Old National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 6.2% to $2.71B. Within Indiana, Old National Bank is 43rd of 50 on CET1 ratio, 11.34% as of Q2 2026, below the middle of the field. Old National Bank reported 11.34% on CET1 ratio for Q2 2026, 1.62 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 8.80% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $6.25B |
| Tier 1 capital | $6.25B |
| Total risk-based capital | $6.78B |
| Total equity capital | $8.36B |
| Risk-weighted assets | $55.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.31% |
| Tangible equity to tangible assets | 7.86% |
| Equity capital to average assets | 11.34% |
| Internal capital growth rate | 7.67% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $65.1M |
| Common stock surplus | $6.14B |
| Retained earnings | $2.71B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$558.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.00% | 8.84% | $37.33B |
| Q4 2023 | 11.57% | 11.57% | 12.33% | 8.99% | $37.25B |
| Q1 2024 | 11.50% | 11.50% | 12.32% | 9.04% | $37.68B |
| Q2 2024 | 11.26% | 11.26% | 12.08% | 8.85% | $40.45B |
| Q3 2024 | 11.48% | 11.48% | 12.35% | 8.95% | $40.42B |
| Q4 2024 | 11.82% | 11.82% | 12.72% | 9.07% | $40.14B |
| Q1 2025 | 12.03% | 12.03% | 13.00% | 9.28% | $40.09B |
| Q2 2025 | 10.86% | 10.86% | 11.77% | 8.98% | $52.33B |
| Q3 2025 | 11.25% | 11.25% | 12.16% | 8.55% | $52.44B |
| Q4 2025 | 11.05% | 11.05% | 12.01% | 8.52% | $53.37B |
| Q1 2026 | 11.25% | 11.25% | 12.21% | 8.67% | $54.03B |
| Q2 2026 | 11.34% | 11.34% | 12.29% | 8.80% | $55.15B |
Old National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Old National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Old National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3832) · FFIEC NIC profile (RSSD 208244)