Old National Bank
Also written as ONB
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Data as of · sourced from FFIEC call reports. How we update
Old National Bank is an FDIC-insured commercial bank headquartered in Evansville, IN, established in 1907 (FDIC certificate 3832), and it is supervised by the OCC. At Q2 2026 it reported total assets of $73.86B, up 4.5% from Q2 2025, the largest of 87 banks headquartered in Indiana. Its CET1 capital ratio was 11.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3832
- Headquarters
- Evansville, IN
- Established
- 1907
- Total assets, Q2 2026
- $73.86B
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 11.34%
- Domestic offices
- 361 FDIC institution directory, current count
- Routing number
- 086300012
- Latest call report
- Q2 2026, FFIEC 031 · Old National Bank call report
- Holding company
- OLD NATIONAL BANCORP
- Asset rank in state
- 1st of 87 in Indiana
Old National Bank is the 39th-largest bank in the United States, with $73.9 billion in assets at June 30, 2026, up 4.5% from a year earlier. It is headquartered in Evansville, Indiana, and operates 361 domestic branches. It holds common equity equal to 11.34% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). On the other hand, it spends about 45 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $268 million, 76% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.83% of loans, down from 1.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 6.9% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, Old National Bank reported a CET1 capital ratio of 11.34%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.92% and a Texas ratio of 6.88%. The figures come from its call report filed with the FFIEC.
Of the 87 banks headquartered in Indiana, Old National Bank is the largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.7% to $73.86B, loans rose 2.1% and deposits rose 0.9%. Commercial and industrial loans made up 22.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.5%. Judged on its Q2 2026 call report, Old National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 Main St, Evansville, IN 47708
- County
- Vanderburgh
- Metro Area
- Evansville, IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- August 27, 1907
- Former names
- The Peoples National Bank in Lawrenceville (1938-1999)
- Domestic offices
- 361 FDIC institution directory, current count
- Employees (FTE)
- 4,377
- Domestic deposits
- $56.99B
- Allowance for credit losses
- $580.5M
- Net charge-offs (YTD)
- $64.3M
- Average total assets
- $73.71B
- Average total loans
- $50.01B
- Average interest-bearing deposits
- $42.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3832
- Fed RSSD
- 208244
- SEC CIK
- 707179 → filed by OLD NATIONAL BANCORP
- Website
- www.oldnational.com →
- Parent Holding Company
- OLD NATIONAL BANCORP (RSSD 1098303) · ONB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James C Ryan Iii | CEO | CHAIRMAN AND CEO |
| Timothy M Burke Jr | PRES | PRESIDENT, CHIEF OPERATING OFC |
| John V Moran | CFO | CHIEF FINANCIAL OFFICER |
| Scott J Evernham | CRO | CHIEF RISK OFFICER |
| Nicholas J Chulos | GC | Chief Legal Officer & Corp Sec |
| Carrie S Goldfeder | CCO | CHIEF CREDIT OFFICER |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Old National Bank's total assets ranged from $48.76B (Q3 2023) to $73.86B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$73.86B total assets against $70.70B; $65.50B total liabilities against $62.83B.
$50.24B net loans and leases against $47.42B; $56.99B total deposits against $54.86B.
$14.45B securities against $13.95B; $1.76B cash and balances due against $1.80B.
$893.8M total interest income against $820.9M; $304.9M total interest expense against $306.0M.
$588.9M net interest income against $514.9M.
$143.0M total noninterest income against $126.8M; $354.9M total noninterest expense against $345.0M.
$36.2M provision for credit losses against $106.8M.
$267.5M net income against $152.3M.
1.45% return on assets against 0.92%; 3.54% net interest margin against 3.46%.
11.34% CET1 capital ratio against 10.86%; 8.80% tier 1 leverage ratio against 8.98%.
Inside the full Old National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Old National Bank rankings
Its closest position to the top of a national ranking is 39 of 4,196, for total assets; its furthest is 1,886 of 2,134, for CET1 ratio.
Metric pages for Old National Bank: Uninsured deposits.
Banks merged into Old National Bank
- Bremer Bank, National Association, effective May 1, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q2 2025) to 1.45% (Q2 2026) and its net interest margin ran from 3.21% (Q1 2025) to 3.63% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.45% | 0.92% | 6.88% | 3.54% |
| Q1 2026 | 11.25% | 1.34% | 1.04% | 7.82% | 3.53% |
| Q4 2025 | 11.05% | 1.31% | 1.07% | 8.18% | 3.63% |
| Q3 2025 | 11.25% | 1.12% | 1.23% | 9.44% | 3.56% |
| Q2 2025 | 10.86% | 0.92% | 1.27% | 10.34% | 3.46% |
| Q1 2025 | 12.03% | 1.16% | 1.31% | 9.84% | 3.21% |
| Q4 2024 | 11.82% | 1.20% | 1.24% | 9.84% | 3.25% |
| Q3 2024 | 11.48% | 1.15% | 1.22% | 9.70% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 354 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Joliet Main Branch | Joliet , IL | 60432 | $5.21B |
| Old National Bank (main office) | Evansville , IN | 47708 | $4.73B |
| Ocoee Street Branch | Cleveland , TN | 37312 | $789.8M |
| St Cloud West Branch | Saint Cloud , MN | 56301 | $602.2M |
| Dundee Main Branch | Dundee , MI | 48131 | $590.7M |
| Park Bank Brookfield | Brookfield , WI | 53005 | $550.3M |
| Downtown Indianapolis Branch | Indianapolis , IN | 46204 | $529.4M |
| Demonbreun Street Branch | Nashville , TN | 37203 | $471.4M |
| Collinwood Branch | Collinwood , TN | 38450 | $467.5M |
| Halsted Avenue Branch | Chicago , IL | 60614 | $461.1M |
| Westside Facility Branch | Waukegan , IL | 60085 | $458.6M |
| Bismarck Branch | Bismarck , ND | 58504 | $434.1M |
| Detroit Lakes Branch | Detroit Lakes , MN | 56501 | $412.2M |
| Willmar Branch | Willmar , MN | 56201 | $393.0M |
| Ids Center Branch | Minneapolis , MN | 55402 | $380.9M |
| Mall Road Branch | Bloomington , IN | 47401 | $375.0M |
| Palos Main Branch | Palos Heights , IL | 60463 | $366.7M |
| Edina Branch | Edina , MN | 55435 | $361.3M |
| Arden Hills Branch | Arden Hills , MN | 55112 | $339.8M |
| Saint Paul Branch | Saint Paul , MN | 55104 | $332.9M |
| Saint Paul Main Branch | Saint Paul , MN | 55102 | $330.0M |
| Allanson Road Facility | Mundelein , IL | 60060 | $323.8M |
| Tinley Park-80th Avenue Branch | Tinley Park , IL | 60477 | $321.7M |
| Grand Forks Branch | Grand Forks , ND | 58201 | $320.9M |
| Westmont Branch | Westmont , IL | 60559 | $299.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2025 | Structure Change | Acquired Bremer Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired CapStar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 16, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 16, 2022 | Structure Change | Acquired First Midwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2018 | Structure Change | Acquired KleinBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2017 | Structure Change | Acquired Anchor Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2016 | Structure Change | Acquired AnchorBank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2015 | Structure Change | Acquired Founders Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2014 | Structure Change | Acquired Lafayette Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2014 | Structure Change | Acquired United Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2014 | Structure Change | Acquired Tower Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 26, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2013 | Structure Change | Acquired Home Investments, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2012 | Structure Change | Acquired Indiana Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2012 | Structure Change | Acquired Integra Loan Company, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 30, 2011 | Structure Change | Acquired Integra Bank N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 29, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Monroe Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 2, 2007 | Structure Change | Acquired St. Joseph Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 9, 2001 | Structure Change | Acquired Orange County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 13, 2000 | Structure Change | Acquired Heritage Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 12, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 18, 2000 | Structure Change | Acquired Peoples Loan & Trust Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 17, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 28, 2000 | Structure Change | Acquired Permanent Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 27, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 5, 1999 | Structure Change | Acquired Bank of Western Indiana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 40 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 3 against individuals associated with it
- January 14, 2014, OCC: Civil Money Penalty (CMP): Old National Bank
- June 4, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Old National Bank
- September 17, 2008, OCC: Civil Money Penalty (CMP): Old National Bank
- September 1, 2004, OCC: Civil Money Penalty (CMP): Old National Bank
- Period: Most recent institution action January 14, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 6.6% of deposits in IN, rank 3 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 17,112 applications, 10,956 loans originated, $4.05B originated, across 49 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 220 loans, $196.1M approved, $891K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 120 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Old National Bank
What are Old National Bank's total assets?
As of the Q2 2026 filing, Old National Bank reported total assets of $73.86 billion in its FFIEC call report.
Where is Old National Bank headquartered?
It is headquartered in Evansville, IN, United States.
When was Old National Bank founded?
It was established in 1907, per the FDIC institution directory.
Is Old National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Old National Bank?
Old National Bank's primary federal regulator is the OCC.
What is Old National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Old National Bank operate?
It operates 361 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Old National Bank's Texas Ratio?
Its Texas Ratio is 6.88% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Old National Bank previously called?
The charter now named Old National Bank has also operated as The Peoples National Bank in Lawrenceville (1938-1999), per FDIC structure-change records.
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