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Old National Bank
Evansville, IN·FDIC Cert #3832·Charter: OCC·Est. 19070827.0·HC: OLD NATIONAL BCORP
Total Assets
$71.8B
Q4 2025
Return on Assets
1.16%
+0.07%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
51.80%
Peer avg: 52.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%+0.07
ROE
10.20%+0.65
Efficiency
51.80%-1.08
Equity/Assets
0.00%+0.00
NPL Ratio
1.09%-0.16
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
86.79%+1.28
Charge-offs
0.25%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.1 | 1.2 | 1.0 | 1.1 | 1.2 |
| ROE | 9.5 | 9.4 | 9.7 | 9.9 | 10.0 | 9.1 | 9.6 | 10.2 |
| Efficiency | 57.0 | 55.9 | 54.5 | 54.0 | 51.0 | 50.9 | 52.9 | 51.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 1.0 | 1.2 | 1.3 | 1.3 | 1.3 | 1.2 | 1.1 |
| Charge-offs | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 |
| Loan/Deposit | 87.6 | 88.6 | 87.7 | 87.3 | 87.2 | 86.4 | 85.5 | 86.8 |
Balance Sheet
Total Assets$71.8B
Total Deposits$55.6B
Total Loans$48.2B
Total Equity$8.1B
Profitability
ROA1.16%
ROE10.20%
Efficiency Ratio51.80%
Net Income$745.7M
Risk & Asset Quality
NPL Ratio1.09%
Charge-off Rate0.25%
Loan/Deposit86.79%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans