Old National Bank
Old National Bank reported total assets of $73.9 bn at Q2 2026, up 4.5% on a year earlier, the 40th largest of 497 banks in our US coverage. The CET1 capital ratio at Old National Bank was 11.34%, and the uninsured share of Old National Bank was 43.27%. Source: FDIC Call Reports.
Key takeaways
- Since , Old National Bank has taken over 6 institutions; the latest was Bremer Bank, National Association on (FDIC Call Reports).
- On return on equity (ROE), Old National Bank climbed from 341st to 239th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Old National Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $10 bn to $100 bn: 11.34% at , where the median of the 126 banks is 12.97% (FDIC Call Reports).
What sets Old National Bank apart
How large is Old National Bank?
The balance sheet of Old National Bank at : assets $73.9 bn, deposits $57.0 bn, net loans $50.2 bn (loans equal to 88.15% of deposits). Securities make up 19.6% of total assets at Old National Bank. Since , when Old National Bank held $11.8 bn, its assets grew 526.4%. In the year to , deposits at Old National Bank rose 3.9% while its total assets rose 4.5%. At , Old National Bank employed 4,377 full-time equivalent staff across 361 offices, about $16.9 mn of assets per employee and $157.9 mn of deposits per office.
How much funding at Old National Bank is uninsured?
At Old National Bank, uninsured deposits (above the FDIC limit) made up 43.27% of domestic deposits at (-2.88 pp on a year earlier); Old National Bank ranks 154th of 500 on this measure. In dollars, Old National Bank estimated $24.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $57.0 bn | +3.9% | 42nd of 499 |
| Net loans and leases | $50.2 bn | +5.9% | 39th of 500 |
| Loan-to-deposit ratio | 88.15% | +1.73 pp | 232nd of 500 |
| Tier 1 leverage ratio | 8.80% | -0.18 pp | 450th of 500 |
| Total risk-based capital ratio | 12.29% | +0.52 pp | 395th of 448 |
| Net interest margin | 3.60% | +0.15 pp | 264th of 500 |
| Return on assets (ROA) | 1.41% | +0.36 pp | 191st of 500 |
| Efficiency ratio | 45.98% | -4.88 pp | 91st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $376.3 mn | Narrowed by $79.7 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $776.9 mn | Narrowed by $48.9 mn | |
| Noncurrent loans to total loans | 0.92% | -0.35 pp | 346th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.26% | +0.02 pp | 377th of 500 (1 = lowest) |
US rank of Old National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Old National Bank: assets, deposits and loans
- Total assets $73.9bn
- Deposits $57.0bn
- Net loans $50.2bn
Capital and securities
The CET1 ratio of Old National Bank stood at 11.34% in , +0.48 pp year on year. Low and high at Old National Bank since : 10.28% () to 13.54% (). Equity capital of Old National Bank at : $8.4 bn, or 11.3% of total assets. Old National Bank also reported a total capital ratio of 12.29% for , and a tier 1 leverage ratio of 8.80%.
On held-to-maturity securities, Old National Bank carried an unrealized loss of $376.3 mn at , equal to 4.5% of equity capital. The loss narrowed by $79.7 mn over the year. Its deepest point: $634.3 mn in . The available-for-sale portfolio of Old National Bank showed an unrealized loss of $776.9 mn at ; the loss narrowed by $48.9 mn over the year.
Old National Bank: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 8.8%
Old National Bank: unrealized securities gains and losses
- Available for sale -$777mn
- Held to maturity -$376mn
Profitability and loan quality
For the year to , Old National Bank earned a return on equity of 12.44%; return on assets: 1.41%. Net interest margin at Old National Bank: 3.60%, +0.15 pp in a year. Old National Bank net income: $511.6 mn, up 65.8% year on year. The efficiency ratio of Old National Bank was 45.98%: about 46 cents cost per revenue dollar, against 48 cents at the median peer.
At , noncurrent loans were 0.92% of total loans at Old National Bank; net charge-offs: 0.26% of average loans. Gross loans and leases at Old National Bank: $50.8 bn, up 5.9% in a year.
Old National Bank: profitability
- Return on equity 12%
- Net interest margin 3.6%
- Return on assets 1.4%
Peer group of Old National Bank
The peer group of Old National Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Old National Bank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Indiana. Against them, Old National Bank shows CET1 ratio 11.34% against a peer median of 12.20%, return on equity 12.44% against a peer median of 11.68% and uninsured deposit share 43.27% against a peer median of 47.55%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Webster Bank | National bank | CT | $85.9 bn | 12.23% | 10.82% | 34.58% | |
| East West Bank | State member bank | CA | $84.3 bn | 13.90% | 17.70% | 54.77% | |
| First Horizon Bank | State member bank | TN | $84.1 bn | 11.18% | 12.53% | 40.33% | |
| Old National Bank | National bank | IN | $73.9 bn | 11.34% | 12.44% | 43.27% | |
| UMB Bank | National bank | MO | $71.9 bn | 11.75% | 13.06% | 63.56% | |
| SouthState Bank | National bank | FL | $68.8 bn | 12.17% | 9.97% | 37.77% | |
| CIBC Bank USA | State member bank | IL | $66.5 bn | 16.86% | 8.67% | 65.90% | |
. FDIC Call Reports.
Last eight quarters
Two years at Old National Bank, to : assets +38.6%, deposits +38.6%, equity +34.6%. Staff 3,704 to 4,377; offices 293 to 361.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $53.3 bn | $53.2 bn | $53.6 bn | $70.7 bn | $71.0 bn | $71.8 bn | $72.6 bn | $73.9 bn |
| Total deposits | $41.1 bn | $41.1 bn | $41.3 bn | $54.9 bn | $55.5 bn | $55.6 bn | $56.5 bn | $57.0 bn |
| Bank equity capital | $6.2 bn | $6.2 bn | $6.3 bn | $7.9 bn | $8.1 bn | $8.1 bn | $8.2 bn | $8.4 bn |
| CET1 ratio | 11.48% | 11.82% | 12.03% | 10.86% | 11.25% | 11.05% | 11.25% | 11.34% |
| Return on equity (ROE) | 9.68% | 9.95% | 10.00% | 9.09% | 9.55% | 10.20% | 11.96% | 12.44% |
| Uninsured share of domestic deposits | 46.95% | 47.58% | 47.67% | 46.15% | 48.20% | 42.62% | 42.69% | 43.27% |
| Full-time equivalent employees | 3,704 | 3,663 | 3,635 | 4,738 | 4,686 | 4,464 | 4,416 | 4,377 |
| Number of offices | 293 | 293 | 293 | 364 | 363 | 361 | 361 | 361 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Old National Bank, oldest first; figures before and after each event are not like for like.
- . Absorbed AnchorBank, fsb (FDIC certificate 29979).
- . Absorbed Anchor Bank, National Association (FDIC certificate 8868).
- . Absorbed KleinBank (FDIC certificate 1414).
- . Absorbed First Midwest Bank (FDIC certificate 3709).
- . Absorbed CapStar Bank (FDIC certificate 58823).
- . Absorbed Bremer Bank, National Association (FDIC certificate 12923).
Large one-quarter moves at Old National Bank
- Total assets at Old National Bank changed by +87.2% in the quarter to 2022-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Midwest Bank.
- Total assets at Old National Bank changed by +32.0% in the quarter to 2025-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Bremer Bank, National Association.
Questions and identifiers
What were the total assets of Old National Bank?
Old National Bank reported $73.9 bn at in its Call Report. That makes Old National Bank the 40th largest of 497 banks in our US coverage.
Is Old National Bank the same as its holding company?
No. This page covers Old National Bank, FDIC certificate 3832; OLD NATIONAL BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Old National Bank profitable?
Old National Bank reported net income of $511.6 mn for the year to ; annualized return on equity: 12.44%. So yes: Old National Bank made a profit over these months.
When is data for Old National Bank next updated?
Figures from Old National Bank for are due after .
Where can I check the figures for Old National Bank?
In the FDIC BankFind Suite record for certificate 3832, and in the Call Reports of Old National Bank (RSSD ID 208244) at the FFIEC Central Data Repository.