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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.Q3 2025 earnings summary22 Oct, 2025
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.
What future benefits from Bremer conversion?
Detail proactive loan portfolio actions
What segments drive NCOs, especially PCD loans?
What drives future share repurchase pace?
Bremer footprint's expected growth contribution
How does ONB avoid NDFI loan risks?
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Next Old National Bancorp earnings date
Q4 202521 Jan, 2026
Next Old National Bancorp earnings date
Q4 202521 Jan, 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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