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Old National Bank

Evansville, IN · Cert 3832 · Old National Bcorp

National charter · OCC · 354 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

21

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

54

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

75

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Old National Bank

Evansville, IN · Cert 3832 · Old National Bcorp

National charter · OCC · 354 branches

Q2 2026

$73.9BAssets
$50.8BLoans
$57.0BDeposits
$8.4BEquity
Loan mix
73%RE $34.4B24%C&I $11.1B3%Consumer $1.6BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $43.4B24%Noninterest $13.6BQ2 2025Q2 2026

NIM

4.68%Q2 ’244.39%Q2 ’254.80%Q2 ’26-2%+16%

Non-interest income vs. expense

1.95%Q2 ’241.81%Q2 ’251.92%Q2 ’26-15%+5%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 3.0% share · #8 of 147 inst. · $18.9B of $630.7B

29.8% Will
1.4% Cook
47.2% Vanderburgh
1.7% Hennepin

Executive Summary

  • Earnings: ROA of 1.41%, up 36 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.92% of loans (-35 bps YoY), with net charge-offs at 0.25%.
  • Capital: tier 1 leverage ratio of 8.80%, down 18 bps from a year ago.
  • Funding: loans stand at 89.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.41%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+43 bps YoY

Efficiency Ratio (YTD, annualized)

45.98%-488 bps YoY

Tier 1 Leverage Ratio

8.80%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.09%1.16%1.35%1.41%+36 bps
Return on Equity9.09%9.55%10.20%11.96%12.44%+335 bps
Net Interest Margin2.74%2.75%2.87%3.18%3.17%+43 bps
Efficiency Ratio50.86%52.88%51.80%46.75%45.98%-488 bps
Non-Interest Burden1.15%1.25%1.29%1.27%1.20%+6 bps
Growth
Asset Growth (YoY)33.84%33.18%34.80%35.54%4.46%-2,938 bps
Loan Growth (YoY)32.48%31.77%34.41%36.58%5.91%-2,657 bps
Deposit Growth (YoY)35.65%35.01%35.16%36.69%3.87%-3,178 bps
Asset Quality
Nonperforming Loans / Loans1.27%1.23%1.07%1.04%0.92%-35 bps
Net Charge-Offs / Loans0.20%0.22%0.23%0.26%0.25%+5 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.98%8.55%8.52%8.67%8.80%-18 bps
Total Risk-Based Capital11.77%12.16%12.01%12.21%12.29%+52 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits87.46%86.54%87.81%88.12%89.17%+172 bps
Liquid Assets / Assets4.02%3.98%3.91%3.82%3.74%-28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Old National Bank

Evansville, IN · Cert 3832 · Peer group: banks over $10B in assets (n=142-144) · Old National Bcorp

National charter · OCC · 354 branches

Q2 2026

$73.9BAssets
$50.8BLoans
$57.0BDeposits
$8.4BEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 75% of banks over $10B in assets (rank 37 of 144).
  • Widest gap: total risk-based capital ratio trails 94% of banks over $10B in assets (rank 135 of 144).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.39%

Rank 53 of 144

Net Interest Margin

3.17%

Rank 85 of 144

Efficiency Ratio

49.42%

Rank 37 of 144

Equity / Assets

11.31%

Rank 75 of 144

Non-interest income vs. expense

$0.5B$1.4BINCOMEEXPENSE
Unfavorable gap of $0.9B · efficiency ratio beats 75% of banks over $10B in assets
Bank 49.42%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.39%1.00%1.26%1.54%Beats 63%53 / 144
Return on Equity12.24%8.98%11.34%14.40%Beats 59%59 / 144
Net Interest Margin3.17%2.82%3.31%3.68%Beats 41%85 / 144
Efficiency Ratio49.42%49.42%56.02%62.41%Beats 75%37 / 144
Asset Quality
Nonperforming Loans / Loans0.92%0.48%0.73%1.07%Beats 33%96 / 142
Net Charge-Offs / Loans0.16%0.05%0.11%0.22%Beats 37%91 / 142
Capital
Tier 1 Capital Ratio11.34%12.07%12.98%14.92%Beats 8%132 / 144
Total Risk-Based Capital Ratio12.29%13.39%14.14%16.25%Beats 6%135 / 144
Equity / Assets11.31%9.69%11.39%12.96%Beats 48%75 / 144
Liquidity & Funding
Loans / Deposits89.17%75.72%84.92%91.56%65th pctl50 / 143
Loans / Assets68.80%59.83%69.07%74.80%46th pctl78 / 144
Brokered Deposits / Depositsn/aNot reported for this institution