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Old National Bancorp (ONB) investor relations material
Old National Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
- Third quarter 2025 results exceeded guidance, with strong profitability, improved efficiency, and robust credit metrics, driven by organic growth and the full quarter impact of the Bremer acquisition. 
- Core EPS grew at a 7.6% CAGR since 2018, and the Bremer systems conversion and integration were completed, now operating under a unified brand. 
- Focus remains on organic growth, capital returns, and strategic talent acquisition, with M&A deprioritized. 
- Net income applicable to common shares for Q3 2025 was $178.5M ($0.46 per share), with adjusted net income at $231.3M ($0.59 per share), reflecting merger-related charges. 
- The Bremer acquisition added $16.3B in assets, $11.1B in loans, and $12.9B in deposits. 
Financial highlights
- Adjusted EPS was $0.59, up 11% sequentially and 28% year-over-year; GAAP EPS was $0.46, with $0.13 in merger-related expenses. 
- Net income applicable to common shares was $179M, up 48% from Q2 and 27% year-over-year; adjusted net income was $231M, up 21% sequentially and 57% year-over-year. 
- Net interest income (FTE) rose to $583M, up 12% sequentially and 46% year-over-year; NIM increased to 3.64%. 
- Adjusted noninterest income was $130.5M, up 16% sequentially and 38% year-over-year; adjusted noninterest expense was $376.5M, with an adjusted efficiency ratio of 48.1%. 
- Tangible book value per share grew to $13.15, up 4% from Q2 and 10% year-over-year. 
Outlook and guidance
- Full year 2025 loan growth guidance (excluding Bremer) is 4%-5%, with all other guidance including Bremer. 
- Net interest income and margin expected to remain stable or improve in Q4 2025; fee income guidance increased. 
- Net charge-off ratio expected at 0.20–0.30% for the year; provision for credit losses at $115–$125M. 
- Management expects continued organic growth in loans and deposits, with ongoing integration of Bremer and CapStar acquisitions. 
- Neutral rate risk position maintained, with NII stability expected regardless of Fed rate actions. 
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