BlastPoint's Banking Scorecard
Old National Bank
Large
Specialty: Commercial
IN
FDIC cert 3832
Evansville, IN
69
banks in Large tier nationally
1 in IN
View Large leaderboard (IN) →
Old National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Tier 1 Capital Ratio 2.28% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.8B
+34.8% YoY
+1.1% QoQ
|
-$3.1B |
$74.9B
-4.4% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$48.2B
+34.3% YoY
+1.6% QoQ
|
+$1.8B |
$46.4B
-2.1% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$55.6B
+35.2% YoY
+0.1% QoQ
|
-$4.9B |
$60.5B
-4.5% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
67% |
| Return on Assets ? |
1.16%
+2.6% YoY
+6.5% QoQ
|
-0.03% |
1.19%
+17.8% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.63%
+7.3% YoY
+1.4% QoQ
|
+0.17% |
3.46%
+13.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
51.80%
-4.1% YoY
-2.0% QoQ
|
-3.23% |
55.03%
-2.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
1.09%
-13.7% YoY
-13.0% QoQ
|
+0.21% |
0.88%
-0.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
86.79%
-0.6% YoY
+1.5% QoQ
|
+5.07% |
81.72%
+3.9% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
24.82%
+4.8% YoY
+4.0% QoQ
|
+4.84% |
19.97%
+0.5% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.74%
-13.7% YoY
-12.4% QoQ
|
+0.18% |
0.55%
+9.0% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
11.05%
-6.5% YoY
-1.7% QoQ
|
-2.28% |
13.33%
-0.7% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
Bottom 6% in tier |
| Non-Interest Income / Assets ? |
0.63%
-3.3% YoY
+30.1% QoQ
|
-0.46% |
1.09%
+2.4% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Tier 1 Capital Ratio
metric
Bottom 6%
in Large
Why this stands out
Current:
11.05%
(Tier avg: 13.33%, National avg: 9.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Efficiency Ratio
Current: 51.80% · Tier avg: 55.03%
68
68th pctile
Total Loans
Current: $48.2B · Tier avg: $46.4B
67
67th pctile
Total Assets
Current: $71.8B · Tier avg: $74.9B
67
67th pctile
Total Deposits
Current: $55.6B · Tier avg: $60.5B
65
65th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.46%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 24.82% · Tier avg: 19.97%
48
48th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.19%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.79% · Tier avg: 81.72%
40
40th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.09%
28
28th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.88%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.55%
6
6th pctile
Tier 1 Capital Ratio
Current: 11.05% · Tier avg: 13.33%
Top Weaknesses
6
6th pctile
Tier 1 Capital Ratio
Current: 11.05% · Tier avg: 13.33%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.74% · Tier avg: 0.55%
28
28th pctile
Delinquency Rate
Current: 1.09% · Tier avg: 0.88%
40
40th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 1.09%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.79% · Tier avg: 81.72%
48
48th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.19%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 24.82% · Tier avg: 19.97%
65
65th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.46%
67
67th pctile
Total Deposits
Current: $55.6B · Tier avg: $60.5B
67
67th pctile
Total Assets
Current: $71.8B · Tier avg: $74.9B
68
68th pctile
Total Loans
Current: $48.2B · Tier avg: $46.4B
70
70th pctile
Efficiency Ratio
Current: 51.80% · Tier avg: 55.03%