Old National Bancorp(ONB) - 2025 Q3 - Earnings Call Presentation

Financial Performance - The company reported a Return on Average Tangible Common Equity (ROATCE) of 15.9%, which adjusted to 20.1%[11] - The company reported a Return on Average Assets (ROAA) of 1.03%, which adjusted to 1.32%[11] - The company's efficiency ratio was 58.8%, adjusted to 48.1%[11] - Net income applicable to common shares was $179 million, which adjusted to $231 million[12] - Earnings per share (EPS) was $0.46, adjusted to $0.59[12] Balance Sheet and Capital - Total loans reached $48.048 billion[15] - Total assets amounted to $71.210 billion[15] - Total deposits were $55.006 billion[15] - The CET1 capital to Risk Weighted Assets (RWA) ratio was 11.02%[15] - Tangible common book value per share grew by 17.5% annualized[12] Credit Quality - Criticized and classified loans decreased by 6%, a reduction of $223 million[11, 14] - Net charge-offs (NCOs) were 0.25%, or 25 bps, with 0.17%, or 17 bps, excluding Purchased Credit Deteriorated (PCD) loans[14]