BlastPoint's Banking Scorecard

Old National Bank

$10B-$250B Specialty: Commercial IN FDIC cert 3832

Evansville, IN

360 branches across IN · IL · MN · WI · TN · MI · ND · KY · IA · NC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in IN.
Deposits +3.9% year over year ($57.0B on the books).
Delinquency rate 0.93%.
Return on assets 1.41%.
Efficiency ratio 45.98% vs a 53.67% peer average.
Loan-to-deposit ratio 88.15% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in IN

View $10B-$250B leaderboard (IN) →

Old National Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 7.69% below tier average
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.4% in tier
- Net Interest Margin 0.32% below tier average

Get updates when Old National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$73.9B +4.5% YoY +1.7% QoQ	+$30.3B	$43.6B -13.8% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$50.2B +5.9% YoY +2.1% QoQ	+$22.3B	$28.0B -8.6% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$57.0B +3.9% YoY +0.9% QoQ	+$21.6B	$35.4B -14.0% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	1.41% +34.8% YoY +4.0% QoQ	+0.02%	1.39% +25.9% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	65%
Net Interest Margin ?	3.60% +4.3% YoY +0.0% QoQ	-0.32%	3.92% +8.9% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	45.98% -9.6% YoY -1.6% QoQ	-7.69%	53.67% -1.9% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	81%
Delinquency Rate ?	0.93% -27.7% YoY -11.1% QoQ	-0.08%	1.01% -2.8% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	30%
Loan-to-Deposit Ratio ?	88.15% +2.0% YoY +1.2% QoQ	+5.54%	82.61% +3.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	23.80% -1.1% YoY -2.7% QoQ	+3.22%	20.58% +4.9% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	0.64% -26.8% YoY -10.7% QoQ	-0.09%	0.73% +5.8% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	11.34% +4.4% YoY +0.8% QoQ	-4.01%	15.35% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	Bottom 8.6% in tier
Non-Interest Income / Assets ?	0.36% +15.6% YoY +114.4% QoQ	-0.14%	0.50% +10.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	53%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Noninterest-Bearing	23.8% -0.3pp YoY -0.7pp QoQ	+2.8pp	21.0%	16.8%	22.2%	55%
Brokered Deposits	7.9% +1.9pp YoY +0.7pp QoQ	-1.3pp	9.2%	7.2%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	23.2% +0.4pp YoY +0.6pp QoQ	+6.0pp	17.2%	11.1%	12.5%	79%
CRE	45.8% -1.2pp YoY -0.2pp QoQ	+3.8pp	42.0%	36.2%	41.4%	54%
1-4 Family	21.8% 0.0pp YoY -0.2pp QoQ	-1.4pp	23.1%	40.0%	31.3%	51%
Consumer	3.2% 0.0pp YoY 0.0pp QoQ	-9.7pp	12.9%	3.2%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	11.3% +0.5pp YoY +0.1pp QoQ	-3.9pp	15.3%	17.5%	19.7%	9%
Leverage Ratio	8.8% -0.2pp YoY +0.1pp QoQ	-1.6pp	10.4%	13.0%	12.6%	13%
Total Capital Ratio	12.3% +0.5pp YoY +0.1pp QoQ	-4.2pp	16.5%	18.7%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	4,377 -361 (-7.6%) YoY -39 (-0.9%) QoQ	+1,119	3,258	237	482	82%
Assets per Employee ($)	$16.9M +13.1% YoY +2.6% QoQ	-$10.2M	$27.0M	$7.5M	$8.8M	67%
Branch Count	361 -3 (-0.8%) YoY 0 QoQ	+223	137	17	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.2%	0.4%	31%
Nonaccrual	0.9% -0.3pp YoY -0.1pp QoQ	+0.2pp	0.7%	0.8%	1.0%	78%
Allowance Coverage	1.24x +34.1% YoY +11.4% QoQ	-1.57x	2.81x	6.71x	20.23x	29%
Net Charge-off Rate (YTD)	0.3% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.4%	0.1%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	12.4% +3.3pp YoY +0.5pp QoQ	-0.2pp	12.6%	11.2%	11.6%	62%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	-0.1pp	2.0%	1.8%	1.7%	50%
Net Income ($, YTD)	$511.6M +65.8% YoY — QoQ	+$214.8M	$296.8M	$16.3M	$40.4M	85%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#12 of 35 • Bottom 31.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.34%

(Tier: 15.35%, National: 17.09%)

worse than tier avg

35 of 35 Large banks match · 923 nationally

→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

Total Assets

size

Value: $73.86B

Peer Median: $43.60B

#22 of 139 Top 15.1% in $10B-$250B

Total Loans

size

Value: $50.24B

Peer Median: $27.97B

#22 of 139 Top 15.1% in $10B-$250B

Total Deposits

size

Value: $56.99B

Peer Median: $35.42B

#24 of 139 Top 16.5% in $10B-$250B

Efficiency Ratio

profitability

Value: 45.98%

Peer Median: 53.67%

#28 of 139 Top 19.4% in $10B-$250B

Top Weaknesses (1 metrics)

128

Tier 1 Capital Ratio

capital

Value: 11.34%

Peer Median: 15.35%

#128 of 139 Bottom 8.6% in $10B-$250B