ONBMEDIUM SIGNALFINANCIAL10-K

Old National Bancorp shows strong organic growth with total assets expanding 35% to $72.2B alongside meaningful increases in deposits, equity, and profitability metrics.

The substantial balance sheet expansion coupled with 25% net interest income growth suggests successful execution of the bank's regional growth strategy in the Midwest and Southeast markets. The company appears to be effectively deploying capital while maintaining healthy profitability trends, though investors should monitor whether this growth pace is sustainable.

Comparing 2026-02-19 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

ONB delivered broad-based financial expansion with total assets growing 35% to $72.2B, driven by a 35% increase in deposits to $55.1B and corresponding growth in liabilities and stockholders' equity. The bank maintained strong profitability with net interest income rising 25% to $3.3B and net income growing 24% to $669.3M. Notably, dividends paid grew substantially while the company increased capital expenditures 46% to $44.1M, suggesting confidence in future growth prospects alongside enhanced shareholder returns.

FINANCIAL STATEMENT CHANGES
Dividends Paid
Cash Flow
+91.3%
$92.8M$177.6M

Dividend payments increased 91.3% — management confidence in sustained cash generation.

Cash & Equivalents
Balance Sheet
+48.7%
$1.2B$1.8B

Cash position surged 48.7% — strong cash generation or capital raise providing significant financial cushion.

Capital Expenditure
Cash Flow
+45.6%
$30.3M$44.1M

Capital expenditure jumped 45.6% — major investment cycle underway; assess returns on deployment.

Total Deposits
Balance Sheet
+34.9%
$40.8B$55.1B

Deposits grew 34.9% — expanding customer base or increased trust in the institution.

Total Liabilities
Balance Sheet
+34.8%
$47.2B$63.7B

Liabilities grew 34.8% — significant increase in debt or obligations, assess impact on financial flexibility.

Total Assets
Balance Sheet
+34.7%
$53.6B$72.2B

Asset base grew 34.7% — expansion through organic growth, acquisitions, or capital deployment.

Stockholders Equity
Balance Sheet
+34%
$6.3B$8.5B

Equity base grew 34% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Net Interest Income
P&L
+25.7%
$2.6B$3.3B

Net interest income grew 25.7% — benefiting from rate environment or loan book expansion.

Net Income
P&L
+24.1%
$539.2M$669.3M

Net income grew 24.1% — bottom-line growth signals improving overall business health.

Total Debt
Balance Sheet
+13.6%
$218.9M$248.8M

Debt rose 13.6% — additional borrowing for investment or operations; monitor coverage ratios.

LANGUAGE CHANGES
NEW — 2026-02-19
PRIOR — 2025-02-19
ADDED
Through Old National Bank and our non-bank affiliates, we provide a wide range of services primarily throughout the Midwest and Southeast regions of the United States.
We earn interest income on loans as well as fee income from the origination of loans and from providing other services to our clients.
Residential real estate loans are either kept in our loan portfolio or sold to secondary investors.
HUMAN CAPITAL RESOURCES At December 31, 2025, we employed 4,971 full time equivalent team members.
Attracting, developing, and retaining top talent is a strategic priority supported by integrated talent and succession planning, structured hiring practices, comprehensive total rewards, and meaningful growth opportunities.
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REMOVED
Securities and Exchange Commission SOFR: Secured Overnight Financing Rate 3 OLD NATIONAL BANCORP 2024 ANNUAL REPORT ON FORM 10-K FORWARD-LOOKING STATEMENTS This report contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 (the Act ), notwithstanding that such statements are not specifically identified as such.
Through our wholly owned banking subsidiary and non-bank affiliates, we provide a wide range of services primarily throughout the Midwest and Southeast regions of the United States.
We earn interest income on loans as well as fee income from the origination of loans.
Residential real estate loans are either kept in our loan portfolio or sold to secondary investors, with gains or losses from the sales being recognized.
HUMAN CAPITAL RESOURCES At December 31, 2024, we employed 4,066 full-time equivalent team members.
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