TellerScore

Old National Bank is a national bank headquartered in Evansville, Indiana, in business for about 119 years. At the end of Q2 2026 it reported $73.9B in total assets and $57.0B in deposits, with 360 offices across 9 states.

Based on its Q2 2026 filing, Old National Bank scores 59/100, which we describe as moderate. That is higher than only 25% of 132 banks with $10 billion – $100 billion. Among 88 banks headquartered in Indiana, it ranks 63rd. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (38/100; 8.80%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.80%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.92%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 88.2% · 43.3% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (53 → 59), mostly because the earnings component improved by 14 points.

TellerScore
535659Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202453
Q4 202454
Q1 202554
Q2 202553
Q3 202553
Q4 202555
Q1 202657
Q2 202659
Tier 1 leverage ratio
5.00%7.14%9.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.85%
Q3 20248.95%
Q4 20249.07%
Q1 20259.28%
Q2 20258.98%
Q3 20258.55%
Q4 20258.52%
Q1 20268.67%
Q2 20268.80%
Noncurrent loans
0.92%1.11%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.95%
Q3 20241.22%
Q4 20241.24%
Q1 20251.31%
Q2 20251.27%
Q3 20251.23%
Q4 20251.07%
Q1 20261.04%
Q2 20260.92%
Return on assets
1.04%1.22%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.06%
Q3 20241.10%
Q4 20241.13%
Q1 20251.17%
Q2 20251.04%
Q3 20251.09%
Q4 20251.16%
Q1 20261.35%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$73.9B8.80%0.92%1.41%88.2%
Q1 202657$72.6B8.67%1.04%1.35%87.1%
Q4 202555$71.8B8.52%1.07%1.16%86.8%
Q3 202553$71.0B8.55%1.23%1.09%85.5%
Q2 202553$70.7B8.98%1.27%1.04%86.4%
Q1 202554$53.6B9.28%1.31%1.17%87.2%
Q4 202454$53.2B9.07%1.24%1.13%87.3%
Q3 202453$53.3B8.95%1.22%1.10%87.7%
Q2 202455$52.8B8.85%0.95%1.06%88.6%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.80%
17th
Total risk-based capital12.29%
11th
Problem loans0.92%
27th
Net charge-offs0.26%
27th
Return on assets1.41%
66th
Net interest margin3.60%
50th
Efficiency ratio46.0%
76th
Loans to deposits88.2%
41st
Uninsured deposits43.3%
34th
Loan-loss reserves1.14%
52nd
Texas ratio5.3%
33rd

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
First Merchants BankBank Muncie, IN58 out of 100, Moderate$21.3B10.0%0.82%vs
Merchants Bank of IndianaBank Carmel, IN63 out of 100, Moderate$21.2B11.3%1.18%vs
Centier BankBank Whiting, IN67 out of 100, Moderate$10.4B10.7%0.82%vs

Deposit insurance

Is my money safe at Old National Bank?

Yes. Old National Bank is an FDIC-insured institution (FDIC certificate #3832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.3% of deposits ($24.7B) are above the $250,000 FDIC insurance limit, above the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.80%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.29% (benchmark: 10%).

Check how much of your own balance is covered

360 locations

Branches

Old National Bank lists 342 offices in 260 cities across 9 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 269 consumer complaints about OLD NATIONAL BANCORP to the company (111 in the last 12 months). 99.6% received a timely response. That is 4.7 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Old National Bank reported 16,041 home-loan applications under HMDA (LEI 549300AT7EB9FJAF0E61): 10,956 originated ($4,053,830,000 total), 3,183 denied, and 1,635 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Old National Bank
Former names
The Peoples National Bank in Lawrenceville; The Peoples National Bank of St. Francisville
Type
National bank
FDIC certificate #
3832
RSSD ID
208244
Primary regulator
OCC
Holding company
Old National Bcorp
Established
August 27, 1907
Headquarters
1 Main St, Evansville, IN 47708
Employees
4,377

Quick answers

Old National Bank: common questions

Is Old National Bank FDIC insured?

Yes. Old National Bank is an FDIC-insured institution (FDIC certificate #3832). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Old National Bank's TellerScore?

59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Old National Bank ever failed?

There is no failure record for FDIC certificate #3832 in the FDIC failed bank list.

How many branches does Old National Bank have?

360 offices as of the latest FDIC data, in 9 states.

Nearby

Highest-scoring banks and credit unions with branches near Evansville

InstitutionScoreAssetsCapitalProblem loansCompare
Green River Area Federal Credit UnionCredit union Owensboro, KY89 out of 100, Very strong$60.3M20.7%0.53%vs
Owensboro Federal Credit UnionCredit union Owensboro, KY88 out of 100, Very strong$88.3M14.2%0.26%vs
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs
United Community Bank of West Kentucky, Inc.Bank Morganfield, KY78 out of 100, Strong$524.9M11.0%0.11%vs
Heritage Federal Credit UnionCredit union Newburgh, IN77 out of 100, Strong$1.0B12.3%0.33%vs