OLD NATIONAL BANCORP /IN/

For the period ended Sep 30, 2025. Filed Oct 29, 2025.

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Oct 29, 2025

ONB$25.26-0.4%Stored close · as of Nov 10, 2026

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Contents

Consolidated Statements of Income (unaudited)

	Three Months EndedSeptember 30,		Nine Months EndedSeptember 30,
(dollars and shares in thousands, except per share data)	2025	2024	2025	2024
Interest Income
Loans including fees:
Taxable	$731,633	$561,428	$1,905,907	$1,594,411
Nontaxable	20,252	12,703	47,019	39,048
Investment securities:
Taxable	143,155	83,567	353,569	241,349
Nontaxable	9,945	10,531	30,244	31,769
Money market and other interest-earning investments	12,207	11,696	35,813	32,992
Total interest income	917,192	679,925	2,372,552	1,939,569
Interest Expense
Deposits	272,601	229,727	703,184	630,972
Federal funds purchased and interbank borrowings	1,816	292	4,394	3,239
Securities sold under agreements to repurchase	731	612	1,918	2,168
Federal Home Loan Bank advances	57,143	47,719	158,081	133,529
Other borrowings	10,292	9,851	27,933	33,058
Total interest expense	342,583	288,201	895,510	802,966
Net interest income	574,609	391,724	1,477,042	1,136,603
Provision for credit losses	26,738	28,497	164,976	83,602
Net interest income after provision for credit losses	547,871	363,227	1,312,066	1,053,001
Noninterest Income
Wealth and investment services fees	39,684	29,117	105,149	86,779
Service charges on deposit accounts	27,856	20,350	72,890	57,598
Debit card and ATM fees	13,197	11,362	36,110	32,409
Mortgage banking revenue	10,442	7,669	27,353	19,211
Capital markets income	12,629	7,426	24,249	15,055
Company-owned life insurance	7,565	5,315	19,571	14,488
Debt securities gains (losses), net	7	(76)	(110)	(90)
Other income	19,081	12,975	71,560	33,481
Total noninterest income	130,461	94,138	356,772	258,931
Noninterest Expense
Salaries and employee benefits	211,345	147,494	561,762	456,490
Occupancy	34,442	27,130	93,927	80,696
Equipment	12,703	9,888	34,170	27,263
Marketing	15,093	11,036	40,792	32,954
Technology	36,122	23,343	89,594	67,368
Communication	7,742	4,681	16,890	13,161
Professional fees	13,598	7,278	43,448	24,236
FDIC assessment	14,095	11,722	37,204	32,711
Amortization of intangibles	26,184	7,411	52,644	20,291
Amortization of tax credit investments	7,057	3,277	16,296	8,773
Other expense	67,353	19,023	112,244	53,656
Total noninterest expense	445,734	272,283	1,098,971	817,599
Income before income taxes	232,598	185,082	569,867	494,333
Income tax expense	50,031	41,280	117,233	109,018
Net income	182,567	143,802	452,634	385,315
Preferred dividends	(4,034)	(4,034)	(12,101)	(12,101)
Net income applicable to common shareholders	$178,533	$139,768	$440,533	$373,214
Net income per common share - basic	$0.46	$0.44	$1.24	$1.21
Net income per common share - diluted	0.46	0.44	1.23	1.21
Weighted average number of common shares outstanding - basic	389,038	315,622	355,307	307,426
Weighted average number of common shares outstanding - diluted	390,496	317,331	357,278	308,605
Dividends per common share	$0.14	$0.14	$0.42	$0.42

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.