# OLD NATIONAL BANK
EVANSVILLE, IN · FDIC certificate 3832 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $73.86B | |
| Deposits | $56.99B | |
| Loans and leases | $50.82B | |
| Total equity | $8.36B | |
| Loans / deposits | 88.15% (p59 of band) | 85.78% |
| Liquid assets / assets | 21.96% (p46 of band) | |
| Uninsured deposits / deposits | 43.27% (p66 of band) | 38.39% |
| Brokered deposits | 6.10% | |
| Wholesale funding | 16.40% (p83 of band) | |
| FHLB advances / assets | 8.83% | |
| Tier 1 leverage | 8.80% (p17 of band) | 10.17% |
| Unrealized securities loss / equity | -14.16% (p22 of band) | -7.43% |
| AOCI / equity | -0.95% (p17 of band) | |
| ROA (annualized) | 1.41% (p67 of band) | 1.24% |
| Net interest margin | 3.60% (p51 of band) | 3.57% |
| Efficiency ratio | 45.98% (p24 of band) | |
| Noncurrent loans | 0.92% (p73 of band) | 0.66% |
| Net charge-offs (annualized) | 0.18% (p74 of band) | |
| Reserve coverage of noncurrent | 123.90% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 29.27% (p50 of band) | |
| Auto loans | $1.19B (2.34% of loans; DQ 1.32%, NCO 0.01%) | |
| Loans to nondepository financials | $613.3M (7% of equity) (p50 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 4377 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 1 |  | expense ratio p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | wholesale funding >15% |  |
| 2017-12 | 1 |  | wholesale funding >15% |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 | capital falling | expense ratio p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | losing money | reserve under noncurrent |
| 2022-06 | 0 |  | losing money |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | reserve under noncurrent |  |
| 2024-06 | 0 |  | reserve under noncurrent |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 1 | wholesale funding >15% | capital falling |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Old National Bank Names Katie Florig President and Tom Weizenegger Chief Investment Officer of 1834 - Quiver Quantitative](https://news.google.com/rss/articles/CBMizAFBVV95cUxQRFoxSDExYk5OMUc3aUx5T2gxWmwyeU96TGlwclNXSjNEUUgyTXk0Mm9Ma21oTVFSSUVuTVFTRktPMzQ2LV9kcWhVYnlMY256R2gtZHBZeUR5dnZPeEltQ1pJdWV5bzFMblZibnhLYnB2VHNGQWNLa2JYdlV3NkRJNkNSazVTQ09OZ2txOUpvT25nUWMxTjc5TkhKaHRvbW1Id1AzLUFRamNVSWVSUVRDaUpIX0poR3ViNnVJOUxyeWd4TW04OXAwYkNQMkM?oc=5) · Quiver Quantitative
- 2026-09-03 [Old National failed to halt $1.1M fraud on Minneapolis bank account, lawsuit claims - startribune.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxPeG1pY2l6ZjNPUldlSjNrUVZ2TFJ6RlZvc3R4WDN6aXBCdTl5djUya08yYkoyUkxBSGVEdS1yQkdzTjR1TlB3QWN2RUNNUk93MlRmTHVTRk82blkxSkRpUXppeWNFV1BxOEpydWNmSUd6WDlGVVJMdVJOUF81Zmdoc1hXdktBZWljTDNkY2dldVRBZmVvNEZHX0JfZnpCQ2trXzFsa2xZUlVSTFNvM09aZk5TNXh6d0tNWWc?oc=5) · startribune.com
- 2026-09-07 [Post From Community: Old National Bank Foundation 20 for 20 grantee recipient: Milwaukee’s Housing Resources, Inc., helping families turn homeownership into reality - Milwaukee Neighborhood News Service](https://news.google.com/rss/articles/CBMioAJBVV95cUxPanpDLWg1NmxwTm9lck80dWxwbU5kc21vQXRPWkZsYnFSTDlBVkdoS2dudlpuVFQ5MnBxMFNEZklpUWxwWmttbGxaVW5xTDV3dHpQUEtqQUdCbzlWVC1BUnZ6bC02YndiTnRXNWNtMGRUSzk3TDktd1N4d2Z5R3hieDROaEotUy1fRmVGSkRQVUp5bzhlc1RPU2FwdDV1ZjYtb1BLcEtzUWp3bXNKaEhnRGZ0Z08xNzVxVC03dlU3T1NVRFNBODY3Zi1CU0xIaERER1plbnlTNUl2LXhUVWUxSkJkTGhnbm9nQkxDV3dGeHp1YjZISmtMTWZqX296dlE0dGc4NVV4NGprMk5GNjliOHF3UW5QQWZFVzZjNDNVTlY?oc=5) · Milwaukee Neighborhood News Service
- 2026-05-09 [Old National Bank, WNBA’s Indiana Fever Announce Fever Logo-branded Bank Cards and Checks - Indiana Fever](https://news.google.com/rss/articles/CBMitgFBVV95cUxNUFUxZV93N2htZ3N5QUhoR2J3U1A1ajFTcUxvWm90R0Zkb3FsTzhGWFk5T3IwYW1lUTQtem4xU0w0ckYzZVJ3UTVGUWxSZG82WjBRYTZuak1RWnM4c2o3TFZrWHlIUHRNb3lJWDVhU01Xdi1Fa3dDdlY2RGlOZEZsbTlZWVJkYXlwMWhnUGl4VGttSm9SUEN6TDhORk54SmFzbjBOWl9tVjZHcjd2WUdyR0pRb00yZw?oc=5) · Indiana Fever
- 2026-08-19 [Old National Bank lists former Louisville headquarters for $1.5M - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVHQwZkdiQmJ4NU14NmlfTXVpSjJ6ZGF6Z1ZOR0FieDV1V05LM2JPUzZLMHFrWHR0dXYzVzhsa2lsc1NoUkpXc0pNX2RwRFVIa3dvekl6T0tzV3A5bUNhNWR0VnRrOHZJcTBTcGIzeU9qTE1kYjRKWVBnQVpvX3BZank0ZUVhNkZlV3JQXzNDc3RRcVJIRXJ5Y2ozYw?oc=5) · The Business Journals
- 2026-07-22 [Old National Bank’s (NASDAQ:ONB) Q2 CY2026: Beats On Revenue - StockStory](https://news.google.com/rss/articles/CBMiswFBVV95cUxOelYxbDRJdzZrYXhSRnJDakt0R1pCZXVQRzdaYzlhalVDdXdsOElHNEhVcXY3MXpRN0haNE4weVZWbHd5bjFCR1ZKa1lEcWhmWHlJRzdQa0p1eDVCVXdOZXN5NGxBSE1LMEtkMlA4UFZ0bGt5NDRRSS1MWmh6YVNURVg5SGhQSXZUQTZHV3pCRVR0akVFYlpsUGNGQ0s1RUVGRFBXWW5xSWJXSFk1bzJWOGsyMA?oc=5) · StockStory
- 2026-08-19 [Former Louisville Old National Bank office space for sale 3 years after deadly shooting - The Courier-Journal](https://news.google.com/rss/articles/CBMi4AFBVV95cUxQWktyNGp3dVVZYjZiN25ka0lCc3pqTXk0X3JNOE4ySlJIZEJiRFFEd2FsSk9JZ0h1UkJsb3ZWUm9BcjRjVU81NG1FSXk1NlUzblhkaFA5Y21nYVJBU2I0a2s2aVBLTGpaREljZHRsRWpVUTJQVTlKMTFhSW5GY1c4QTIxWGVBWVc4QXBwZ0F2TGRzSUNMRF9HSm11RzNQXzk0QlY1bVhmVnBfMmNBR25ta2tyamZrZzEtUXhUcFQxZERvaTRyVDFDa2RzUW9jcl96eWJ0TEgtdXhTX0RsYWtoVA?oc=5) · The Courier-Journal
- 2026-07-24 [BNY and Nubank CEOs join OpenAI board, shake-up at Old National - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxPUUpuMUR4MXNPLUxLSnNYazBlbGFyYUkxSXRHdkZoVG0yM2JIVjhwb0hxeDJ0OXZyWGRRMkxFQXJIbWxxcnlZSFlFVVczZF9VUHhHMEsxQllIY2tXN2ktQzA2NGlsajZDOC0yVzRtdklTb09VeEtjM2FRTzJuMGw0ck1fbkVvOEJLb3Rkekc3dm1xamFkcWRkaUZnVzdCdGM?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3832 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "3832", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide