Old National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Old National Bank is the primary bank subsidiary of its parent holding company, headquartered in Evansville, IN. The Q2 2026 balance sheet stands at $73.9B in assets, including $50.8B in loans. Returns are notably above industry norms: 1.45% ROA, 12.92% ROE, and 3.54% NIM. Capital is comfortably above regulatory requirements, CET1 ratio of 11.34% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are in line with industry norms, 1.10% NPL ratio. Old National runs a 360-branch network across multiple states.
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 1.10%, a Texas ratio of 9.24%, per financial data filed with the FFIEC.
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)
- Offices
- 360 domestic
- 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 |
|---|---|---|
| Alahmar Chady M. | CEO | CEO, WEALTH MANAGEMENT |
| Moran John V | CFO | CHIEF FINANCIAL OFFICER |
| Burke Timothy M Jr | COO | PRESIDENT, CHIEF OPERATING OFC |
| Ryan James C Iii | CHR | CHAIRMAN AND CEO |
| Chulos Nicholas J | GC | Chief Legal Officer & Corp Sec |
| Evernham Scott J | CRO | CHIEF RISK OFFICER |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Old National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Old National 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Old National Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.45% | 1.10% | 9.24% | 3.54% |
| Q1 2026 | 11.25% | 1.34% | 1.19% | 10.03% | 3.53% |
| Q4 2025 | 11.05% | 1.31% | 1.25% | 10.49% | 3.63% |
| Q3 2025 | 11.25% | 1.12% | 1.51% | 12.60% | 3.56% |
| Q2 2025 | 10.86% | 0.92% | 1.50% | 13.36% | 3.46% |
| Q1 2025 | 12.03% | 1.16% | 1.52% | 12.40% | 3.21% |
| Q4 2024 | 11.82% | 1.20% | 1.51% | 12.80% | 3.25% |
| Q3 2024 | 11.48% | 1.15% | 1.31% | 11.01% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 354 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2025 | Structure Change | Acquired Bremer Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2017 | Structure Change | Acquired Anchor Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 26, 2014 | Structure Change | Acquired Tower Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 Ibnk Leasing Corporation 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Monroe Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 First National Bank and Trust Company, Carbondale, Illinois 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 The Farmers State Bank of Union City 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 | Charter Discontinued (Merger or Purchase & Assumption) | 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
What the public regulatory sources show for Old National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 131 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.
- Consumer complaints
- 115 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Old National Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Old National Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Old National Bank headquartered?
Old National Bank is headquartered in Evansville, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Old National Bank founded?
Old National Bank was established in 1907, per the FDIC institution directory.
Is Old National Bank FDIC-insured?
Yes. Old National Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Old National Bank's CET1 capital ratio?
Old National Bank 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?
Old National Bank operates 360 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?
Old National Bank's Texas Ratio is 9.24% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
Go deeper on Old National Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Old National Bank, freeFree account