UNITED STATES SECURITIES AND EXCHANGE COMMISSION For the quarterly period ended June 30, 2025 Washington, D.C. 20549 or FORM 10-Q ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to ____________ Commission File Number 001-15817 Old National Bancorp (Exact name of registrant as specified in its charter) Indiana 35-1539838 (State or oth ...

Old National Bancorp (NASDAQ: ONB ) is a bank founded back in 1834 and based in Evansville, Indiana. In my last article , I described its ability to grow its loan portfolio over time, but at the same time, its enormous challengeHi there, welcome to my profile. My name is Eugenio Catone, I live in Italy and I am 27 years old.In 2023 I graduated in Business Administration and I completed CFA level 1 in 2024. I am currently a Popular Investor on the investing platform eToro, you can see there my public portfol ...

Core Insights - Old National Bancorp (ONB) reported second quarter 2025 earnings with adjusted EPS of $0.53, reflecting an 18% increase over the prior quarter and a 15% year-over-year growth [1] - The company successfully closed the Bremer Bank partnership ahead of schedule, contributing positively to its financial metrics [1][8] Financial Performance - Tangible book value per share increased by 14% year-over-year, and the Common Equity Tier 1 (CET1) ratio finished at 10.74%, which is 50 basis points above expectations [1][3] - Period-end loans rose by $11.5 billion, with a 3.7% annualized organic loan growth excluding Bremer, while core deposits (excluding brokered) increased just under 1% annualized [3] Capital Management - The unexpected strong capital generation allowed ONB to retain all commercial real estate (CRE) loans initially planned for sale, enhancing its risk absorption capacity [4] - The company maintains a disciplined credit risk oversight, with second quarter net charge-offs totaling 24 basis points, and the allowance for credit losses improved by 8 basis points to 1.24% [5] Credit Risk Oversight - Non-accrual loans as a percentage of total loans decreased by five basis points quarter-over-quarter, indicating effective risk mitigation despite the integration of Bremer's loan book [5] - Approximately 60% of non-accruals are from acquired books with appropriate reserves, supporting best-in-class charge-off ratios [6] Future Guidance - ONB expects full-year 2025 loan growth (excluding Bremer) to be toward the lower end of the 4%-6% range, influenced by intensified CRE competition [7] - The company has increased its net interest income and fee income guidance for the full year, anticipating improvements in accumulated other comprehensive income (AOCI) by year-end [9] Strategic Outlook - The earlier-than-expected closing of the Bremer partnership has added to ONB's 2025 earnings momentum, with financial metrics tracking to exceed initial expectations [8] - No formal share repurchase has been announced, but excess capital could lead to buybacks once the Bremer systems conversion is finalized in mid-October [10]

Old National Bancorp (ONB) Q2 2025 Earnings Call July 22, 2025 10:00 AM ET Company ParticipantsJames Ryan - CEO & ChairmanJohn Moran - CFOJames Sandgren - CEO - Commercial BankingBen Gerlinger - VP - Equity ResearchChristopher Mcgratty - MD & Head - U.S. Bank ResearchJon Arfstrom - MD & Associate Director - US ResearchBrian Foran - Managing DirectorJared Shaw - Managing DirectorTerry Mcevoy - Managing DirectorConference Call ParticipantsR. Scott Siefers - MD & Senior Research AnalystOperatorWelcome to the O ...

Old National Bancorp (ONB) Q2 2025 Earnings Call July 22, 2025 10:00 AM ET Speaker0Welcome to the Old National Bancorp Second Quarter twenty twenty five Earnings Conference Call. This call is being recorded and has been made accessible to the public in accordance with the SEC's Regulation FD. Corresponding presentation slides can be found on the Investor Relations page at oldnational.com and will be archived there for twelve months. Management would like to remind everyone that certain statements on today's ...

Financial Performance Highlights - The company's reported EPS was $0.34, while the adjusted EPS reached $0.53[9] - Net income was reported at $121 million, with an adjusted net income of $191 million[9] - Return on average tangible common equity was 12%, and the adjusted return on average tangible common equity was 18.1%[9] Balance Sheet Strength - Total loans increased by 32% year-over-year to $47.98 billion[11] - Total deposits grew by 36% year-over-year to $54.358 billion[11] - Available-for-sale securities increased by 55% year-over-year to $11.005 billion[11] Bremer Acquisition Impact - The acquisition of Bremer was completed on May 1, 2025, strengthening the company's presence in the Midwest[10] - The Day 2 Provision (non-PCD loans & unfunded loan commitments) was $76 million[53] - Core deposit intangibles related to the Bremer acquisition amounted to $397 million[53] Net Interest Income and Margin - Net interest income (FTE) increased by 33% compared to the previous quarter, reaching $522 million[27] - Net interest margin (NIM) (FTE) increased by 26 bps from the previous quarter to 3.53%[27]

Old National Bancorp (ONB) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.46 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +3.92%. A quarter ago, it was expected that this holding company for Old National Bank would post earnings of $0.42 per share when it actually produced earnings of $0.45, delivering a surprise of +7.14%.Over th ...

Exhibit 99.1 "Old National's impressive second quarter results were achieved through a strong focus on the fundamentals: Growing our balance sheet, expanding our fee-based businesses, and controlling expenses," said Chairman and CEO Jim Ryan. "Additionally, with the successful closing of our partnership with Bremer on May 1, 2025, Old National is well-positioned for the remainder of the year, benefiting from a larger balance sheet and a stronger capital position." "We are thrilled to welcome Tim Burke as Ol ...

Wall Street analysts expect Old National Bancorp (ONB) to post quarterly earnings of $0.51 per share in its upcoming report, which indicates a year-over-year increase of 10.9%. Revenues are expected to be $623.08 million, up 29.3% from the year-ago quarter.The current level reflects an upward revision of 1.4% in the consensus EPS estimate for the quarter over the past 30 days. This demonstrates how the analysts covering the stock have collectively reappraised their initial projections over this period.Prior ...

Core Viewpoint - Old National Bancorp (ONB) has reached a significant support level and is considered a good investment opportunity from a technical perspective due to the recent "golden cross" formation in its moving averages [1]. Technical Analysis - ONB's 50-day simple moving average has recently broken above its 200-day moving average, indicating a bullish breakout [1]. - A golden cross is characterized by a downtrend that bottoms out, followed by the shorter moving average crossing above the longer moving average, leading to an upward price momentum [2]. Performance Metrics - Over the past four weeks, ONB has gained 13.4%, suggesting positive momentum [3]. - The stock currently holds a 2 (Buy) rating on the Zacks Rank, indicating potential for further breakout [3]. - Earnings expectations for ONB have improved, with two upward revisions and no downward changes in estimates over the past 60 days, further supporting the bullish outlook [3]. Investment Consideration - Given the technical indicators and positive earnings estimate movements, investors are encouraged to consider adding ONB to their watchlist [5].