $ 21 $ 25 $ 96 $ 138

Deposits (Tables)

Deposits (Tables)	9 Months Ended
Deposits (Tables)	Sep. 30, 2022
Deposits
Schedule of major classifications of deposits	September 30, 2022 December 31, 2021 Noninterest bearing demand $ 2,098,144 $ 2,093,494 Savings 1,164,036 1,178,575 NOW accounts 630,747 587,381 Money market accounts 931,813 1,102,972 Certificates of deposit of less than $100,000 258,071 296,298 Certificates of deposit of $100,000 through $250,000 148,411 138,794 Certificates of deposit of more than $250,000 50,137 68,718 Total deposits $ 5,281,359 $ 5,466,232

Borrowings (Tables)

Borrowings (Tables)	9 Months Ended
Borrowings (Tables)	Sep. 30, 2022
Borrowings
Summary of borrowings and junior subordinated debentures	September 30, 2022 December 31, 2021 Securities sold under repurchase agreements $ 35,497 $ 50,337 Other short-term borrowings 25,000 - Junior subordinated debentures 25,773 25,773 Subordinated debentures 59,275 59,212 Senior notes 44,559 44,480 Notes payable and other borrowings 10,000 19,074 Total borrowings $ 200,104 $ 198,876

Equity Compensation Plans (Tabl

Equity Compensation Plans (Tables)	9 Months Ended
Equity Compensation Plans (Tables)	Sep. 30, 2022
Equity Compensation Plans
Summary of changes in nonvested shares of restricted share rights	September 30, 2022 Weighted Restricted Average Stock Shares Grant Date and Units Fair Value Unvested at January 1 540,306 $ 12.04 Granted 268,160 14.25 Vested (143,437) 12.75 Forfeited (17,144) 12.49 Unvested at September 30 647,885 $ 12.79

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2022
Earnings Per Share
Schedule of Earnings Per Share	Three Months Ended September 30, Nine Months Ended September 30, 2022 2021 2022 2021 Basic earnings per share: Weighted-average common shares outstanding 44,565,626 28,707,737 44,509,072 28,925,612 Net income $ 19,523 $ 8,412 $ 43,790 $ 29,111 Basic earnings per share $ 0.43 $ 0.30 $ 0.98 $ 1.01 Diluted earnings per share: Weighted-average common shares outstanding 44,565,626 28,707,737 44,509,072 28,925,612 Dilutive effect of unvested restricted awards 1 655,915 522,543 698,920 533,194 Diluted average common shares outstanding 45,221,541 29,230,280 45,207,992 29,458,806 Net Income $ 19,523 $ 8,412 $ 43,790 $ 29,111 Diluted earnings per share $ 0.43 $ 0.29 $ 0.97 $ 0.99 1 Includes the common stock equivalents for restricted share rights that are dilutive.

Regulatory & Capital Matters (T

Regulatory & Capital Matters (Tables)	9 Months Ended
Regulatory & Capital Matters (Tables)	Sep. 30, 2022
Regulatory & Capital Matters
Schedule of capital levels and industry defined regulatory minimum required levels	Minimum Capital Well Capitalized Adequacy with Capital Under Prompt Corrective Actual Conservation Buffer, if applicable 1 Action Provisions 2 Amount Ratio Amount Ratio Amount Ratio September 30, 2022 Common equity tier 1 capital to risk weighted assets Consolidated $ 434,155 9.16 % $ 331,778 7.00 % N/A N/A Old Second Bank 550,635 11.60 332,280 7.00 $ 308,545 6.50 % Total capital to risk weighted assets Consolidated 568,429 11.99 497,790 10.50 N/A N/A Old Second Bank 599,909 12.64 498,342 10.50 474,612 10.00 Tier 1 capital to risk weighted assets Consolidated 459,155 9.68 403,184 8.50 N/A N/A Old Second Bank 550,635 11.60 403,483 8.50 379,748 8.00 Tier 1 capital to average assets Consolidated 459,155 7.70 238,522 4.00 N/A N/A Old Second Bank 550,635 9.24 238,370 4.00 297,963 5.00 December 31, 2021 Common equity tier 1 capital to risk weighted assets Consolidated $ 394,421 9.46 % $ 291,855 7.00 % N/A N/A Old Second Bank 514,992 12.41 290,487 7.00 $ 269,738 6.50 % Total capital to risk weighted assets Consolidated 522,932 12.55 437,513 10.50 N/A N/A Old Second Bank 558,503 13.46 435,682 10.50 414,935 10.00 Tier 1 capital to risk weighted assets Consolidated 419,421 10.06 354,382 8.50 N/A N/A Old Second Bank 514,992 12.41 352,734 8.50 331,985 8.00 Tier 1 capital to average assets Consolidated 419,421 7.81 214,812 4.00 N/A N/A Old Second Bank 514,992 9.58 215,028 4.00 268,785 5.00 1 Amounts are shown inclusive of a capital conservation buffer of 2.50%. 2 The prompt corrective action provisions are only applicable at the Bank level. The Bank exceeded the general minimum regulatory requirements to be considered “well capitalized.”

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2022
Fair Value Measurements
Schedule of balance of assets and liabilities which are measured at fair value on a recurring basis	September 30, 2022 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 211,097 $ - $ - $ 211,097 U.S. government agencies - 55,963 - 55,963 U.S. government agencies mortgage-backed - 127,626 - 127,626 States and political subdivisions - 210,950 13,309 224,259 Corporate bonds - 9,544 - 9,544 Collateralized mortgage obligations - 587,846 - 587,846 Asset-backed securities - 219,587 - 219,587 Collateralized loan obligations - 173,837 - 173,837 Loans held-for-sale - 1,297 - 1,297 Mortgage servicing rights - - 11,461 11,461 Interest rate swap agreements, including risk participation agreement - 6,624 - 6,624 Mortgage banking derivatives - 188 - 188 Total $ 211,097 $ 1,393,462 $ 24,770 $ 1,629,329 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 12,278 $ - $ 12,278 Total $ - $ 12,278 $ - $ 12,278 December 31, 2021 Level 1 Level 2 Level 3 Total Assets: Securities available-for-sale U.S. Treasury $ 202,339 $ - $ - $ 202,339 U.S. government agencies - 61,888 - 61,888 U.S. government agencies mortgage-backed - 172,302 - 172,302 States and political subdivisions - 242,373 15,236 257,609 Corporate bonds - 9,887 - 9,887 Collateralized mortgage obligations - 672,967 - 672,967 Asset-backed securities - 236,877 - 236,877 Collateralized loan obligations - 79,763 - 79,763 Loans held-for-sale - 4,737 - 4,737 Mortgage servicing rights - - 7,097 7,097 Interest rate swap agreements - 3,494 - 3,494 Mortgage banking derivatives - 508 - 508 Total $ 202,339 $ 1,484,796 $ 22,333 $ 1,709,468 Liabilities: Interest rate swap agreements, including risk participation agreements $ - $ 6,809 $ - $ 6,809 Total $ - $ 6,809 $ - $ 6,809
Schedule of changes in Level 3 assets and liabilities measured at fair value on a recurring basis	Nine Months Ended September 30, 2022 Securities available-for-sale States and Mortgage Political Servicing Subdivisions Rights Beginning balance January 1, 2022 $ 15,236 $ 7,097 Total gains or losses Included in earnings (98) 4,384 Included in other comprehensive loss (1,333) - Purchases, issuances, sales, and settlements Purchases - - Issuances 519 756 Settlements (1,015) (776) Ending balance September 30, 2022 $ 13,309 $ 11,461 Nine Months Ended September 30, 2021 Securities available-for-sale States and Mortgage Political Servicing Subdivisions Rights Beginning balance January 1, 2021 $ 4,319 $ 4,224 Total gains or losses Included in earnings (7) 840 Included in other comprehensive income 812 - Purchases, issuances, sales, and settlements Purchases 748 - Issuances - 1,298 Settlements (312) (1,042) Ending balance September 30, 2021 $ 5,560 $ 5,320
Schedule of quantitative information about level 3 fair value measurements	The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of September 30, 2022: Weighted Measured at fair value Significant Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs States and political subdivisions $ 13,309 Discounted Cash Flow Discount Rate 2.9 - 5.4% 4.8 % Liquidity Premium 0.4 - 1.3% 0.5 % Mortgage servicing rights $ 11,461 Discounted Cash Flow Discount Rate 9.0 - 11.0% 9.0 % Prepayment Speed 0.0 - 12.8% 6.1 % The following table and commentary presents quantitative and qualitative information about Level 3 fair value measurements as of December 31, 2021: Weighted Measured at fair value Significant Unobservable Average on a recurring basis: Fair Value Valuation Methodology Inputs Range of Input of Inputs States and political subdivisions $ 15,236 Discounted Cash Flow Discount Rate 0.6 - 3.5% 2.8 % Liquidity Premium 0.3 - 2.4% 0.6 % Mortgage servicing rights $ 7,097 Discounted Cash Flow Discount Rate 11.0 - 15.0% 11.0 % Prepayment Speed 0.0 - 36.6% 11.9 %
Schedule of assets measured at fair value on a nonrecurring basis	September 30, 2022 Level 1 Level 2 Level 3 Total Individually evaluated loans 1 $ - $ - $ 51,354 $ 51,354 Other real estate owned, net 2 - - 1,561 1,561 Total $ - $ - $ 52,915 $ 52,915 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans, which had a carrying amount of $68.1 million and a valuation allowance of $16.7 million resulting in an increase of specific allocations within the allowance for credit losses on loans of $11.3 million for the nine months ended September 30, 2022. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $1.6 million at September 30, 2022, which is made up of the outstanding balance of $2.5 million, net of a purchase accounting adjustment of $131,000 and a valuation allowance of $856,000 . December 31, 2021 Level 1 Level 2 Level 3 Total Individually evaluated loans 1 $ - $ - $ 13,138 $ 13,138 Other real estate owned, net 2 - - 2,356 2,356 Total $ - $ - $ 15,494 $ 15,494 1 Represents carrying value and related write-downs of loans for which adjustments are substantially based on the appraised value of collateral for collateral-dependent loans, which had a carrying amount of $18.5 million and a valuation allowance of $5.4 million resulting in an increase of specific allocations within the allowance for credit losses on loans of $2.7 million for the year December 31, 2021. 2 OREO is measured at fair value, less costs to sell, and had a net carrying amount of $2.4 million at December 31, 2021, which is made up of the outstanding balance of $3.7 million, net of a purchase accounting adjustment of $131,000 and a valuation allowance of $1.2 million.

Fair Values of Financial Inst_2

Fair Values of Financial Instruments (Tables)	9 Months Ended
Fair Values of Financial Instruments (Tables)	Sep. 30, 2022
Fair Values of Financial Instruments
Schedule of carrying amount and estimated fair values of financial instruments	September 30, 2022 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 64,903 $ 64,903 $ 64,903 $ - $ - Interest earning deposits with financial institutions 51,251 51,251 51,251 - - Securities available-for-sale 1,609,759 1,609,759 211,097 1,385,353 13,309 FHLBC and FRBC stock 19,413 19,413 - 19,413 - Loans held-for-sale 1,297 1,297 - 1,297 - Net loans 3,820,487 3,694,682 - - 3,694,682 Mortgage servicing rights 11,461 11,461 - - 11,461 Interest rate swap agreements 6,602 6,602 - 6,602 - Interest rate lock commitments and forward contracts 188 188 - 188 - Interest receivable on securities and loans 20,133 20,133 - 20,133 - Financial liabilities: Noninterest bearing deposits $ 2,098,144 $ 2,098,144 $ 2,098,144 $ - $ - Interest bearing deposits 3,183,215 3,166,428 - 3,166,428 - Securities sold under repurchase agreements 35,497 35,497 - 35,497 - Other short-term borrowings 25,000 25,000 - 25,000 - Junior subordinated debentures 25,773 21,650 - 21,650 - Subordinated debentures 59,275 51,985 - 51,985 - Senior notes 44,559 44,469 44,469 - - Note payable and other borrowings 10,000 9,970 - 9,970 - Interest rate swap agreements 12,277 12,277 - 12,277 - Interest payable on deposits and borrowings 2,067 2,067 - 2,067 - December 31, 2021 Carrying Fair Amount Value Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 38,565 $ 38,565 $ 38,565 $ - $ - Interest earning deposits with financial institutions 713,542 713,542 713,542 - - Securities available-for-sale 1,693,632 1,693,632 202,339 1,476,057 15,236 FHLBC and FRBC stock 13,257 13,257 - 13,257 - Loans held-for-sale 4,737 4,737 - 4,737 - Net loans 3,376,523 3,407,596 - - 3,407,596 Mortgage servicing rights 7,097 7,097 - - 7,097 Interest rate swap agreements 3,494 3,494 - 3,494 - Interest rate lock commitments and forward contracts 508 508 - 508 - Interest receivable on securities and loans 13,431 13,431 - 13,431 - Financial liabilities: Noninterest bearing deposits $ 2,093,494 $ 2,093,494 $ 2,093,494 $ - $ - Interest bearing deposits 3,372,738 3,375,930 - 3,375,930 - Securities sold under repurchase agreements 50,377 50,377 - 50,377 - Junior subordinated debentures 25,773 18,557 - 18,557 - Subordinated debentures 59,212 60,111 - 60,111 - Senior notes 44,480 44,480 44,480 - - Note payable and other borrowings 19,074 19,411 - 19,411 - Interest rate swap agreements 6,788 6,788 - 6,788 - Interest payable on deposits and borrowings 1,706 1,706 - 1,706 -

Derivatives, Hedging Activiti_2

Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk (Tables)	9 Months Ended
	Sep. 30, 2022
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Schedule of fair value of derivative financial instruments as well as their classification on the Balance Sheet	September 30, 2022 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swap agreements 4 275,774 Other Assets 2,687 Other Liabilities 8,362 Total derivatives designated as hedging instruments 2,687 8,362 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 22 114,511 Other Assets 3,915 Other Liabilities 3,915 Interest rate lock commitments and forward contracts 58 15,552 Other Assets 188 Other Liabilities - Other contracts 3 28,526 Other Assets 22 Other Liabilities 1 Total derivatives not designated as hedging instruments 4,125 3,916 December 31, 2021 No. of Trans. Notional Amount $ Balance Sheet Location Fair Value $ Balance Sheet Location Fair Value $ Derivatives designated as hedging instruments Interest rate swap agreements 2 75,774 Other Assets 808 Other Liabilities 4,102 Total derivatives designated as hedging instruments 808 4,102 Derivatives not designated as hedging instruments Interest rate swaps with commercial loan customers 26 165,005 Other Assets 2,686 Other Liabilities 2,686 Interest rate lock commitments and forward contracts 87 34,414 Other Assets 508 Other Liabilities - Other contracts 3 17,173 Other Assets - Other Liabilities 21 Total derivatives not designated as hedging instruments 3,194 2,707
Schedule of financial instrument commitments	September 30, 2022 December 31, 2021 Fixed Variable Total Fixed Variable Total Letters of credit: Borrower: Financial standby $ 3,424 $ 15,000 $ 18,424 $ 384 $ 17,474 $ 17,858 Commercial standby - - - - - - Performance standby 3,947 10,799 14,746 456 14,907 15,363 7,371 25,799 33,170 840 32,381 33,221 Non-borrower: Performance standby - 67 67 - 67 67 Total letters of credit $ 7,371 $ 25,866 $ 33,237 $ 840 $ 32,448 $ 33,288 Unused loan commitments: $ 197,499 $ 779,515 $ 977,014 $ 84,225 $ 895,665 $ 979,890

Basis of Presentation and Cha_3

Basis of Presentation and Changes in Significant Accounting Policies (Details) - Subsequent Event $ / shares in Units, $ in Millions	Oct. 18, 2022 USD ($) $ / shares
Subsequent Events
Cash dividend declared (per share) \| $ / shares	$ 0.05
Dividends paid \| $	$ 2.2

Acquisition (Details)

Acquisition (Details) - USD ($)		3 Months Ended	9 Months Ended	12 Months Ended
Acquisition (Details) - USD ($)	Dec. 01, 2021	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Liabilities assumed:
Goodwill		$ 86,478,000	$ 86,478,000	$ 86,332,000
West Suburban Bancorp, Inc
Assets acquired:
Cash and due from banks	$ 16,794,000
Interest bearing deposits with financial institutions	232,880,000
Securities available-for-sale and held-to maturity, at fair value	1,067,517,000
FHLBC stock	3,340,000
Loans, net of allowance for credit losses Day One PCD loan adjustment	1,500,974,000
Premises and equipment	47,456,000
Other real estate owned	5,552,000
Core deposit intangible	14,772,000
Deferred tax assets, net	5,819,000
Other assets	48,838,000
Total assets	2,943,942,000
Liabilities assumed:
Noninterest bearing demand	1,070,980,000
Savings, NOW and money market	1,408,051,000
Time	215,205,000
Total deposits	2,694,236,000
Reserve for unfunded commitments	1,787,000
Other liabilities	20,629,000
Total liabilities	2,716,652,000
Cash consideration paid	100,679,000
Stock issued for acquisition	194,484,000
Total Liabilities Assumed and Cash Consideration Paid for Acquisition	3,011,815,000
Goodwill	$ 67,873,000
Shares issued or issuable	42.413
Cash consideration for each share	$ 271.15
Merger consideration	$ 295,200,000
Common stock shares issued	15,700,000
Increase decrease in deferred tax assets		3,700,000
Decrease in current taxes receivable		3,900,000
Increase to goodwill		146,000
Expenses related to acquisition		$ 650,000,000,000	$ 9,500,000	$ 13,200,000

Acquisition - Purchase Price of

Acquisition - Purchase Price of PCD Loans (Details) - West Suburban Bancorp, Inc $ in Thousands	Dec. 01, 2021 USD ($)
Business Acquisition [Line Items]
Purchase price of PCD loans at acquisition	$ 1,500,974
PCD
Business Acquisition [Line Items]
Par value of acquired loans	108,241
Allowance for credit losses	(12,075)
Non-credit discount	(1,723)
Purchase price of PCD loans at acquisition	$ 94,443

Acquisition - Carrying Value of

Acquisition - Carrying Value of Acquired Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Business Acquisition [Line Items]
Book value of loans acquired	$ 1,311,669	$ 1,635,802
Accretion recorded on acquired loans year to date	4,903	966
Accretion recorded on acquired unfunded commitments year to date	670	74
West Suburban Bancorp, Inc
Business Acquisition [Line Items]
Book value of loans acquired	1,249,425	1,521,161
Abc Bank
Business Acquisition [Line Items]
Book value of loans acquired	46,196	68,783
Talmer Bank
Business Acquisition [Line Items]
Book value of loans acquired	16,048	45,858
PCD
Business Acquisition [Line Items]
Book value of loans acquired	79,662	106,956
Accretion recorded on acquired loans year to date	782	401
PCD \| West Suburban Bancorp, Inc
Business Acquisition [Line Items]
Book value of loans acquired	77,548	102,409
PCD \| Abc Bank
Business Acquisition [Line Items]
Book value of loans acquired	2,114	4,547
Non-PCD
Business Acquisition [Line Items]
Book value of loans acquired	1,232,007	1,528,846
Accretion recorded on acquired loans year to date	4,121	565
Non-PCD \| West Suburban Bancorp, Inc
Business Acquisition [Line Items]
Book value of loans acquired	1,171,877	1,418,752
Non-PCD \| Abc Bank
Business Acquisition [Line Items]
Book value of loans acquired	44,082	64,236
Non-PCD \| Talmer Bank
Business Acquisition [Line Items]
Book value of loans acquired	$ 16,048	$ 45,858

Securities - Amortized Cost and

Securities - Amortized Cost and Fair Value (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($) item	Dec. 31, 2021 USD ($)
Securities Available-for-Sale
Amortized Cost	$ 1,740,730	$ 1,678,160
Gross Unrealized Gains	29	20,587
Gross Unrealized Losses	(131,000)	(5,115)
Securities available-for-sale	1,609,759	1,693,632
Accrued interest receivable	6,300	4,300
FHLB and FRB Stock
FHLBC stock	4,500	7,100
FRBC stock	14,900	6,200
Securities pledged to secure deposits and for other purposes	578,500	501,300
Other disclosures
Securities available-for-sale	1,609,759	1,693,632
Total added credit enhancement in the form of overcollaterization and/or subordination of outstanding principal	$ 20,300
Percentage of total added credit enhancement in the form of overcollaterization and/or subordination of outstanding principal	9.29
Number of securities issued from originators \| item	0
Minimum percentage of securities investment	10%
Reimbursement requests greater than 5 %
Other disclosures
Percentage of outstanding principal amount of loans guaranteed by US Department of Education	85
Percent of insured loan	5
Reimbursement requests greater than 9 %
Other disclosures
Percentage of outstanding principal amount of loans guaranteed by US Department of Education	75
Percent of insured loan	9
U.S. Treasury
Securities Available-for-Sale
Amortized Cost	$ 223,910	202,251
Gross Unrealized Gains		125
Gross Unrealized Losses	(12,813)	(37)
Securities available-for-sale	211,097	202,339
Other disclosures
Securities available-for-sale	211,097	202,339
U.S. government agencies
Securities Available-for-Sale
Amortized Cost	61,364	62,587
Gross Unrealized Losses	(5,401)	(699)
Securities available-for-sale	55,963	61,888
Other disclosures
Securities available-for-sale	55,963	61,888
U.S. government agencies mortgage-backed
Securities Available-for-Sale
Amortized Cost	145,857	172,016
Gross Unrealized Gains		856
Gross Unrealized Losses	(18,231)	(570)
Securities available-for-sale	127,626	172,302
Other disclosures
Securities available-for-sale	127,626	172,302
States and political subdivisions
Securities Available-for-Sale
Amortized Cost	243,515	241,937
Gross Unrealized Gains	1	16,344
Gross Unrealized Losses	(19,257)	(672)
Securities available-for-sale	224,259	257,609
Other disclosures
Securities available-for-sale	224,259	257,609
Corporate bonds
Securities Available-for-Sale
Amortized Cost	10,000	10,000
Gross Unrealized Losses	(456)	(113)
Securities available-for-sale	9,544	9,887
Other disclosures
Securities available-for-sale	9,544	9,887
Collateralized mortgage obligations
Securities Available-for-Sale
Amortized Cost	648,044	673,238
Gross Unrealized Gains	5	2,014
Gross Unrealized Losses	(60,203)	(2,285)
Securities available-for-sale	587,846	672,967
Other disclosures
Securities available-for-sale	587,846	672,967
Asset-backed Securities
Securities Available-for-Sale
Amortized Cost	227,130	236,293
Gross Unrealized Gains	23	1,245
Gross Unrealized Losses	(7,566)	(661)
Securities available-for-sale	219,587	236,877
Other disclosures
Securities available-for-sale	219,587	236,877
FFEL
Securities Available-for-Sale
Securities available-for-sale	167,000
Other disclosures
Securities available-for-sale	$ 167,000
Percentage of outstanding principal amount of loans guaranteed by US Department of Education	97
Collateralized loan obligations.
Securities Available-for-Sale
Amortized Cost	$ 180,910	79,838
Gross Unrealized Gains		3
Gross Unrealized Losses	(7,073)	(78)
Securities available-for-sale	173,837	79,763
Other disclosures
Securities available-for-sale	$ 173,837	$ 79,763

Securities - Contractual Maturi

Securities - Contractual Maturities (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Securities Available-for-Sale, Amortized Cost
Due in one year or less	$ 8,816
Due after one year through five years	303,411
Due after five years through ten years	44,313
Due after ten years	182,249
Debt securities excluding securities not due at a single maturity date	538,789
Total	$ 1,740,730	$ 1,678,160
Securities Available-for-Sale, Weighted Average Yield
Due in one year or less (as a percent)	1.10%
Due after one year through five years (as a percent)	1.05%
Due after five years through ten years (as a percent)	2.63%
Due after ten years (as a percent)	3.02%
Debt securities (as a percent)	1.85%
Total (as a percent)	2.51%
Securities Available-for-Sale, Fair Value
Due in one year or less	$ 8,617
Due after one year through five years	284,480
Due after five years through ten years	39,593
Due after ten years	168,173
Debt securities	500,863
Debt Securities, Available-for-sale, Total	1,609,759	1,693,632
Collateralized mortgage obligations
Securities Available-for-Sale, Amortized Cost
Total	648,044	673,238
Securities Available-for-Sale, Fair Value
Debt Securities, Available-for-sale, Total	587,846	672,967
Asset-backed Securities
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	227,130
Total	$ 227,130	236,293
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	3.39%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 219,587
Debt Securities, Available-for-sale, Total	219,587	236,877
Collateralized loan obligations.
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	180,910
Total	$ 180,910	79,838
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	4.64%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 173,837
Debt Securities, Available-for-sale, Total	173,837	$ 79,763
Mortgage-backed and collateralized mortgage obligations
Securities Available-for-Sale, Amortized Cost
Securities not due at a single maturity date	$ 793,901
Securities Available-for-Sale, Weighted Average Yield
Securities not due at a single maturity date, Weighted Average Yield (as a percent)	2.22%
Securities Available-for-Sale, Fair Value
Securities not due at a single maturity date	$ 715,472

Securities - Unrealized Loss Po

Securities - Unrealized Loss Positions (Details)	3 Months Ended
Securities - Unrealized Loss Positions (Details)	Sep. 30, 2022 USD ($) security	Dec. 31, 2021 USD ($) security
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	488	241
Greater than 12 months in an unrealized loss position \| security	46	11
Total	534	252
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 110,847,000	$ 4,230,000
Greater than 12 months in an unrealized loss position	20,153,000	885,000
Total	131,000,000	5,115,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	1,421,936,000	734,235,000
Greater than 12 months in an unrealized loss position	170,586,000	24,626,000
Total	1,592,522,000	$ 758,861,000
Credit losses were determined	0
Provision for credit losses on securities	$ 0
U.S. Treasury
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	5	1
Total	5	1
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 12,813,000	$ 37,000
Total	12,813,000	37,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	211,097,000	49,719,000
Total	$ 211,097,000	$ 49,719,000
U.S. government agencies
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	2	5
Greater than 12 months in an unrealized loss position \| security	7	4
Total	9	9
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 1,987,000	$ 592,000
Greater than 12 months in an unrealized loss position	3,414,000	107,000
Total	5,401,000	699,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	27,188,000	56,879,000
Greater than 12 months in an unrealized loss position	28,775,000	5,008,000
Total	$ 55,963,000	$ 61,887,000
Mortgage Backed Securities, Issued by US Government Agencies
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	126	63
Greater than 12 months in an unrealized loss position \| security	6	1
Total	132	64
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 16,766,000	$ 505,000
Greater than 12 months in an unrealized loss position	1,465,000	65,000
Total	18,231,000	570,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	122,905,000	78,711,000
Greater than 12 months in an unrealized loss position	4,721,000	1,663,000
Total	$ 127,626,000	$ 80,374,000
States and political subdivisions
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	79	7
Greater than 12 months in an unrealized loss position \| security	3	1
Total	82	8
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 18,155,000	$ 55,000
Greater than 12 months in an unrealized loss position	1,102,000	617,000
Total	19,257,000	672,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	219,497,000	8,430,000
Greater than 12 months in an unrealized loss position	4,510,000	4,051,000
Total	$ 224,007,000	$ 12,481,000
Corporate bonds
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	1	2
Greater than 12 months in an unrealized loss position \| security	1
Total	2	2
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 286,000	$ 113,000
Greater than 12 months in an unrealized loss position	170,000
Total	456,000	113,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	4,715,000	9,887,000
Greater than 12 months in an unrealized loss position	4,829,000
Total	$ 9,544,000	$ 9,887,000
Collateralized mortgage obligations
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	205	133
Greater than 12 months in an unrealized loss position \| security	15
Total	220	133
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 48,552,000	$ 2,285,000
Greater than 12 months in an unrealized loss position	11,651,000
Total	60,203,000	2,285,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	505,601,000	381,658,000
Greater than 12 months in an unrealized loss position	77,102,000
Total	$ 582,703,000	$ 381,658,000
Asset-backed Securities
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	44	20
Greater than 12 months in an unrealized loss position \| security	6	3
Total	50	23
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 6,553,000	$ 608,000
Greater than 12 months in an unrealized loss position	1,013,000	53,000
Total	7,566,000	661,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	196,221,000	103,819,000
Greater than 12 months in an unrealized loss position	11,524,000	3,276,000
Total	$ 207,745,000	$ 107,095,000
Collateralized loan obligations.
Securities Available-for-Sale, Number of Securities
Less than 12 months in an unrealized loss position \| security	26	10
Greater than 12 months in an unrealized loss position \| security	8	2
Total	34	12
Securities Available-for-Sale, Unrealized Losses
Less than 12 months in an unrealized loss position	$ 5,735,000	$ 35,000
Greater than 12 months in an unrealized loss position	1,338,000	43,000
Total	7,073,000	78,000
Securities Available-for-Sale, Fair Value
Less than 12 months in an unrealized loss position	134,712,000	45,132,000
Greater than 12 months in an unrealized loss position	39,125,000	10,628,000
Total	$ 173,837,000	$ 55,760,000

Securities - Realized Gain (Los

Securities - Realized Gain (Loss) (Details) - USD ($)	3 Months Ended		9 Months Ended
Securities - Realized Gain (Loss) (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Securities
Proceeds from sales of securities		$ 26,873,000	$ 3,303,000	$ 35,075,000
Gross realized gains on securities		262,000		267,000
Gross realized losses on securities	$ (1,000)	(18,000)	(34,000)	(21,000)
Net realized (losses) gains	(1,000)	244,000	(34,000)	246,000
Income tax benefit (expense) on net realized (losses) gains	$ 1,000	$ (69,000)	$ 10,000	$ (70,000)
Effective tax rate applied (as a percent)		28.30%	29.40%	28.50%
Proceeds from the call of available for sale investment securities			$ 7,500,000

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses on Loans - Major Classifications (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Loans
Total Loans	$ 3,869,334	$ 3,420,804
Allowance for credit losses	(48,847)	(44,281)
Net loans	3,820,487	3,376,523
Loans and leases receivable, accrued interest receivable	13,700	9,200
Paycheck Protection Program (PPP)
Loans
Total Loans	2,400	38,400
Commercial
Loans
Total Loans	888,081	771,474
Leases
Loans
Total Loans	251,603	176,031
Commercial real estate - Investor
Loans
Total Loans	941,910	799,928
Commercial real estate - Owner occupied
Loans
Total Loans	876,951	731,845
Construction
Loans
Total Loans	176,700	206,132
Residential real estate - Investor
Loans
Total Loans	59,580	63,399
Residential real estate - Owner occupied
Loans
Total Loans	220,969	213,248
Multifamily
Loans
Total loans, excluding deferred loan costs and PCI loans	322,856	309,164
Total Loans	322,856	309,164
HELOC
Loans
Total Loans	116,108	126,290
Other 2
Loans
Total Loans	$ 14,576	$ 23,293

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses on Loans - Major Classifications - Loan Concentrations (Details)	9 Months Ended	12 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Real estate \| Loan receivables \| Customer Concentration Risk
Loans
Loans receivable as a percentage of total portfolio	70.20%	71.60%

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses on Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Allowance for loan losses:
Beginning Balance	$ 45,388	$ 28,639	$ 44,281	$ 33,855
(Release of) Provision for Credit Losses	3,527	(1,453)	5,177	(7,186)
Charge-offs	484	369	1,384	712
Recoveries	416	132	773	992
Ending Balance	48,847	26,949	48,847	26,949
Allowance for credit loss unfunded commitment, purchase accounting adjustment	1,000		1,000
Commercial
Allowance for loan losses:
Beginning Balance	14,114	2,601	11,751	2,812
(Release of) Provision for Credit Losses	(919)	82	1,488	43
Charge-offs	67	23	149	232
Recoveries	47	25	85	62
Ending Balance	13,175	2,685	13,175	2,685
Leases
Allowance for loan losses:
Beginning Balance	1,736	3,388	3,480	3,888
(Release of) Provision for Credit Losses	(24)	(41)	(1,768)	(513)
Charge-offs	178	4	178	32
Ending Balance	1,534	3,343	1,534	3,343
Commercial real estate - Investor
Allowance for loan losses:
Beginning Balance	9,436	9,003	10,795	7,899
(Release of) Provision for Credit Losses	256	(799)	(664)	265
Charge-offs	124	101	604	101
Recoveries	19	18	60	58
Ending Balance	9,587	8,121	9,587	8,121
Commercial real estate - Owner occupied
Allowance for loan losses:
Beginning Balance	11,478	2,520	4,913	3,557
(Release of) Provision for Credit Losses	3,618	8	10,289	(1,213)
Charge-offs	12	5	133	39
Recoveries	87	7	102	225
Ending Balance	15,171	2,530	15,171	2,530
Real estate - construction
Allowance for loan losses:
Beginning Balance	1,535	3,048	3,373	4,054
(Release of) Provision for Credit Losses	9	(175)	(1,829)	(1,181)
Ending Balance	1,544	2,873	1,544	2,873
Residential real estate - Investor
Allowance for loan losses:
Beginning Balance	661	975	760	1,740
(Release of) Provision for Credit Losses	147	(287)	33	(1,328)
Recoveries	8	7	23	283
Ending Balance	816	695	816	695
Residential real estate - Owner occupied
Allowance for loan losses:
Beginning Balance	1,869	1,866	2,832	2,714
(Release of) Provision for Credit Losses	149	(116)	(919)	(1,074)
Recoveries	113	18	218	128
Ending Balance	2,131	1,768	2,131	1,768
Multifamily
Allowance for loan losses:
Beginning Balance	2,434	3,266	3,675	3,625
(Release of) Provision for Credit Losses	33	(121)	(1,208)	(480)
Charge-offs		183		183
Recoveries	63		63
Ending Balance	2,530	2,962	2,530	2,962
HELOC
Allowance for loan losses:
Beginning Balance	1,542	1,833	2,510	1,948
(Release of) Provision for Credit Losses	386	(23)	(649)	(222)
Charge-offs				17
Recoveries	35	28	102	129
Ending Balance	1,963	1,838	1,963	1,838
Other
Allowance for loan losses:
Beginning Balance	583	139	192	1,618
(Release of) Provision for Credit Losses	(128)	19	404	(1,483)
Charge-offs	103	53	320	108
Recoveries	44	29	120	107
Ending Balance	396	134	396	134
Unfunded Loan Commitment
Allowance for loan losses:
Beginning Balance			4,500
Ending Balance	4,400	$ 2,200	4,400	$ 2,200
Allowance for credit loss unfunded commitment, purchase accounting adjustment	$ 1,000		$ 1,000		$ 1,700

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses on Loans - Collateral dependent loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	$ 48,847	$ 44,281
Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	56,303	43,129
Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	42,261	26,977
Accounts Receivable \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	8,748	9,901
Equipment \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,825	3,249
Other. \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	3,469	3,002
Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	10,636	5,387
Commercial \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	10,737	11,887
Commercial \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	895	1,986
Commercial \| Accounts Receivable \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	8,748	9,901
Commercial \| Equipment \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	4
Commercial \| Other. \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,090
Commercial \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	1,453	2,677
Leases \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,821	3,754
Leases \| Equipment \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,821	3,249
Leases \| Other. \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral		505
Leases \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	11	811
Commercial real estate - Investor \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	17,389	5,693
Commercial real estate - Investor \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	17,389	5,693
Commercial real estate - Investor \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	2,891
Commercial real estate - Owner occupied \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	23,046	11,637
Commercial real estate - Owner occupied \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	20,667	9,147
Commercial real estate - Owner occupied \| Other. \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	2,379	2,490
Commercial real estate - Owner occupied \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	6,033	362
Construction \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral		2,104
Construction \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral		2,104
Construction \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation		992
Residential real estate - Investor \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	675	925
Residential real estate - Investor \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	675	925
Residential real estate - Owner occupied \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,773	4,271
Residential real estate - Owner occupied \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	1,773	4,271
Residential real estate - Owner occupied \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation	248	276
Multifamily \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	672	1,845
Multifamily \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	672	1,845
Multifamily \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation		75
HELOC \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	190	1,006
HELOC \| Real Estate \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	$ 190	1,006
HELOC \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation		190
Other \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral		7
Other \| Other. \| Asset Pledged as Collateral without Right
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral		7
Other \| Collateral
Accounts, Notes, Loans and Financing Receivable [Line Items]
ACL Allocation		$ 4

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses on Loans - Aging Analysis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Aged analysis of past due loans
Total Loans	$ 3,869,334	$ 3,420,804
Total loans, including deferred loan loan costs and PCI	3,820,487	3,376,523
Recorded Investment 90 days or Greater Past Due and Accruing	20,752	3,110
Special Mention [Member]
Aged analysis of past due loans
Total Loans	151,665	48,236
Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	43,244
Total Past Due Including PCI loans		27,342
30 to 59 Days Past Due
Aged analysis of past due loans
Current	5,659
Total Past Due Including PCI loans		9,342
60 to 89 Days Past Due
Aged analysis of past due loans
Current	3,156
Total Past Due Including PCI loans		4,356
90 Days or Greater Past Due
Aged analysis of past due loans
Current	34,429
Total Past Due Including PCI loans		13,644
Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	3,826,090
Current including PCI Loans		3,393,462
Commercial
Aged analysis of past due loans
Total Loans	888,081	771,474
Recorded Investment 90 days or Greater Past Due and Accruing		1,396
Commercial \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	28,007	4,530
Commercial \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	3,393	6,648
Commercial \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	1,228	3,407
Commercial \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	1,012	1,413
Commercial \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	1,153	1,828
Commercial \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	884,688	764,826
Leases
Aged analysis of past due loans
Total Loans	251,603	176,031
Leases \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	856	1,696
Leases \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	602	125
Leases \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	187
Leases \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	67	1,571
Leases \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	250,747	174,335
Commercial real estate - Investor
Aged analysis of past due loans
Total Loans	941,910	799,928
Recorded Investment 90 days or Greater Past Due and Accruing	12,833
Commercial real estate - Investor \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	8,502	26,016
Commercial real estate - Investor \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	19,402	1,374
Commercial real estate - Investor \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	1,457	267
Commercial real estate - Investor \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	17,945	1,107
Commercial real estate - Investor \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	922,508	798,554
Commercial real estate - Owner occupied
Aged analysis of past due loans
Total Loans	876,951	731,845
Recorded Investment 90 days or Greater Past Due and Accruing		1,594
Commercial real estate - Owner occupied \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	90,742	2,953
Commercial real estate - Owner occupied \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	3,814	7,672
Commercial real estate - Owner occupied \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	723	2,324
Commercial real estate - Owner occupied \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current		500
Commercial real estate - Owner occupied \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	3,091	4,848
Commercial real estate - Owner occupied \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	873,137	724,173
Real estate - construction
Aged analysis of past due loans
Total Loans	176,700	206,132
Recorded Investment 90 days or Greater Past Due and Accruing	7,380
Real estate - construction \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	7,694	854
Real estate - construction \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	314	854
Real estate - construction \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	7,380
Real estate - construction \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	169,006	205,278
Residential real estate - Investor
Aged analysis of past due loans
Total Loans	59,580	63,399
Recorded Investment 90 days or Greater Past Due and Accruing	283	23
Residential real estate - Investor \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	1,565	1,657
Residential real estate - Investor \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	457	395
Residential real estate - Investor \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	68	470
Residential real estate - Investor \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	1,040	792
Residential real estate - Investor \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	58,015	61,742
Residential real estate - Owner occupied
Aged analysis of past due loans
Total Loans	220,969	213,248
Recorded Investment 90 days or Greater Past Due and Accruing	235	97
Residential real estate - Owner occupied \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	594	659
Residential real estate - Owner occupied \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	3,519	5,662
Residential real estate - Owner occupied \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	644	1,994
Residential real estate - Owner occupied \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	424	591
Residential real estate - Owner occupied \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	2,451	3,077
Residential real estate - Owner occupied \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	217,450	207,586
Multifamily
Aged analysis of past due loans
Total Loans	322,856	309,164
Multifamily \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	6,837	6,900
Multifamily \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	1,695	1,046
Multifamily \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	1,023
Multifamily \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current		1,046
Multifamily \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	672
Multifamily \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	321,161	308,118
HELOC
Aged analysis of past due loans
Total Loans	116,108	126,290
Recorded Investment 90 days or Greater Past Due and Accruing	21
HELOC \| Special Mention [Member]
Aged analysis of past due loans
Total Loans	111	108
HELOC \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	1,265	614
HELOC \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	635	193
HELOC \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current		23
HELOC \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current	630	398
HELOC \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	114,843	125,676
Other
Aged analysis of past due loans
Total Loans	14,576	23,293
Other \| Financial Asset, Past Due [Member]
Aged analysis of past due loans
Current	41	119
Other \| 30 to 59 Days Past Due
Aged analysis of past due loans
Current	33	50
Other \| 60 to 89 Days Past Due
Aged analysis of past due loans
Current	8	46
Other \| 90 Days or Greater Past Due
Aged analysis of past due loans
Current		23
Other \| Financial Asset, Not Past Due [Member]
Aged analysis of past due loans
Current	$ 14,535	$ 23,174

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses on Loans - Nonaccruals (Details) - USD ($)	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Non accrual including PCI Loans	$ 32,126,000	$ 41,531,000
Nonaccrual with no ACL	22,866,000	37,145,000
Interest on nonaccrual loans	142,000
Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	8,821,000	11,894,000
Nonaccrual with no ACL	5,449,000	9,217,000
Leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	235,000	3,754,000
Nonaccrual with no ACL	235,000	2,943,000
Commercial real estate - Investor
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	5,112,000	5,694,000
Nonaccrual with no ACL	2,018,000	5,694,000
Commercial real estate - Owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	9,581,000	11,637,000
Nonaccrual with no ACL	7,035,000	11,205,000
Real estate - construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	145,000	160,000
Nonaccrual with no ACL	145,000	160,000
Residential real estate - Investor
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	1,097,000	876,000
Nonaccrual with no ACL	1,097,000	876,000
Residential real estate - Owner occupied
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	3,552,000	4,898,000
Nonaccrual with no ACL	3,304,000	4,622,000
Multifamily
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	1,559,000	1,573,000
Nonaccrual with no ACL	1,559,000	1,573,000
HELOC
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	2,022,000	1,042,000
Nonaccrual with no ACL	2,022,000	852,000
Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual	2,000	3,000
Nonaccrual with no ACL	$ 2,000	$ 3,000

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses on Loans - Credit Quality (Details) - USD ($)	9 Months Ended
	Sep. 30, 2022	Dec. 31, 2021
Loans by risk rating
2022 / 2021	$ 974,030,000
2021 / 2020	909,798,000	$ 1,117,231,000
2020 / 2019	506,839,000	617,495,000
2019 / 2018	291,281,000	438,126,000
2018 / 2017	194,274,000	273,820,000
2017 / 2016		183,708,000
Prior	278,728,000	234,222,000
Revolving Loans	713,756,000	556,172,000
Revolving Loans Converted To Term Loans	628,000	30,000
Total Loans	3,869,334,000	3,420,804,000
Minimum
Loans by risk rating
Loan commitment for inclusion in credit quality analysis	50,000
Pass [Member]
Loans by risk rating
2022 / 2021	946,621,000	1,079,972,000
2021 / 2020	873,420,000	607,575,000
2020 / 2019	442,402,000	392,999,000
2019 / 2018	196,825,000	267,763,000
2018 / 2017	193,016,000	177,970,000
Prior	264,572,000	224,824,000
Revolving Loans	686,455,000	546,694,000
Revolving Loans Converted To Term Loans	628,000	30,000
Total Loans	3,603,939,000	3,297,827,000
Special Mention [Member]
Loans by risk rating
2022 / 2021	16,812,000	16,169,000
2021 / 2020	13,796,000	2,222,000
2020 / 2019	59,754,000	26,029,000
2019 / 2018	38,693,000
2018 / 2017	244,000
Prior	4,217,000
Revolving Loans	18,149,000	3,816,000
Total Loans	151,665,000	48,236,000
Substandard [Member]
Loans by risk rating
2022 / 2021	10,597,000	21,090,000
2021 / 2020	22,582,000	7,698,000
2020 / 2019	4,683,000	19,098,000
2019 / 2018	55,763,000	6,057,000
2018 / 2017	1,014,000	5,738,000
Prior	9,939,000	9,398,000
Revolving Loans	9,152,000	5,662,000
Total Loans	113,730,000	74,741,000
Commercial
Loans by risk rating
2022 / 2021	178,865,000	201,800,000
2021 / 2020	83,467,000	54,770,000
2020 / 2019	28,367,000	53,429,000
2019 / 2018	30,032,000	28,503,000
2018 / 2017	8,517,000	5,176,000
Prior	5,313,000	11,020,000
Revolving Loans	553,047,000	416,746,000
Revolving Loans Converted To Term Loans	473,000	30,000
Total Loans	888,081,000	771,474,000
Commercial \| Pass [Member]
Loans by risk rating
2022 / 2021	170,428,000	192,258,000
2021 / 2020	77,354,000	50,638,000
2020 / 2019	23,879,000	38,614,000
2019 / 2018	14,671,000	28,177,000
2018 / 2017	8,502,000	5,176,000
Prior	5,253,000	10,945,000
Revolving Loans	527,792,000	408,394,000
Revolving Loans Converted To Term Loans	473,000	30,000
Total Loans	828,352,000	734,232,000
Commercial \| Special Mention [Member]
Loans by risk rating
2022 / 2021	3,030,000	44,000
2021 / 2020	3,137,000	84,000
2020 / 2019	1,274,000	694,000
2019 / 2018	2,528,000
Revolving Loans	18,038,000	3,708,000
Total Loans	28,007,000	4,530,000
Commercial \| Substandard [Member]
Loans by risk rating
2022 / 2021	5,407,000	9,498,000
2021 / 2020	2,976,000	4,048,000
2020 / 2019	3,214,000	14,121,000
2019 / 2018	12,833,000	326,000
2018 / 2017	15,000
Prior	60,000	75,000
Revolving Loans	7,217,000	4,644,000
Total Loans	31,722,000	32,712,000
Real estate - residential
Loans by risk rating
Mortgage loans in process of foreclosure	659,000	488,000
Leases
Loans by risk rating
2022 / 2021	122,629,000	83,402,000
2021 / 2020	69,757,000	44,129,000
2020 / 2019	30,508,000	35,093,000
2019 / 2018	21,673,000	9,573,000
2018 / 2017	5,628,000	1,170,000
Prior	1,408,000	2,664,000
Total Loans	251,603,000	176,031,000
Leases \| Pass [Member]
Loans by risk rating
2022 / 2021	122,629,000	83,402,000
2021 / 2020	69,757,000	44,129,000
2020 / 2019	30,415,000	32,259,000
2019 / 2018	21,531,000	8,950,000
2018 / 2017	5,628,000	1,170,000
Prior	1,408,000	2,367,000
Total Loans	251,368,000	172,277,000
Leases \| Substandard [Member]
Loans by risk rating
2020 / 2019	93,000	2,834,000
2019 / 2018	142,000	623,000
Prior		297,000
Total Loans	235,000	3,754,000
Commercial real estate - Investor
Loans by risk rating
2022 / 2021	340,673,000	263,050,000
2021 / 2020	240,919,000	177,596,000
2020 / 2019	148,301,000	129,698,000
2019 / 2018	88,953,000	85,230,000
2018 / 2017	49,805,000	68,422,000
Prior	66,299,000	57,330,000
Revolving Loans	6,960,000	18,602,000
Total Loans	941,910,000	799,928,000
Commercial real estate - Investor \| Pass [Member]
Loans by risk rating
2022 / 2021	335,320,000	245,346,000
2021 / 2020	238,901,000	175,218,000
2020 / 2019	148,301,000	118,697,000
2019 / 2018	65,813,000	85,049,000
2018 / 2017	49,805,000	64,810,000
Prior	60,056,000	55,523,000
Revolving Loans	6,960,000	18,602,000
Total Loans	905,156,000	763,245,000
Commercial real estate - Investor \| Special Mention [Member]
Loans by risk rating
2022 / 2021	5,353,000	15,466,000
2020 / 2019		10,550,000
Prior	3,149,000
Total Loans	8,502,000	26,016,000
Commercial real estate - Investor \| Substandard [Member]
Loans by risk rating
2022 / 2021		2,238,000
2021 / 2020	2,018,000	2,378,000
2020 / 2019		451,000
2019 / 2018	23,140,000	181,000
2018 / 2017		3,612,000
Prior	3,094,000	1,807,000
Total Loans	28,252,000	10,667,000
Commercial real estate - Owner occupied
Loans by risk rating
2022 / 2021	175,121,000	298,543,000
2021 / 2020	267,587,000	156,295,000
2020 / 2019	157,986,000	94,964,000
2019 / 2018	86,393,000	60,915,000
2018 / 2017	51,643,000	55,487,000
Prior	104,468,000	63,119,000
Revolving Loans	33,753,000	2,522,000
Total Loans	876,951,000	731,845,000
Commercial real estate - Owner occupied \| Pass [Member]
Loans by risk rating
2022 / 2021	164,067,000	290,225,000
2021 / 2020	241,671,000	155,353,000
2020 / 2019	103,552,000	90,325,000
2019 / 2018	48,982,000	60,915,000
2018 / 2017	51,399,000	54,236,000
Prior	100,087,000	59,887,000
Revolving Loans	33,753,000	2,522,000
Total Loans	743,511,000	713,463,000
Commercial real estate - Owner occupied \| Special Mention [Member]
Loans by risk rating
2022 / 2021	8,429,000
2021 / 2020	8,600,000
2020 / 2019	53,299,000	2,953,000
2019 / 2018	19,102,000
2018 / 2017	244,000
Prior	1,068,000
Total Loans	90,742,000	2,953,000
Commercial real estate - Owner occupied \| Substandard [Member]
Loans by risk rating
2022 / 2021	2,625,000	8,318,000
2021 / 2020	17,316,000	942,000
2020 / 2019	1,135,000	1,686,000
2019 / 2018	18,309,000
2018 / 2017		1,251,000
Prior	3,313,000	3,232,000
Total Loans	42,698,000	15,429,000
Construction
Loans by risk rating
2022 / 2021	28,609,000	88,780,000
2021 / 2020	79,090,000	67,767,000
2020 / 2019	49,319,000	42,101,000
2019 / 2018	12,801,000	4,671,000
2018 / 2017	2,886,000	477,000
Prior	1,435,000	1,193,000
Revolving Loans	2,560,000	1,143,000
Total Loans	176,700,000	206,132,000
Construction \| Pass [Member]
Loans by risk rating
2022 / 2021	27,377,000	88,620,000
2021 / 2020	77,625,000	65,629,000
2020 / 2019	44,138,000	37,169,000
2019 / 2018	2,460,000	2,727,000
2018 / 2017	2,886,000	477,000
Prior	1,435,000	1,193,000
Revolving Loans	2,560,000	1,143,000
Total Loans	158,481,000	196,958,000
Construction \| Special Mention [Member]
Loans by risk rating
2021 / 2020	1,465,000	2,138,000
2020 / 2019	5,181,000	4,932,000
2019 / 2018	10,226,000
Total Loans	16,872,000	7,070,000
Construction \| Substandard [Member]
Loans by risk rating
2022 / 2021	1,232,000	160,000
2019 / 2018	115,000	1,944,000
Total Loans	1,347,000	2,104,000
Residential real estate - Investor
Loans by risk rating
2022 / 2021	13,656,000	13,492,000
2021 / 2020	10,482,000	9,902,000
2020 / 2019	7,079,000	13,084,000
2019 / 2018	10,007,000	6,589,000
2018 / 2017	5,435,000	7,444,000
Prior	11,707,000	11,020,000
Revolving Loans	1,214,000	1,868,000
Total Loans	59,580,000	63,399,000
Residential real estate - Investor \| Pass [Member]
Loans by risk rating
2022 / 2021	13,481,000	13,371,000
2021 / 2020	10,482,000	9,758,000
2020 / 2019	7,079,000	13,084,000
2019 / 2018	9,508,000	6,392,000
2018 / 2017	5,246,000	7,059,000
Prior	11,285,000	10,602,000
Revolving Loans	1,214,000	1,868,000
Total Loans	58,295,000	62,134,000
Residential real estate - Investor \| Substandard [Member]
Loans by risk rating
2022 / 2021	175,000	121,000
2021 / 2020		144,000
2019 / 2018	499,000	197,000
2018 / 2017	189,000	385,000
Prior	422,000	418,000
Total Loans	1,285,000	1,265,000
Residential real estate - Owner occupied
Loans by risk rating
2022 / 2021	36,688,000	48,990,000
2021 / 2020	46,296,000	32,095,000
2020 / 2019	29,402,000	20,996,000
2019 / 2018	17,132,000	14,523,000
2018 / 2017	12,553,000	30,738,000
Prior	77,333,000	63,854,000
Revolving Loans	1,565,000	2,052,000
Total Loans	220,969,000	213,248,000
Residential real estate - Owner occupied \| Pass [Member]
Loans by risk rating
2022 / 2021	36,688,000	48,009,000
2021 / 2020	45,430,000	31,912,000
2020 / 2019	29,163,000	20,990,000
2019 / 2018	16,407,000	13,304,000
2018 / 2017	12,421,000	30,562,000
Prior	74,772,000	60,661,000
Revolving Loans	1,565,000	2,052,000
Total Loans	216,446,000	207,490,000
Residential real estate - Owner occupied \| Special Mention [Member]
Loans by risk rating
2022 / 2021		659,000
2021 / 2020	594,000
Total Loans	594,000	659,000
Residential real estate - Owner occupied \| Substandard [Member]
Loans by risk rating
2022 / 2021		322,000
2021 / 2020	272,000	183,000
2020 / 2019	239,000	6,000
2019 / 2018	725,000	1,219,000
2018 / 2017	132,000	176,000
Prior	2,561,000	3,193,000
Total Loans	3,929,000	5,099,000
Multifamily
Loans by risk rating
2022 / 2021	72,925,000	109,608,000
2021 / 2020	108,581,000	71,748,000
2020 / 2019	53,862,000	46,193,000
2019 / 2018	22,396,000	62,733,000
2018 / 2017	57,019,000	11,701,000
Prior	7,817,000	7,117,000
Revolving Loans	101,000	64,000
Revolving Loans Converted To Term Loans	155,000
Total Loans	322,856,000	309,164,000
Multifamily \| Pass [Member]
Loans by risk rating
2022 / 2021	71,830,000	109,175,000
2021 / 2020	108,581,000	71,748,000
2020 / 2019	53,862,000	39,293,000
2019 / 2018	15,559,000	61,190,000
2018 / 2017	56,411,000	11,399,000
Prior	7,538,000	7,117,000
Revolving Loans	101,000	64,000
Revolving Loans Converted To Term Loans	155,000
Total Loans	314,037,000	299,986,000
Multifamily \| Special Mention [Member]
Loans by risk rating
2020 / 2019		6,900,000
2019 / 2018	6,837,000
Total Loans	6,837,000	6,900,000
Multifamily \| Substandard [Member]
Loans by risk rating
2022 / 2021	1,095,000	433,000
2019 / 2018		1,543,000
2018 / 2017	608,000	302,000
Prior	279,000
Total Loans	1,982,000	2,278,000
HELOC
Loans by risk rating
2022 / 2021	1,972,000	907,000
2021 / 2020	517,000	2,091,000
2020 / 2019	1,512,000	2,131,000
2019 / 2018	1,728,000	822,000
2018 / 2017	731,000	1,679,000
Prior	2,826,000	12,691,000
Revolving Loans	106,822,000	105,969,000
Total Loans	116,108,000	126,290,000
HELOC \| Pass [Member]
Loans by risk rating
2022 / 2021	1,909,000	907,000
2021 / 2020	517,000	2,091,000
2020 / 2019	1,512,000	2,131,000
2019 / 2018	1,728,000	805,000
2018 / 2017	661,000	1,667,000
Prior	2,616,000	12,315,000
Revolving Loans	104,776,000	104,843,000
Total Loans	113,719,000	124,759,000
HELOC \| Special Mention [Member]
Loans by risk rating
Revolving Loans	111,000	108,000
Total Loans	111,000	108,000
HELOC \| Substandard [Member]
Loans by risk rating
2022 / 2021	63,000
2019 / 2018		17,000
2018 / 2017	70,000	12,000
Prior	210,000	376,000
Revolving Loans	1,935,000	1,018,000
Total Loans	2,278,000	1,423,000
Other
Loans by risk rating
2022 / 2021	2,892,000	8,659,000
2021 / 2020	3,102,000	1,102,000
2020 / 2019	503,000	437,000
2019 / 2018	166,000	261,000
2018 / 2017	57,000	1,414,000
Prior	122,000	4,214,000
Revolving Loans	7,734,000	7,206,000
Total Loans	14,576,000	23,293,000
Other \| Pass [Member]
Loans by risk rating
2022 / 2021	2,892,000	8,659,000
2021 / 2020	3,102,000	1,099,000
2020 / 2019	501,000	437,000
2019 / 2018	166,000	254,000
2018 / 2017	57,000	1,414,000
Prior	122,000	4,214,000
Revolving Loans	7,734,000	7,206,000
Total Loans	14,574,000	23,283,000
Other \| Substandard [Member]
Loans by risk rating
2021 / 2020		3,000
2020 / 2019	2,000
2019 / 2018		7,000
Total Loans	$ 2,000	$ 10,000

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses on Loans - TDR (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2022 loan	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Loans and Allowance for Credit Losses on Loans
Number of TDR loan modifications \| loan	0
Loan modification activity		$ 0	$ 39,000	$ 0
TDR's defaulted
Pre-modification outstanding recorded investment during the period			$ 0	$ 0

Other Real Estate Owned (Detail

Other Real Estate Owned (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Other Real Estate Owned (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Activity in the other real estate owned (OREO) portfolio, net of valuation reserve
Balance at beginning of period	$ 1,624	$ 1,877	$ 2,356	$ 2,474
Property additions, net of acquisition adjustments		70	87	70
Less: Proceeds from property disposals, net of participation purchase and of gains/losses	63	37	778	567
Less: Period valuation (write-up)/write-down		(2)	104	65
Balance at end of period	1,561	1,912	1,561	1,912
Activity in the valuation allowance
Balance at beginning of period	920	1,296	1,179	1,643
(Release of) provision for unrealized losses		(2)	104	65
Reductions taken on sales	(64)	(129)	(427)	(543)
Balance at end of period	856	1,165	856	1,165
Expenses related to foreclosed assets, net of lease revenue
Gain on sales, net	(33)	(5)	(163)	(40)
(Release of) provision for unrealized losses		(2)	104	65
Operating expenses	58	32	159	117
Less: Lease revenue	4		4	4
Net OREO expense	$ 21	$ 25	$ 96	$ 138

Deposits - Classifications of D

Deposits - Classifications of Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Deposits
Noninterest bearing demand	$ 2,098,144	$ 2,093,494
Savings	1,164,036	1,178,575
NOW accounts	630,747	587,381
Money market accounts	931,813	1,102,972
Certificates of deposit of less than $100,000	258,071	296,298
Certificates of deposit of $100,000 through $250,000	148,411	138,794
Certificates of deposit of more than $250,000	50,137	68,718
Total deposits	$ 5,281,359	$ 5,466,232

Borrowings - Summary (Details)

Borrowings - Summary (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Borrowings
Total borrowings	$ 200,104	$ 198,876
Securities sold under repurchase agreements
Borrowings
Total borrowings	35,497	50,337
Other short-term borrowings
Borrowings
Total borrowings	25,000
Junior subordinated debentures
Borrowings
Total borrowings	25,773	25,773
Subordinated debentures
Borrowings
Total borrowings	59,275	59,212
Senior note
Borrowings
Total borrowings	44,559	44,480
Notes payable and other borrowings
Borrowings
Total borrowings	$ 10,000	$ 19,074

Borrowings - Additional informa

Borrowings - Additional information (Details)		3 Months Ended			9 Months Ended
Borrowings - Additional information (Details)	Feb. 24, 2020 USD ($)	Sep. 30, 2022 USD ($) item	Jun. 30, 2022 USD ($)	Dec. 31, 2016	Sep. 30, 2022 USD ($) item	Dec. 31, 2021 USD ($)	Jun. 30, 2021 USD ($)	Apr. 20, 2018 USD ($)
Borrowings
Securities available-for-sale, at fair value		$ 1,609,759,000			$ 1,609,759,000	$ 1,693,632,000
Number of customers having secured balances exceeding specified percentage of stockholders equity \| item		0			0
Threshold percentage of stockholders' equity					10%
Borrowings at FHLBC as percentage of total assets		35%			35%
Borrowings at FHLBC as percentage of book value of certain mortgage loans		60%			60%
FHLBC stock		$ 4,500,000			$ 4,500,000	7,100,000
Federal Home Loan Bank Chicago ("FHLBC") and Federal Reserve Bank Chicago ("FRBC") stock		19,413,000			19,413,000	13,257,000
Proceeds from term note	$ 30,000,000
Senior notes		44,559,000			44,559,000	44,480,000
Basis points added to reference rate (as a percent)	175%
Total borrowings		200,104,000			200,104,000	198,876,000
Asset Pledged as Collateral with Right \| Securities sold under repurchase agreements
Borrowings
Investment securities pledged with financial institutions, dollars						50,300,000
Securities available-for-sale, at fair value		$ 72,400,000			72,400,000	113,000,000
GCFC/ABC Bank
Borrowings
Debt assumed								$ 23,400,000
Balance of borrowings paid off			$ 5,900,000
Three Months Secured Overnight Financing Rate
Borrowings
Basis points added to reference rate (as a percent)		273%
Securities sold under repurchase agreements
Borrowings
Total borrowings		$ 35,497,000			35,497,000	50,337,000
Securities sold under repurchase agreements \| Asset Pledged as Collateral with Right \| Securities sold under repurchase agreements
Borrowings
Investment securities pledged with financial institutions, dollars		$ 35,500,000			$ 35,500,000
Federal Home Loan Bank Advances
Borrowings
Borrowings at FHLBC as percentage of book value of certain mortgage loans		60%			60%
FHLBC advance amount		$ 25			$ 25	0
FHLBC stock		4,500,000			4,500,000
Principal balance of loans collateralized		861,100,000			861,100,000
Combined collateral value		576,700,000			576,700,000
Amount available for additional borrowings		536,700,000			536,700,000
Subordinated debentures
Borrowings
Total borrowings		59,275,000			59,275,000	59,212,000
Notes Payable to Banks [Member]
Borrowings
Total borrowings		10,000,000			10,000,000	19,074,000
Junior subordinated debentures
Borrowings
Total borrowings		25,773,000			25,773,000	25,773,000
Senior Notes [Member]
Borrowings
Interest rate (as a percent)				5.75%
Senior notes		44,600,000			44,600,000	44,500,000
Debt Instrument, Term				10 years
Interest rate term				5 years
Debt issuance costs		441,000			$ 441,000	520,000
Amortization period for deferred financing costs					10 years
Total borrowings		$ 44,559,000			$ 44,559,000	$ 44,480,000
Debt instrument redemption price, percentage					100%
Senior Notes [Member] \| Debt Instrument, Variable Rate Base LIBOR [Member]
Borrowings
Basis points added to reference rate (as a percent)				385%
Term Debt
Borrowings
Proceeds from term note	$ 20,000,000				$ 10,000,000
Debt term	3 years
Subordinated Notes Due 2031
Borrowings
Interest rate (as a percent)		3.50%			3.50%		3.50%
Outstanding, net of deferred issuance costs		$ 59,300,000			$ 59,300,000
Face amount							$ 60,000,000

Junior Subordinated Debentures

Junior Subordinated Debentures - Issuance (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended		6 Months Ended	7 Months Ended	9 Months Ended
	Apr. 30, 2007	Sep. 30, 2022	Sep. 30, 2021	Jun. 15, 2017	Dec. 31, 2017	Sep. 30, 2022	Dec. 31, 2021
Junior subordinated debentures
Junior subordinated debentures		$ 25,773				$ 25,773	$ 25,773
Old Second Capital Trust II [Member]
Junior subordinated debentures
Proceeds from sale of cumulative trust preferred securities	$ 25,000
Maturity Period						30 years
Cash distribution fixed rate of trust preferred securities (as a percent)				6.77%
Basis points added to cash distribution floating rate base (as a percent)					1.50%
Cash distribution, floating rate base						three-month LIBOR
Amortization period						30 years
Old Second Capital Trust II [Member] \| Debt Instrument, Redemption, Period One [Member]
Junior subordinated debentures
Cash distribution rate of trust preferred securities (as a percent)		4.39%	4.40%
Junior subordinated debentures
Junior subordinated debentures
Junior Subordinated Debentures issuance cost		$ 1,000				$ 1,000	$ 1,000
Junior subordinated debentures \| Old Second Capital Trust II [Member]
Junior subordinated debentures
Junior subordinated debentures		$ 25,800				$ 25,800

Equity Compensation Plans (Deta

Equity Compensation Plans (Details) - USD ($) $ in Millions	1 Months Ended	9 Months Ended
Equity Compensation Plans (Details) - USD ($) $ in Millions	May 31, 2021	Sep. 30, 2022	Sep. 30, 2021	May 31, 2019
Equity Compensation Plans
Total compensation cost		$ 2.2	$ 1.2
Vesting Percentage , Fully Vest , Performance measure		50%
Minimum
Equity Compensation Plans
Vesting Percentage , Fully Vest , Performance measure		50%
Maximum
Equity Compensation Plans
Vesting Percentage , Pro rata , Performance measure		50%
2019 Plan
Equity Compensation Plans
Number of shares authorized	1,800,000			600,000
Increase in number of shares authorized	1,200,000
Number of shares available for issuance		1,176,903
Restricted Stock and Restricted Stock Units [Member]
Equity Compensation Plans
Vesting period		3 years

Equity Compensation Plans - Res

Equity Compensation Plans - Restricted Stock and RSUs (Details) - Restricted Stock and Restricted Stock Units [Member] - USD ($) $ / shares in Units, $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Changes in unvested awards
Nonvested at the beginning of the period (in shares)	540,306
Granted (in shares)	268,160	222,464
Vested (in shares)	(143,437)
Forfeited (in shares)	(17,144)
Nonvested at the end of the period (in shares)	647,885
Weighted Average Grant Date Fair Value
Nonvested at the beginning of the period (in dollars per share)	$ 12.04
Granted (in dollars per share)	14.25
Vested (in dollars per share)	12.75
Forfeited (in dollars per share)	12.49
Nonvested at the end of the period (in dollars per share)	$ 12.79
Additional information
Total unrecognized compensation cost of restricted awards	$ 4.5
Expected weighted-average period for recognition of unrecognized compensation	2 years 3 days

Earnings Per Share - Reconcilia

Earnings Per Share - Reconciliation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Basic earnings per share:
Weighted-average common shares outstanding	44,565,626	28,707,737	44,509,072	28,925,612
Net income	$ 19,523	$ 8,412	$ 43,790	$ 29,111
Basic earnings per share	$ 0.43	$ 0.30	$ 0.98	$ 1.01
Diluted earnings per share:
Weighted-average common shares outstanding	44,565,626	28,707,737	44,509,072	28,925,612
Diluted average common shares outstanding	45,221,541	29,230,280	45,207,992	29,458,806
Net earnings available to common stockholders	$ 19,523	$ 8,412	$ 43,790	$ 29,111
Diluted earnings per share	$ 0.43	$ 0.29	$ 0.97	$ 0.99
Restricted Stock and Restricted Stock Units [Member]
Diluted earnings per share:
Dilutive effect of share-based payment awards (in shares)	655,915	522,543	698,920	533,194

Regulatory & Capital Matters (D

Regulatory & Capital Matters (Details) $ in Millions	9 Months Ended
Regulatory & Capital Matters (Details) $ in Millions	Sep. 30, 2022 USD ($)	Dec. 31, 2021
Regulatory & Capital Matters
Tier 1 capital leverage ratio (as a percent)	0.0770	0.0781
Risk-based capital ratio (as a percent)	0.1199	0.1255
Deferment of impact on retained earnings	$ 2.9
Subsidiaries [Member]
Regulatory & Capital Matters
Tier 1 capital leverage ratio (as a percent)	0.0924	0.0958
Risk-based capital ratio (as a percent)	0.1264	0.1346
Tier One leverage ratio, basis point decrease (as a percent)	0.34%
Risk-based capital ratio, basis point decrease (as a percent)	0.82%
Minimum \| Subsidiaries [Member]
Regulatory & Capital Matters
Tier 1 capital leverage ratio (as a percent)	0.08
Risk-based capital ratio (as a percent)	0.12
Tier 1 capital leverage ratio, board-designated threshold	8%
Total Capital Ratio, board-designated threshold (as a percent)	12%

Regulatory & Capital Matters -

Regulatory & Capital Matters - Capital Levels and Industry Defined Regulatory Minimums (Details) $ in Thousands	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Common equity tier 1 capital to risk weighted assets
Actual	$ 434,155	$ 394,421
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 331,778	$ 291,855
Common equity tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	9.16%	9.46%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	7%	0.07%
Total capital to risk weighted assets, Amount
Actual at period end	$ 568,429	$ 522,932
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 497,790	$ 437,513
Total capital to risk weighted assets, Ratio
Risk-based capital ratio (as a percent)	0.1199	0.1255
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.1050	0.1050
Tier 1 capital to risk weighted assets, Amount
Actual	$ 459,155	$ 419,421
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 403,184	$ 354,382
Tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	0.0968	0.1006
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.0850	0.0850
Tier 1 capital to average assets, Amount
Actual	$ 459,155	$ 419,421
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	$ 238,522	$ 214,812
Tier 1 capital to average assets, Ratio
Tier 1 capital leverage ratio (as a percent)	0.0770	0.0781
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.0400	0.0400
Subsidiaries [Member]
Common equity tier 1 capital to risk weighted assets
Actual	$ 550,635	$ 514,992
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	332,280	290,487
Minimum Required to Be Well Capitalized	$ 308,545	$ 269,738
Common equity tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	11.60%	12.41%
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	7%	0.07%
Minimum Required to Be Well Capitalized (as a percent)	6.50%	6.50%
Total capital to risk weighted assets, Amount
Actual at period end	$ 599,909	$ 558,503
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	498,342	435,682
Minimum Required to Be Well Capitalized	$ 474,612	$ 414,935
Total capital to risk weighted assets, Ratio
Risk-based capital ratio (as a percent)	0.1264	0.1346
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.1050	0.1050
Minimum Required to Be Well Capitalized (as a percent)	0.1000	0.1000
Tier 1 capital to risk weighted assets, Amount
Actual	$ 550,635	$ 514,992
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	403,483	352,734
Minimum Required to Be Well Capitalized	$ 379,748	$ 331,985
Tier 1 capital to risk weighted assets, Ratio
Actual (as a percent)	0.1160	0.1241
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.0850	0.0850
Minimum Required to Be Well Capitalized (as a percent)	0.0800	0.0800
Tier 1 capital to average assets, Amount
Actual	$ 550,635	$ 514,992
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable	238,370	215,028
Minimum Required to Be Well Capitalized	$ 297,963	$ 268,785
Tier 1 capital to average assets, Ratio
Tier 1 capital leverage ratio (as a percent)	0.0924	0.0958
Minimum Required for Capital Adequacy Purposes with Capital Conservation Buffer if applicable (as a percent)	0.0400	0.0400
Minimum Required to Be Well Capitalized (as a percent)	0.0500	0.0500

Regulatory & Capital Matters _2

Regulatory & Capital Matters - Dividend Restrictions and Deferrals (Details) $ in Millions	9 Months Ended
	Sep. 30, 2022 USD ($)
Dividend Restrictions and Deferrals
Number of previous years retained profit considered for dividend payment	2 years
Minimum capital requirements, minimum percentage required	2.50%
Payments of dividends	$ 17.7

Fair Value Measurements (Detail

Fair Value Measurements (Details) - USD ($)	9 Months Ended
Fair Value Measurements (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021
Fair Value Measurements
Fair value transfer assets , level 1 to level 2	$ 0	$ 0

Fair Value Measurements - Recur

Fair Value Measurements - Recurring (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets:
Securities available-for-sale	$ 1,609,759	$ 1,693,632
Mortgage servicing rights	11,461	7,097
U.S. Treasury
Assets:
Securities available-for-sale	211,097	202,339
U.S. government agencies
Assets:
Securities available-for-sale	55,963	61,888
States and political subdivisions
Assets:
Securities available-for-sale	224,259	257,609
Corporate bonds
Assets:
Securities available-for-sale	9,544	9,887
Collateralized mortgage obligations
Assets:
Securities available-for-sale	587,846	672,967
Asset-backed Securities
Assets:
Securities available-for-sale	219,587	236,877
Collateralized loan obligations.
Assets:
Securities available-for-sale	173,837	79,763
Fair Value, Inputs, Level 1 [Member]
Assets:
Securities available-for-sale	211,097	202,339
Fair Value, Inputs, Level 2 [Member]
Assets:
Securities available-for-sale	1,385,353	1,476,057
Loans held-for-sale	1,297	4,737
Other assets	6,602	3,494
Liabilities:
Other liabilities	12,277	6,788
Fair Value, Inputs, Level 3 [Member]
Assets:
Securities available-for-sale	13,309	15,236
Mortgage servicing rights	11,461	7,097
Fair Value, Measurements, Recurring [Member]
Assets:
Loans held-for-sale	1,297	4,737
Mortgage servicing rights	11,461	7,097
Total financial assets	1,629,329	1,709,468
Liabilities:
Total	12,278	6,809
Fair Value, Measurements, Recurring [Member] \| Interest rate swap agreements, including risk participation agreement
Assets:
Other assets	6,624	3,494
Liabilities:
Other liabilities	12,278	6,809
Fair Value, Measurements, Recurring [Member] \| Forward Contracts [Member]
Assets:
Other assets	188	508
Fair Value, Measurements, Recurring [Member] \| U.S. Treasury
Assets:
Securities available-for-sale	211,097	202,339
Fair Value, Measurements, Recurring [Member] \| U.S. government agencies
Assets:
Securities available-for-sale	55,963	61,888
Fair Value, Measurements, Recurring [Member] \| Mortgage Backed Securities, Issued by US Government Agencies
Assets:
Securities available-for-sale	127,626	172,302
Fair Value, Measurements, Recurring [Member] \| States and political subdivisions
Assets:
Securities available-for-sale	224,259	257,609
Fair Value, Measurements, Recurring [Member] \| Corporate bonds
Assets:
Securities available-for-sale	9,544	9,887
Fair Value, Measurements, Recurring [Member] \| Collateralized mortgage obligations
Assets:
Securities available-for-sale	587,846	672,967
Fair Value, Measurements, Recurring [Member] \| Asset-backed Securities
Assets:
Securities available-for-sale	219,587	236,877
Fair Value, Measurements, Recurring [Member] \| Collateralized loan obligations.
Assets:
Securities available-for-sale	173,837	79,763
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Assets:
Total financial assets	211,097	202,339
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member] \| U.S. Treasury
Assets:
Securities available-for-sale	211,097	202,339
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Assets:
Loans held-for-sale	1,297	4,737
Total financial assets	1,393,462	1,484,796
Liabilities:
Total	12,278	6,809
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap agreements, including risk participation agreement
Assets:
Other assets	6,624	3,494
Liabilities:
Other liabilities	12,278	6,809
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Forward Contracts [Member]
Assets:
Other assets	188	508
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| U.S. government agencies
Assets:
Securities available-for-sale	55,963	61,888
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Mortgage Backed Securities, Issued by US Government Agencies
Assets:
Securities available-for-sale	127,626	172,302
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| States and political subdivisions
Assets:
Securities available-for-sale	210,950	242,373
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Corporate bonds
Assets:
Securities available-for-sale	9,544	9,887
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Collateralized mortgage obligations
Assets:
Securities available-for-sale	587,846	672,967
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Asset-backed Securities
Assets:
Securities available-for-sale	219,587	236,877
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Collateralized loan obligations.
Assets:
Securities available-for-sale	173,837	79,763
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets:
Mortgage servicing rights	11,461	7,097
Total financial assets	24,770	22,333
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| States and political subdivisions
Assets:
Securities available-for-sale	$ 13,309	$ 15,236

Fair Value Measurements - Chang

Fair Value Measurements - Changes in Level 3 (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
States and political subdivisions
Changes in Level 3
Beginning balance	$ 15,236	$ 4,319
Total gains or losses
Included in earnings (or changes in net assets)		(7)
Included in other comprehensive income (loss)	(1,333)	812
Purchases, issuances, sales, and settlements
Purchases		748
Issuances	519
Settlements	(1,015)	(312)
Ending balance	13,309	5,560
Changes in Level 3 (liabilities)
Included in earnings (or changes in net assets)	(98)
Mortgage Servicing Rights [Member]
Changes in Level 3
Beginning balance	7,097	4,224
Total gains or losses
Included in earnings (or changes in net assets)		840
Purchases, issuances, sales, and settlements
Issuances	756	1,298
Settlements	(776)	(1,042)
Ending balance	11,461	$ 5,320
Changes in Level 3 (liabilities)
Included in earnings (or changes in net assets)	$ 4,384

Fair Value Measurements - Quant

Fair Value Measurements - Quantitative and Qualitative Information (Details) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	$ 11,461	$ 7,097
Securities available-for-sale, at fair value	1,609,759	1,693,632
Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	11,461	7,097
Securities available-for-sale, at fair value	13,309	15,236
States and political subdivisions
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	224,259	257,609
Collateralized mortgage obligations
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	587,846	672,967
Fair Value, Measurements, Recurring [Member]
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	11,461	7,097
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	11,461	7,097
Fair Value, Measurements, Recurring [Member] \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Mortgage servicing rights, fair value	11,461	7,097
Fair Value, Measurements, Recurring [Member] \| States and political subdivisions
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	224,259	257,609
Fair Value, Measurements, Recurring [Member] \| States and political subdivisions \| Fair Value, Inputs, Level 3 [Member]
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	13,309	15,236
Fair Value, Measurements, Recurring [Member] \| Collateralized mortgage obligations
Quantitative information about Level 3 fair value measurements
Securities available-for-sale, at fair value	$ 587,846	$ 672,967
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0.090
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0.110
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0.090
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		11
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		15
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		11
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		0.6
Debt Securities, Measurement Input	2.9
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		3.5
Debt Securities, Measurement Input	5.4
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Discount Rate \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Debt Securities, Measurement Input	4.8	2.8
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0.128
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input	0.061
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		0
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		36.6
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Constant Prepayment Rate \| Mortgage Servicing Rights [Member] \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Servicing Asset, Measurement Input		11.9
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Liquidity Premium \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Minimum
Quantitative information about Level 3 fair value measurements
Liquidity Premium (as a percent)	0.40%	0.30%
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Liquidity Premium \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Maximum
Quantitative information about Level 3 fair value measurements
Liquidity Premium (as a percent)	1.30%	2.40%
Fair Value, Measurements, Recurring [Member] \| Measurement Input, Liquidity Premium \| States and political subdivisions \| Discounted Cash Flow Valuation Technique [Member] \| Fair Value, Inputs, Level 3 [Member] \| Weighted Average [Member]
Quantitative information about Level 3 fair value measurements
Debt Securities, Measurement Input	0.5	0.6

Fair Value Measurements - Nonre

Fair Value Measurements - Nonrecurring (Details) - USD ($)	9 Months Ended	12 Months Ended
Fair Value Measurements - Nonrecurring (Details) - USD ($)	Sep. 30, 2022	Dec. 31, 2021	Jun. 30, 2022	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Assets and liabilities measured at fair value
Valuation allowance	$ 16,700,000
Carrying value of other real estate owned	1,561,000	$ 2,356,000	$ 1,624,000	$ 1,912,000	$ 1,877,000	$ 2,474,000
OREO Valuation allowance	856,000	1,179,000	$ 920,000	$ 1,165,000	$ 1,296,000	$ 1,643,000
Impaired Loans [Member]
Assets and liabilities measured at fair value
Valuation allowance		18,500,000
Impaired Loans [Member] \| Reported Value Measurement [Member]
Assets and liabilities measured at fair value
Increase (decrease) of specific allocations within the provision for loan losses		2,700,000
Fair Value, Measurements, Nonrecurring [Member]
Assets and liabilities measured at fair value
Total	52,915,000	15,494,000
Fair Value, Measurements, Nonrecurring [Member] \| Impaired Loans [Member]
Assets and liabilities measured at fair value
Total	51,354,000	13,138,000
Valuation allowance	16,700,000	5,400,000
Increase (decrease) of specific allocations within the provision for loan losses	11,300,000
Fair Value, Measurements, Nonrecurring [Member] \| Impaired Loans [Member] \| Reported Value Measurement [Member]
Assets and liabilities measured at fair value
Total	68,100,000
Fair Value, Measurements, Nonrecurring [Member] \| Other Real Estate Owned [Member]
Assets and liabilities measured at fair value
Total	1,561,000	2,356,000
Carrying value of other real estate owned	1,600,000	2,400,000
Outstanding balance	2,500,000	3,700,000
OREO Valuation allowance	856,000	1,200,000
OREO participations	131,000	131,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets and liabilities measured at fair value
Total	52,915,000	15,494,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Impaired Loans [Member]
Assets and liabilities measured at fair value
Total	51,354,000	13,138,000
Fair Value, Measurements, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Other Real Estate Owned [Member]
Assets and liabilities measured at fair value
Total	$ 1,561,000	$ 2,356,000

Fair Values of Financial Inst_3

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Financial assets:
Cash and due from banks	$ 64,903	$ 38,565
Interest earning deposits with financial institutions	51,251	713,542
Securities available-for-sale	1,609,759	1,693,632
FHLBC and FRBC Stock	19,413	13,257
Mortgage servicing rights	11,461	7,097
Financial liabilities:
Noninterest bearing deposits	2,098,144	2,093,494
Other short-term borrowings	25,000
Junior subordinated debentures	25,773	25,773
Senior notes	44,559	44,480
Reported Value Measurement [Member]
Financial assets:
Cash and due from banks	64,903	38,565
Interest earning deposits with financial institutions	51,251	713,542
Securities available-for-sale	1,609,759	1,693,632
FHLBC and FRBC Stock	19,413	13,257
Loans held for sale	1,297	4,737
Net loans	3,820,487	3,376,523
Mortgage servicing rights	11,461	7,097
Interest rate swap agreements	6,602	3,494
Interests rate lock commitments and forward contracts	188	508
Interest receivable on securities and loans	20,133	13,431
Financial liabilities:
Noninterest bearing deposits	2,098,144	2,093,494
Interest bearing deposits	3,183,215	3,372,738
Securities sold under repurchase agreements	35,497	50,377
Other short-term borrowings	25,000
Junior subordinated debentures	25,773	25,773
Subordinated debentures	59,275	59,212
Senior notes	44,559	44,480
Note payable and other borrowings	10,000	19,074
Interest rate swap agreements	12,277	6,788
Interest payable on deposits and borrowings	2,067	1,706
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and due from banks	64,903	38,565
Interest earning deposits with financial institutions	51,251	713,542
Securities available-for-sale	1,609,759	1,693,632
FHLBC and FRBC Stock	19,413	13,257
Loans held for sale	1,297	4,737
Net loans	3,694,682	3,407,596
Mortgage servicing rights	11,461	7,097
Interest rate swap agreements	6,602	3,494
Interests rate lock commitments and forward contracts	188	508
Interest receivable on securities and loans	20,133	13,431
Financial liabilities:
Noninterest bearing deposits	2,098,144	2,093,494
Interest bearing deposits	3,166,428	3,375,930
Securities sold under repurchase agreements	35,497	50,377
Other short-term borrowings	25,000
Junior subordinated debentures	21,650	18,557
Subordinated debentures	51,985	60,111
Senior notes	44,469	44,480
Note payable and other borrowings	9,970	19,411
Interest rate swap agreements	12,277	6,788
Interest payable on deposits and borrowings	2,067	1,706
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	64,903	38,565
Interest earning deposits with financial institutions	51,251	713,542
Securities available-for-sale	211,097	202,339
Financial liabilities:
Noninterest bearing deposits	2,098,144	2,093,494
Senior notes	44,469	44,480
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Securities available-for-sale	1,385,353	1,476,057
FHLBC and FRBC Stock	19,413	13,257
Loans held for sale	1,297	4,737
Interest rate swap agreements	6,602	3,494
Interests rate lock commitments and forward contracts	188	508
Interest receivable on securities and loans	20,133	13,431
Financial liabilities:
Interest bearing deposits	3,166,428	3,375,930
Securities sold under repurchase agreements	35,497	50,377
Other short-term borrowings	25,000
Junior subordinated debentures	21,650	18,557
Subordinated debentures	51,985	60,111
Note payable and other borrowings	9,970	19,411
Interest rate swap agreements	12,277	6,788
Interest payable on deposits and borrowings	2,067	1,706
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Securities available-for-sale	13,309	15,236
Net loans	3,694,682	3,407,596
Mortgage servicing rights	$ 11,461	$ 7,097

Derivatives, Hedging Activiti_3

Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk - Fair Value of Derivatives (Details)	1 Months Ended		9 Months Ended	12 Months Ended
	Aug. 31, 2022 USD ($) loan	Dec. 31, 2019 USD ($)	Sep. 30, 2022 USD ($) item	Dec. 31, 2021 USD ($) item
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Number of loan pool hedges \| loan	2
Loan pool hedge	$ 100,000,000	$ 50,000,000
Term of interest rate risk cash flow hedge	3 years	5 years
Amount of ineffectiveness, included in net income			$ 0
Other derivatives, derivative not designated as hedging instruments, classified in other assets			22,000
Interest Rate Products
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Notional Amount			25,800,000
Designated as Hedging Instrument [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative assets designated as hedging instruments, fair value			2,687,000
Derivative liabilities designated as hedging instruments, fair value			$ 8,362,000
Designated as Hedging Instrument [Member] \| Interest Rate Products
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative assets designated as hedging instruments, classified in other assets				$ 808,000
Derivative liabilities designated as hedging instruments, fair value				$ 4,102,000
Designated as Hedging Instrument [Member] \| Interest Rate Products \| OSBC Affiliates
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative, number of transactions \| item			4	2
Notional Amount			$ 275,774,000	$ 75,774,000
Derivative assets designated as hedging instruments, classified in other assets			2,687,000
Derivative liabilities designated as hedging instruments, classified in other liabilities			8,362,000	4,102,000
Designated as Hedging Instrument [Member] \| Interest Rate Swap [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Cash collateral pledged with financial institutions, dollars			$ 9,800,000	$ 17,200,000
Number of correspondent financial institutions where investment securities are pledged \| item			2	2
Designated as Hedging Instrument [Member] \| Interest Rate Swap [Member] \| OSBC Affiliates
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative assets designated as hedging instruments, classified in other assets				$ 808,000
Not Designated as Hedging Instrument [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative assets not designated as hedging instruments, fair value			$ 4,125,000
Total Derivative liabilities not designated as hedging instruments, fair value			$ 3,916,000
Not Designated as Hedging Instrument [Member] \| Interest Rate Products \| Commercial Loan Customers
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative, number of transactions \| item			22	26
Notional Amount			$ 114,511,000	$ 165,005,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets			3,915,000	2,686,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities			$ 3,915,000	$ 2,686,000
Weighted average maturity			5 years 7 months 6 days	3 years 10 months 24 days
Not Designated as Hedging Instrument [Member] \| Interest Rate Swap [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Cash collateral pledged with financial institutions, dollars			$ 5,000,000	$ 180,000
Number of correspondent financial institutions where investment securities are pledged \| item			1	1
Not Designated as Hedging Instrument [Member] \| Interest Rate Lock Commitments and Forward Contracts.
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative, number of transactions \| item			58	3
Notional Amount			$ 15,552,000	$ 17,173,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets			$ 188,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities				$ 21,000
Not Designated as Hedging Instrument [Member] \| Interest Rate Lock Commitments and Forward Contracts. \| Commercial Loan Customers
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative, number of transactions \| item				87
Notional Amount				$ 34,414,000
Interest rate derivatives, derivative assets not designated as hedging instruments, classified in other assets				508,000
Not Designated as Hedging Instrument [Member] \| Other Contracts
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Derivative, number of transactions \| item			3
Notional Amount			$ 28,526,000
Derivative assets designated as hedging instruments, classified in other assets				3,194,000
Derivative liabilities designated as hedging instruments, classified in other liabilities				$ 2,707,000
Interest rate derivatives, derivative not designated as hedging instruments, classified in other liabilities			1,000
Interest Income [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Amount to be reclassified as an decrease to interest expense during the next twelve months			(3,500,000)
Interest Expense [Member]
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Amount to be reclassified as an decrease to interest expense during the next twelve months			$ (401,000)

Derivatives, Hedging Activiti_4

Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk - Effect of Fair Value (Details) - USD ($)	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Amount of loss recognized in OCI on derivative	$ (4,100,000)	$ (1,800,000)
Interest Expense.
Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk
Amount of gain reclassified from AOCI to interest income	$ 15,000	$ 40,000

Derivatives, Hedging Activiti_5

Derivatives, Hedging Activities and Financial Instruments with Off-Balance Sheet Risk - Commitments (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022	Dec. 31, 2021
Company's contractual commitments due to letters of credit
Total letters of credit	$ 33,237,000	$ 33,237,000	$ 33,288,000
Allowance for Credit Loss on Unfunded Commitments	4,400,000	4,400,000
Allowance for Credit Loss Unfunded Commitment, Purchase Accounting Adjustment	1,000,000	1,000,000
Decrease In Allowance for Credit Loss on unfunded Commitments	749,000
Commercial unfunded commitments assumptions for increase in the allowance for credit losses		973,000
Accretion of interest income for decrease in the allowance for credit losses		224,000
Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	7,371,000	7,371,000	840,000
Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	25,866,000	25,866,000	32,448,000
Commitments to Extend Credit to Borrowers [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	33,170,000	33,170,000	33,221,000
Commitments to Extend Credit to Borrowers [Member] \| Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	7,371,000	7,371,000	840,000
Commitments to Extend Credit to Borrowers [Member] \| Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	25,799,000	25,799,000	32,381,000
Commitments to Extend Credit to Borrowers [Member] \| Financial Standby Letter of Credit [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	18,424,000	18,424,000	17,858,000
Commitments to Extend Credit to Borrowers [Member] \| Financial Standby Letter of Credit [Member] \| Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	3,424,000	3,424,000	384,000
Commitments to Extend Credit to Borrowers [Member] \| Financial Standby Letter of Credit [Member] \| Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	15,000,000	15,000,000	17,474,000
Commitments to Extend Credit to Borrowers [Member] \| Performance Guarantee [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	14,746,000	14,746,000	15,363,000
Commitments to Extend Credit to Borrowers [Member] \| Performance Guarantee [Member] \| Fixed [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	3,947,000	3,947,000	456,000
Commitments to Extend Credit to Borrowers [Member] \| Performance Guarantee [Member] \| Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	10,799,000	10,799,000	14,907,000
Commitments to Extend Credit Nonborrowers [Member] \| Performance Guarantee [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	67,000	67,000	67,000
Commitments to Extend Credit Nonborrowers [Member] \| Performance Guarantee [Member] \| Variable [Member]
Company's contractual commitments due to letters of credit
Total letters of credit	67,000	67,000	67,000
Letter of Credit [Member] \| Unused lines of Credit [Member]
Company's contractual commitments due to letters of credit
Loan commitments	977,014,000	977,014,000	979,890,000
Letter of Credit [Member] \| Unused lines of Credit [Member] \| Fixed [Member]
Company's contractual commitments due to letters of credit
Loan commitments	197,499,000	197,499,000	84,225,000
Letter of Credit [Member] \| Unused lines of Credit [Member] \| Variable [Member]
Company's contractual commitments due to letters of credit
Loan commitments	$ 779,515,000	$ 779,515,000	$ 895,665,000