Old National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 1.37 percentage points in Q2 2026, from 93.08% to 94.44%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Old National Bank is 34th of 87 on loan-to-deposit ratio, 89.17% as of Q2 2026, above the middle of the field. At 89.17%, Old National Bank's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $1.76B |
| Cash and noninterest-bearing balances to assets | 2.39% |
| Cash and securities | $16.22B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $515.7M |
| Other borrowed money | $7.09B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 9.60% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.17% |
| Net loans and leases to deposits | 88.15% |
| Loans and leases to core deposits | 94.44% |
| Core deposits to total deposits | 86.52% |
| Brokered deposits to total deposits | 7.91% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.19% | 92.81% | $280.0M | $4.76B |
| Q4 2023 | 87.99% | 93.37% | $285.6M | $4.53B |
| Q1 2024 | 88.49% | 92.68% | $324.9M | $4.50B |
| Q2 2024 | 89.55% | 90.72% | $490.9M | $5.04B |
| Q3 2024 | 88.66% | 90.85% | $379.9M | $4.69B |
| Q4 2024 | 88.30% | 91.57% | $269.4M | $4.78B |
| Q1 2025 | 88.20% | 90.80% | $290.4M | $4.79B |
| Q2 2025 | 87.46% | 89.01% | $637.9M | $6.28B |
| Q3 2025 | 86.54% | 89.13% | $277.6M | $6.09B |
| Q4 2025 | 87.81% | 88.12% | $361.6M | $6.70B |
| Q1 2026 | 88.12% | 87.46% | $465.1M | $6.53B |
| Q2 2026 | 89.17% | 86.52% | $515.7M | $7.09B |
Old National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Old National Bank, freeSource: Call Report Schedules RC and RC-M, 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)