Old National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.01 percentage points higher than in Q1 2026, at 103.80%. Old National Bank ranks 31st of 87 Indiana banks on return on assets, in the upper half at 1.45% (Q2 2026). Old National Bank reported 1.45% on return on assets for Q2 2026, 0.16 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 12.29% |
| Tier 1 leverage ratio | 8.80% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 7.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.10% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 9.24% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 103.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 12.92% |
| Net interest margin | 3.54% |
| Efficiency ratio | 44.95% |
| Yield on earning assets | 5.36% |
| Cost of funds | 1.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.17% |
| Core deposits to total deposits | 86.52% |
| Brokered deposits to total deposits | 7.91% |
| Deposits to assets | 77.16% |
| Securities to assets | 19.57% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.00% | 8.84% | 1.28% |
| Q4 2023 | 11.57% | 11.57% | 12.33% | 8.99% | 1.20% |
| Q1 2024 | 11.50% | 11.50% | 12.32% | 9.04% | 1.05% |
| Q2 2024 | 11.26% | 11.26% | 12.08% | 8.85% | 1.00% |
| Q3 2024 | 11.48% | 11.48% | 12.35% | 8.95% | 1.15% |
| Q4 2024 | 11.82% | 11.82% | 12.72% | 9.07% | 1.20% |
| Q1 2025 | 12.03% | 12.03% | 13.00% | 9.28% | 1.16% |
| Q2 2025 | 10.86% | 10.86% | 11.77% | 8.98% | 0.92% |
| Q3 2025 | 11.25% | 11.25% | 12.16% | 8.55% | 1.12% |
| Q4 2025 | 11.05% | 11.05% | 12.01% | 8.52% | 1.31% |
| Q1 2026 | 11.25% | 11.25% | 12.21% | 8.67% | 1.34% |
| Q2 2026 | 11.34% | 11.34% | 12.29% | 8.80% | 1.45% |
Old National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Old National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)