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Old National Bancorp
Old National Bancorp (ONB) investor relations material
Old National Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary21 Jan, 2026
Executive summary
Achieved record adjusted EPS, net income, and efficiency ratio for full-year 2025, with strong Q4 results and peer-leading profitability metrics.
Completed successful integration of Bremer Bank, significantly expanding presence, balance sheet, and deposit base.
Focused on core deposit growth, disciplined credit management, and capital strength, driving tangible book value per share up 15% year-over-year.
Prioritized organic growth, talent investment, and disciplined capital returns, with 2.2 million shares repurchased in 2025.
Financial highlights
Full-year 2025 adjusted EPS was $2.21, net income $809M, and Q4 adjusted EPS was $0.62, net income $241M.
ROAA was 1.26% for the year and 1.37% for Q4; ROATCE was 18.6% for the year and 19.9% for Q4.
Total loans grew 34% YoY (5.1% excluding Bremer); total deposits up 35% YoY (4.9% excluding Bremer).
Tangible book value per share up 15% YoY to $13.71; efficiency ratio improved to 51.6% (46.0% adjusted) in Q4.
Net interest margin (NIM) at 3.65% in Q4, up 35 bps YoY; PPNR was $312.3M, adjusted PPNR $349.6M, up 4% sequentially.
Outlook and guidance
2026 guidance: full-year loan growth of 4%-6%, net interest income ~$2.42B, noninterest income $485–505M, noninterest expense $1.44–1.46B.
Net charge-off ratio expected at 0.25–0.30%; positive operating leverage and over 15% EPS growth YoY projected.
Expect stable to improving net interest income and margin, with two 25bp rate cuts assumed and neutral rate risk position.
Fee income expected to remain strong, especially in mortgage and capital markets.
Core deposit decline: What are the drivers?
Credit quality: Drivers of higher provision/delinquencies?
Noninterest income: Drivers of record capital markets?
How will 2026 share repurchases pace?
What drives 2026 loan growth beyond market?
What is the remaining deposit cost reduction potential?
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Next Old National Bancorp earnings date
Q1 202621 Apr, 2026
Old National Bancorp
Next Old National Bancorp earnings date
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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