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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.23% | 1.17% | 0.98% | 1.13% | 1.32% | 1.35% | 1.46% | +48 bps | |
| Return on Equity | 10.23% | 10.56% | 10.00% | 8.57% | 10.08% | 11.67% | 11.96% | 12.92% | +434 bps | |
| Net Interest Margin | 2.92% | 2.92% | 2.89% | 3.12% | 3.21% | 3.25% | 3.18% | 3.20% | +8 bps | |
| Efficiency Ratio | 51.97% | 52.50% | 51.04% | 50.73% | 56.11% | 48.96% | 46.75% | 45.24% | -549 bps | |
| Non-Interest Burden | 1.25% | 1.26% | 1.19% | 1.32% | 1.64% | 1.43% | 1.27% | 1.15% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.33% | 9.10% | 8.79% | 33.84% | 33.18% | 34.80% | 35.54% | 4.46% | -2,938 bps | |
| Loan Growth (YoY) | 11.51% | 9.98% | 8.36% | 32.48% | 31.77% | 34.41% | 36.58% | 5.91% | -2,657 bps | |
| Deposit Growth (YoY) | 9.65% | 9.59% | 8.71% | 35.65% | 35.01% | 35.16% | 36.69% | 3.87% | -3,178 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 1.24% | 1.31% | 1.27% | 1.23% | 1.07% | 1.04% | 0.92% | -35 bps | |
| Net Charge-Offs / Loans | 0.19% | 0.21% | 0.24% | 0.22% | 0.25% | 0.26% | 0.26% | 0.25% | +3 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.95% | 9.07% | 9.28% | 8.98% | 8.55% | 8.52% | 8.67% | 8.80% | -18 bps | |
| Total Risk-Based Capital | 12.35% | 12.72% | 13.00% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.66% | 88.30% | 88.20% | 87.46% | 86.54% | 87.81% | 88.12% | 89.17% | +172 bps | |
| Liquid Assets / Assets | 5.41% | 5.39% | 5.33% | 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 | n/a | n/a | n/a |