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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Indiana, the state note

Old National Bank

Evansville, Indiana · $73.86B in assets · beside the 11 other the Great Lakes states banks over $10B (the state alone holds too few in the band to rank)

The filing

0.92%
NPA / loans
10th of 12
1.2x
Coverage of noncurrent
10th of 12
251.6%
CRE / capital
10th of 12

Old National Bank is the second largest of the 12 the Great Lakes states banks nearest its size over $10B, with $73.86B in assets at 30 June 2026. Loans are 89.2% of deposits, 6th of 12 against a median of 89.7%, and equity is 11.3% of assets, 7th of 12. Loans grew +5.9% in the year, 8th of 12, and deposits grew 3.9%; the cohort's median loan growth is +15.1%.

Noncurrent loans are 0.92% of the book, 10th of 12 against a median of 0.76%; 0.28% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.25% of loans, 10th of 12. Commercial real estate is 33.6% of loans, 9th of 12 against a median of 28.7%, and 252% of capital, below the 300% screen, with construction at 36% against the 100% screen. CRE has grown +60.9% over 36 months, past the guidance's 50% prong.

Return on assets is 1.39%, 7th of 12 against a median of 1.43%, on an efficiency ratio of 49.4%, 4th of 12. Five years ago it was 1.30%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansGreat Lakes states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 0.76% NT Northern Trust Co. 0.23% TF Third Federal Savings & Loan Association of Cleveland 0.25% AB Associated Bank N.A. 0.42% BB Busey Bank 0.51% NN Nicolet National Bank 0.63% FF First Financial Bank 0.70% CB Centier Bank 0.82% FM First Merchants Bank 0.82% PN Park National Bank 0.86% ON Old National Bank 0.92% MB Merchants Bank of Indiana 1.18% CB CIBC Bank USA 1.35%
Loans, year over yearGreat Lakes states banks over $10B · 30 June 2026 · no better direction, largest first
median +15.1% NN Nicolet National Bank +64.5% PN Park National Bank +22.2% AB Associated Bank N.A. +19.1% FM First Merchants Bank +17.1% FF First Financial Bank +16.6% MB Merchants Bank of Indiana +15.5% CB CIBC Bank USA +14.6% ON Old National Bank +5.9% CB Centier Bank +4.4% TF Third Federal Savings & Loan Association of Cleveland +3.6% NT Northern Trust Co. +1.2% BB Busey Bank -4.5%

SBA 7(a), FY2008 to FY2026

Old National Bank is the 1st largest 7(a) lender into Minnesota of 444, with $1.05B across 2,156 loans, 10.7% of everything approved in the state (Old National Bank leads with $1.05B). 184 of its 412 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Hennepin, MN$294M1st of 22810.1%-2.9 pts
Cook, IL$128M8th of 2821.9%+1.7 pts
Dakota, MN$107M1st of 16013.0%+3.1 pts
Ramsey, MN$91M2nd of 1399.6%-1.8 pts
Washington, MN$72M1st of 10917.0%+5.6 pts
Anoka, MN$66M2nd of 1369.1%-8.9 pts
Washtenaw, MI$66M2nd of 9314.3%-1.7 pts
Marion, IN$64M4th of 1723.9%-0.2 pts
Waukesha, WI$51M5th of 1224.5%+10.8 pts
Milwaukee, WI$46M9th of 1443.5%+1.5 pts
Kent, MI$45M4th of 1244.3%+3.5 pts
Dupage, IL$40M8th of 1882.1%+2.9 pts
Stearns, MN$37M4th of 769.5%-2.2 pts
399 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing614$544M20.2%1.37%11th of 2,246
Retail trade507$278M10.3%0.46%47th of 2,589
Health care & social assistance481$254M9.5%0.54%35th of 2,172
Accommodation & food services495$249M9.3%0.32%75th of 2,596
Construction443$245M9.1%0.77%28th of 2,063
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and Old National Bank
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Old National BankRankCohort median
Total CRE against capital, the 300% screen252%10th of 12190%
Construction against capital, the 100% screen36%5th of 1241%
Construction and land development, share of loans4.8%3rd of 126.0%
Non-owner-occupied nonfarm nonresidential, share of loans17.2%7th of 1216.6%
Total CRE, the guidance definition, share of loans33.6%9th of 1228.7%
CRE growth over 36 months, the third prong+60.9%9th of 12+24.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Northern Trust Co.$178.57B1.6%70.3%0.23%0.00%0.4%29.6%6.7%
Old National Bank$73.86B1.4%49.4%0.92%0.25%1.1%89.2%11.3%
CIBC Bank USA$66.50B1.5%36.8%1.35%0.25%1.1%84.2%17.4%
Associated Bank N.A.$51.76B1.0%58.8%0.42%0.16%1.2%91.2%10.4%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
First Merchants Bank$21.32B0.7%65.2%0.82%0.18%1.5%93.0%12.8%
Merchants Bank of Indiana$21.17B1.5%40.2%1.18%0.39%0.4%121.1%11.0%
Busey Bank$18.15B1.3%59.9%0.51%0.21%1.2%87.1%13.7%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Nicolet National Bank$15.39B1.0%64.9%0.63%0.03%1.2%87.0%15.0%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Centier Bank$10.41B1.5%48.2%0.82%0.08%1.2%92.3%9.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Old National BankCohort median
20212026Change20212026Change
Loans$13.83B$50.82B+267%$9.34B$15.94B+71%
Deposits$17.97B$56.99B+217%$10.80B$15.97B+48%
NPA / loans0.96%0.92%-0.04 pts0.51%0.76%+0.25 pts
Efficiency59.2%49.4%-9.8 pts56.5%58.1%+1.6 pts
ROA1.30%1.39%+0.09 pts1.36%1.43%+0.07 pts

This read was prepared for Old National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Old National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Great Lakes states banks over $10B
Institution www.oldnational.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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