Old National Bancorp
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Old National Bancorp (ONB) investor relations material

Old National Bancorp Investor presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Investor presentation summary9 Feb, 2026

Strategic objectives and business model

  • Aims to be a top quartile performing basic bank, trusted by clients and valued as an employer, with a focus on empowering team members and community engagement.

  • Prioritizes organic and capital growth over mergers and acquisitions, with a proven track record as an acquirer.

  • Maintains a quality, low-cost deposit base and a granular, diversified loan portfolio.

  • Emphasizes strong credit culture and diversified revenue streams.

Financial performance and profitability

  • Achieved record adjusted EPS, net income, and efficiency ratio for full-year 2025.

  • 4Q25 adjusted ROAA of 1.37% and adjusted ROATCE of 19.9%, with an adjusted efficiency ratio of 46.0%.

  • Total loan and deposit growth of 5.1% and 4.9% YoY, respectively, excluding Bremer.

  • Tangible book value per share up 15% YoY, with 2.2 million shares repurchased in 2025.

Balance sheet, capital, and liquidity

  • Total assets of $72B, loans of $49B, and deposits of $55B as of 12/31/2025.

  • CET1 capital ratio at 11.08%, TCE/TA at 7.72%, and loan-to-deposit ratio at 89%.

  • Ample liquidity and capital, with tangible book value per share up 17% annualized vs. 3Q25.

  • 75% of core deposits have tenure over 5 years; insured deposits exceed 70% of total.

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Q1 202621 Apr, 2026
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Q1 202621 Apr, 2026

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Frequently asked questions

Old National Bancorp operates as the bank holding company for Old National Bank that provides various financial services to individual and commercial customers in the United States. The company offers deposit products, including checking, savings, and term certificate accounts, as well as certificates of deposit; and lending products comprising one-to four-family mortgage, home equity, commercial real estate and construction, commercial business and industrial, and consumer loans.

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