Evansville, IN · Cert 3832 · Old National Bcorp
National charter · OCC · 354 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 3.0% share · #8 of 147 inst. · $18.9B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.09% | 1.16% | 1.35% | 1.41% | +36 bps | |
| Return on Equity | 9.09% | 9.55% | 10.20% | 11.96% | 12.44% | +335 bps | |
| Net Interest Margin | 2.74% | 2.75% | 2.87% | 3.18% | 3.17% | +43 bps | |
| Efficiency Ratio | 50.86% | 52.88% | 51.80% | 46.75% | 45.98% | -488 bps | |
| Non-Interest Burden | 1.15% | 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 / Loans | 1.27% | 1.23% | 1.07% | 1.04% | 0.92% | -35 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.22% | 0.23% | 0.26% | 0.25% | +5 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.98% | 8.55% | 8.52% | 8.67% | 8.80% | -18 bps | |
| Total Risk-Based Capital | 11.77% | 12.16% | 12.01% | 12.21% | 12.29% | +52 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.46% | 86.54% | 87.81% | 88.12% | 89.17% | +172 bps | |
| Liquid Assets / Assets | 4.02% | 3.98% | 3.91% | 3.82% | 3.74% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |