Old National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 3.59 percentage points lower than in Q1 2026, at 35.79%. Old National Bank ranks 34th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 89.17% (Q2 2026). 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $50.82B |
| Net loans and leases | $50.24B |
| Loans held for sale | $43.6M |
| Loans to total assets | 68.80% |
| Loan-to-deposit ratio | 89.17% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.97% |
| Multifamily (5+ residential) | 11.52% |
| Commercial and industrial | 22.92% |
| Consumer | 3.14% |
| Credit cards | 0.00% |
| Farm | 1.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 254.85% |
| Construction concentration (Tier 1 capital + allowance) | 35.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.85% |
| Interest income on loans | $730.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $32.70B | $37.51B | 26.40% | 23.41% | 4.40% |
| Q4 2023 | $33.02B | $37.53B | 26.32% | 22.98% | 4.32% |
| Q1 2024 | $33.64B | $38.02B | 26.94% | 23.28% | 4.36% |
| Q2 2024 | $36.22B | $40.44B | 27.32% | 23.43% | 4.15% |
| Q3 2024 | $36.46B | $41.13B | 28.10% | 23.28% | 4.04% |
| Q4 2024 | $36.32B | $41.13B | 28.09% | 23.00% | 4.02% |
| Q1 2025 | $36.45B | $41.33B | 28.10% | 23.55% | 3.94% |
| Q2 2025 | $47.98B | $54.86B | 28.75% | 22.54% | 3.16% |
| Q3 2025 | $48.05B | $55.52B | 28.40% | 22.29% | 3.14% |
| Q4 2025 | $48.82B | $55.59B | 28.70% | 21.98% | 3.13% |
| Q1 2026 | $49.79B | $56.50B | 28.40% | 22.36% | 3.13% |
| Q2 2026 | $50.82B | $56.99B | 28.97% | 22.92% | 3.14% |
Old National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Old National Bank, freeSource: Call Report Schedule RC-C, 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)