SEC EDGAR · 10-Q
10-Q – 2026-07-29 – onb-20260630.htm

341758 tecken · 2 HTML-del(ar)
Fulltext som ren TXT · Öppna originalkällan
Automatiskt nyckeltalsindex

Detta är sökträffar och textkontext, inte verifierade eller normaliserade redovisningsvärden.
Omsättning
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds | 75
Debit card and ATM fees 13,092 12,922 25,130 22,913 | Mortgage banking revenue 11,163 10,032 20,717 16,911
Debt securities (gains) losses, net ( 41 ) 117 | Net (gains) losses on sales of loans and other assets ( 8,767 ) ( 7,282 ) | Increase in cash surrender value of company-owned life insurance ( 16,092 ) ( 12,006 )
Residential real estate loans originated for sale ( 699,869 ) ( 545,592 ) | Proceeds from sales of residential real estate loans 715,879 517,410 | (Increase) decrease in interest receivable 4,952 ( 24,949 )
Proceeds from maturities, prepayments, and calls of investment securities available-for-sale 1,440,775 678,703 | Proceeds from sales of investment securities available-for-sale 91,308 2,082,054 | Proceeds from maturities, prepayments, and calls of investment securities held-to-maturity 56,515 34,859
Proceeds from maturities, prepayments, and calls of investment securities held-to-maturity 56,515 34,859 | Proceeds from sales of Federal Home Loan Bank/Federal Reserve Bank stock 9,933 68,977 | Proceeds from sales of equity securities 9,230 3,292
Proceeds from sales of Federal Home Loan Bank/Federal Reserve Bank stock 9,933 68,977 | Proceeds from sales of equity securities 9,230 3,292 | Loan originations and payments, net ( 2,005,311 ) ( 495,227 )
Loan originations and payments, net ( 2,005,311 ) ( 495,227 ) | Proceeds from sales of commercial loans 15,289 95,298 | Proceeds from company-owned life insurance death benefits 13,769 7,029
Periodens resultat
Note 4. Net Income Per Common Share | 13
Income tax expense 70,771 30,298 132,368 67,202 | Net income 253,414 125,408 487,086 270,067 | Preferred dividends ( 4,033 ) ( 4,033 ) ( 8,067 ) ( 8,067 )
Preferred dividends ( 4,033 ) ( 4,033 ) ( 8,067 ) ( 8,067 ) | Net income applicable to common shareholders $ 249,381 $ 121,375 $ 479,019 $ 262,000 | Net income per common share - basic $ 0.65 $ 0.34 $ 1.25 $ 0.78
Net income applicable to common shareholders $ 249,381 $ 121,375 $ 479,019 $ 262,000 | Net income per common share - basic $ 0.65 $ 0.34 $ 1.25 $ 0.78 | Net income per common share - diluted 0.65 0.34 1.24 0.77
Net income per common share - basic $ 0.65 $ 0.34 $ 1.25 $ 0.78 | Net income per common share - diluted 0.65 0.34 1.24 0.77 | Weighted average number of common shares outstanding - basic 381,864 360,155 383,845 338,162
(dollars in thousands) 2026 2025 2026 2025 | Net income $ 253,414 $ 125,408 $ 487,086 $ 270,067
Net income — — — 144,659 — 144,659 | Other comprehensive income (loss) — — — — 97,534 97,534
Balance, March 31, 2025 230,500 319,236 4,572,106 2,061,321 ( 648,509 ) 6,534,654 | Net income — — — 125,408 — 125,408 | Other comprehensive income (loss) — — — — 48,901 48,901
Kassaflöde
(dollars in thousands) 2026 2025 | Supplemental Cash Flow Information:
Commercial Real Estate | Commercial real estate loans are classified primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts, and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be adversely affected by conditions in the real estate markets or in the general econ | Included with commercial real estate are construction loans, which are underwritten utilizing independent appraisal reviews, sensitivity analysis of absorption and lease rates, financial analysis of the developers and property owners, and feasibility studies, if available. Construction loans are generally based on estimates of costs and value associated with the complete project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repaym
Credit Quality | Old National’s management monitors the credit quality of its loans on an ongoing basis with the asset quality rating (“AQR”) for commercial, commercial real estate, and BBCC loans reviewed annually or at renewal and the performance of its residential and consumer loans based upon the accrual status refreshed at least quarterly. Internally, management assigns an AQR to each non-homogeneous commercial, commercial real estate, and BBCC loan in the portfolio. The primary determinants of the AQR are | Special Mention . Loans categorized as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of Old National’s credit position at some future date.
Supplemental cash flow information related to leases was as follows:
Subsequent changes in fair value for a hedging instrument that has been designated and qualifies as part of a hedging relationship are accounted for in the following manner: | Cash flow hedges : changes in fair value are recognized as a component in other comprehensive income (loss). | Fair value hedges : changes in fair value are recognized concurrently in earnings.
The change in fair value of the hedging instrument that is included in the assessment of hedge effectiveness is presented in the same income statement line item that is used to present the earnings effect of the hedged item. | Cash Flow Hedges | Interest rate swaps of certain borrowings were designated as cash flow hedges totaling $ 50.0 million notional amount at both June 30, 2026 and December 31, 2025. Interest rate swaps, collars, and floors related to variable-rate commercial loan pools were designated as cash flow hedges totaling $ 3.2 billion notional amount at June 30, 2026 and $ 2.3 billion notional amount at December 31, 2025. The hedges were determined to be effective during all periods presented and we expect them to remain
Cash Flow Hedges | Interest rate swaps of certain borrowings were designated as cash flow hedges totaling $ 50.0 million notional amount at both June 30, 2026 and December 31, 2025. Interest rate swaps, collars, and floors related to variable-rate commercial loan pools were designated as cash flow hedges totaling $ 3.2 billion notional amount at June 30, 2026 and $ 2.3 billion notional amount at December 31, 2025. The hedges were determined to be effective during all periods presented and we expect them to remain | Old National has designated its interest rate collars as cash flow hedges. The structure of these instruments is such that Old National pays the counterparty an incremental amount if the collar index exceeds the cap rate. Conversely, Old National receives an incremental amount if the index falls below the floor rate. No payments are required if the collar index falls between the cap and floor rates.
Interest rate swaps of certain borrowings were designated as cash flow hedges totaling $ 50.0 million notional amount at both June 30, 2026 and December 31, 2025. Interest rate swaps, collars, and floors related to variable-rate commercial loan pools were designated as cash flow hedges totaling $ 3.2 billion notional amount at June 30, 2026 and $ 2.3 billion notional amount at December 31, 2025. The hedges were determined to be effective during all periods presented and we expect them to remain | Old National has designated its interest rate collars as cash flow hedges. The structure of these instruments is such that Old National pays the counterparty an incremental amount if the collar index exceeds the cap rate. Conversely, Old National receives an incremental amount if the index falls below the floor rate. No payments are required if the collar index falls between the cap and floor rates. | Old National has designated its interest rate floor transactions as cash flow hedges. The structure of these instruments is such that Old National receives an incremental amount if the index falls below the floor strike rate. No payments are required if the index remains above the floor strike rate.
Likvida medel
Money market and other interest-earning investments 1,179,526 1,234,532 | Total cash and cash equivalents 1,768,180 1,826,177 | Equity securities, at fair value 131,113 128,857
Net cash flows provided by (used in) financing activities 1,712,827 1,084,452 | Net increase (decrease) in cash and cash equivalents ( 57,997 ) 580,603 | Cash and cash equivalents at beginning of period 1,826,177 1,227,968
Net increase (decrease) in cash and cash equivalents ( 57,997 ) 580,603 | Cash and cash equivalents at beginning of period 1,826,177 1,227,968 | Cash and cash equivalents at end of period $ 1,768,180 $ 1,808,571
Cash and cash equivalents at beginning of period 1,826,177 1,227,968 | Cash and cash equivalents at end of period $ 1,768,180 $ 1,808,571
Assets | Cash and cash equivalents $ 449,757 | Equity securities 26,070
Nettoskuld
Increase (decrease) in accrued expenses and other liabilities ( 104,264 ) ( 173,188 ) | Net cash flows provided by (used in) operating activities 486,377 181,093 | Cash Flows From Investing Activities
Purchases of premises and equipment and other assets ( 17,264 ) ( 14,603 ) | Net cash flows provided by (used in) investing activities ( 2,257,201 ) ( 684,942 ) | Cash Flows From Financing Activities
Common stock issued for forward sale agreements — 443,236 | Net cash flows provided by (used in) financing activities 1,712,827 1,084,452 | Net increase (decrease) in cash and cash equivalents ( 57,997 ) 580,603
Eget kapital
Consolidated Statements of Changes in Shareholders’ Equity (unaudited) | 7
Total liabilities 65,605,574 63,657,179 | Shareholders’ Equity | Preferred stock, 2,000 shares authorized, 231 shares issued and outstanding
Accumulated other comprehensive income (loss), net of tax ( 558,141 ) ( 478,671 ) | Total shareholders’ equity 8,583,843 8,494,788 | Total liabilities and shareholders’ equity $ 74,189,417 $ 72,151,967
Total shareholders’ equity 8,583,843 8,494,788 | Total liabilities and shareholders’ equity $ 74,189,417 $ 72,151,967
OLD NATIONAL BANCORP | CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (unaudited) | (dollars in thousands, except per
Comprehensive Income (Loss) Total | Shareholders’ Equity | December 31, 2024 $ 230,500 $ 318,980 $ 4,570,865 $ 1,966,048 $ ( 746,043 ) $ 6,340,350
The unrecognized losses on held-to-maturity investment securities presented in the table above do not include unrecognized losses on securities that were transferred from available-for-sale to held-to-maturity totaling $ 86.9 million at June 30, 2026 and $ 94.1 million at December 31, 2025. These unrecognized losses are included as a separate component of shareholders’ equity and are being amortized over the remaining term of the securities. | No allowance for credit losses on available-for-sale debt securities was needed at June 30, 2026 or December 31, 2025.
Total borrowed funds 8,423,983 7,823,198 7,451,367 6,766,381 7,346,098 | Total shareholders’ equity 8,583,843 8,510,653 8,494,788 8,309,271 8,126,387 | Capital Ratios:
Antal aktier
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☑ | The registrant has one class of common stock (no par value) with 382,570,000 shares outstanding at July 28, 2026.
Net income per common share - diluted 0.65 0.34 1.24 0.77 | Weighted average number of common shares outstanding - basic 381,864 360,155 383,845 338,162 | Weighted average number of common shares outstanding - diluted 383,273 361,436 385,697 340,250
Weighted average number of common shares outstanding - basic 381,864 360,155 383,845 338,162 | Weighted average number of common shares outstanding - diluted 383,273 361,436 385,697 340,250 | Dividends per common share $ 0.145 $ 0.14 $ 0.29 $ 0.28
NOTE 4 – NET INCOME PER COMMON SHARE | Basic and diluted net income per common share are calculated using the two-class method. Net income applicable to common shares is divided by the weighted-average number of common shares outstanding during the period. Adjustments to the weighted-average number of common shares outstanding are made only when such adjustments will dilute net income per common share. Net income applicable to common shares is then divided by the weighted-average number of common shares and common share equivalents d | The following table presents the calculation of basic and diluted net income per common share:
Weighted average common shares outstanding: | Weighted average common shares outstanding (basic) 381,864 360,155 383,845 338,162
Weighted average common shares outstanding: | Weighted average common shares outstanding (basic) 381,864 360,155 383,845 338,162 | Effect of dilutive securities:
Weighted average diluted shares outstanding 383,273 361,436 385,697 340,250 | Basic Net Income Per Common Share $ 0.65 $ 0.34 $ 1.25 $ 0.78
$ 250,375 $ 237,650 $ 240,974 $ 231,308 $ 190,853 | Weighted average diluted common shares outstanding 383,273 388,054 389,550 390,496 361,436 | Net income per common share, diluted $ 0.65 $ 0.59 $ 0.55 $ 0.46 $ 0.34
Antal anställda
Nonfinancial Data: | Full-time equivalent employees 4,914 4,948 4,971 5,243 5,313 | Banking centers 346 346 346 351 351
Organisk tillväxt
Average loans, including loans held-for-sale, increased $6.0 billion and $9.4 billion for the three and six months ended June 30, 2026, respectively, compared to the same periods in 2025 primarily due to Bremer loans acquired as well as strong commercial and commercial real estate loan growth. Bremer loans totaled $11.2 billion at the close of the acquisition. | Average noninterest-bearing deposits increased $1.3 billion while average interest-bearing deposits increased $4.4 billion for the three months ended June 30, 2026 when compared to the same period in 2025 reflecting Bremer deposits assumed and organic growth. Average noninterest-bearing deposits increased $2.5 billion while average | 60
interest-bearing deposits increased $7.6 billion for the six months ended June 30, 2026 when compared to the same period in 2025 reflecting Bremer deposits assumed and organic growth. Bremer deposits assumed totaled $12.9 billion at the close of the acquisition. | Provision for Credit Losses
Noninterest income for three and six months ended June 30, 2026 included a $13.2 million gain in other income associated with the settlement of the Bremer pension plan. Noninterest income for the three and six months ended June 30, 2025 included a $21.0 million gain in other income associated with the freezing of benefits of the Bremer pension plan. Excluding these gains, noninterest income increased $28.8 million and $57.4 million for the three and six months ended June 30, 2026, respectively, | 61
The increase in total deposits was due to organic growth. We use wholesale funding to augment deposit funding and to help maintain our desired interest rate risk position. Wholesale funding as a percentage of total funding was 13% at June 30, 2026, compared to 12% at December 31, 2025. The increase in other borrowings was due to the issuance and sale of $450.0 million aggregate principal amount of subordinated notes in January 2026. The Company intends to use the net proceeds from this offering | Capital
Fulltext

Dokumentet är delat för att hålla varje sida lätt att hämta. Del 1 · Del 2
onb-20260630 FALSE 2026 Q2 0000707179 --12-31 http://fasb.org/us-gaap/2026#FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest http://fasb.org/us-gaap/2026#FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest 4.5917808219178085 7.394520547945206 6.5917808219178085 6.493150684931507 9.789041095890411 8.263013698630138 5.69041095890411 7.295890410958904 5 6.69041095890411 5 7.098630136986301 8.394520547945206 7.887671232876713 http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#AccruedLiabilitiesAndOtherLiabilities http://fasb.org/us-gaap/2026#AccruedLiabilitiesAndOtherLiabilities http://fasb.org/us-gaap/2026#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2026#PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization http://fasb.org/us-gaap/2026#OtherBorrowings http://fasb.org/us-gaap/2026#OtherBorrowings http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#InterestReceivableAndOtherAssets http://fasb.org/us-gaap/2026#NoninterestExpense http://fasb.org/us-gaap/2026#NoninterestExpense http://fasb.org/us-gaap/2026#NoninterestExpense http://fasb.org/us-gaap/2026#NoninterestExpense http://fasb.org/us-gaap/2026#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2026#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2026#IncomeTaxExpenseBenefit http://fasb.org/us-gaap/2026#IncomeTaxExpenseBenefit http://xbrl.sec.gov/country/2026#US xbrli:shares iso4217:USD iso4217:USD xbrli:shares xbrli:pure onb:security onb:portfolio onb:segment onb:property 0000707179 2026-01-01 2026-06-30 0000707179 us-gaap:CommonStockMember 2026-01-01 2026-06-30 0000707179 onb:DepositarySharesEachRepresentingA140thInterestInAShareOfNonCumulativePerpetualPreferredStockSeriesAMember 2026-01-01 2026-06-30 0000707179 onb:DepositarySharesEachRepresentingA140thInterestInAShareOfNonCumulativePerpetualPreferredStockSeriesCMember 2026-01-01 2026-06-30 0000707179 2026-07-28 0000707179 2026-06-30 0000707179 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:ConsumerPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0000707179 2026-04-01 2026-06-30 0000707179 2025-04-01 2025-06-30 0000707179 2025-01-01 2025-06-30 0000707179 us-gaap:PreferredStockMember 2024-12-31 0000707179 us-gaap:CommonStockMember 2024-12-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2024-12-31 0000707179 us-gaap:RetainedEarningsMember 2024-12-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2024-12-31 0000707179 2024-12-31 0000707179 us-gaap:RetainedEarningsMember 2025-01-01 2025-03-31 0000707179 2025-01-01 2025-03-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-03-31 0000707179 us-gaap:CommonStockMember 2025-01-01 2025-03-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2025-01-01 2025-03-31 0000707179 us-gaap:PreferredStockMember 2025-03-31 0000707179 us-gaap:CommonStockMember 2025-03-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2025-03-31 0000707179 us-gaap:RetainedEarningsMember 2025-03-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-03-31 0000707179 2025-03-31 0000707179 us-gaap:RetainedEarningsMember 2025-04-01 2025-06-30 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommonStockMember 2025-04-01 2025-06-30 0000707179 us-gaap:AdditionalPaidInCapitalMember 2025-04-01 2025-06-30 0000707179 us-gaap:PreferredStockMember 2025-06-30 0000707179 us-gaap:CommonStockMember 2025-06-30 0000707179 us-gaap:AdditionalPaidInCapitalMember 2025-06-30 0000707179 us-gaap:RetainedEarningsMember 2025-06-30 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-06-30 0000707179 2025-06-30 0000707179 us-gaap:PreferredStockMember 2025-12-31 0000707179 us-gaap:CommonStockMember 2025-12-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2025-12-31 0000707179 us-gaap:RetainedEarningsMember 2025-12-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2025-12-31 0000707179 us-gaap:RetainedEarningsMember 2026-01-01 2026-03-31 0000707179 2026-01-01 2026-03-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-03-31 0000707179 us-gaap:CommonStockMember 2026-01-01 2026-03-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2026-01-01 2026-03-31 0000707179 us-gaap:PreferredStockMember 2026-03-31 0000707179 us-gaap:CommonStockMember 2026-03-31 0000707179 us-gaap:AdditionalPaidInCapitalMember 2026-03-31 0000707179 us-gaap:RetainedEarningsMember 2026-03-31 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-03-31 0000707179 2026-03-31 0000707179 us-gaap:RetainedEarningsMember 2026-04-01 2026-06-30 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommonStockMember 2026-04-01 2026-06-30 0000707179 us-gaap:AdditionalPaidInCapitalMember 2026-04-01 2026-06-30 0000707179 us-gaap:PreferredStockMember 2026-06-30 0000707179 us-gaap:CommonStockMember 2026-06-30 0000707179 us-gaap:AdditionalPaidInCapitalMember 2026-06-30 0000707179 us-gaap:RetainedEarningsMember 2026-06-30 0000707179 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2026-06-30 0000707179 onb:BremerMember 2025-05-01 0000707179 onb:CitibankN.AMember onb:BremerMember 2024-11-25 2024-11-25 0000707179 onb:CitibankN.AMember onb:BremerMember 2024-11-25 0000707179 onb:CitigroupGlobalMarketsInc.Member onb:BremerMember 2024-11-25 2024-11-25 0000707179 onb:CitigroupGlobalMarketsInc.Member onb:BremerMember 2025-05-23 2025-05-23 0000707179 onb:CitigroupGlobalMarketsInc.Member onb:BremerMember 2025-05-23 0000707179 us-gaap:CommonStockMember onb:BremerMember 2025-05-01 2025-05-01 0000707179 us-gaap:CommonStockMember onb:BremerMember 2025-05-01 0000707179 onb:BremerMember 2025-05-01 2025-05-01 0000707179 onb:BremerMember us-gaap:CoreDepositsMember 2025-05-01 0000707179 onb:BremerMember us-gaap:CustomerRelationshipsMember 2025-05-01 0000707179 onb:BremerMember 2026-04-01 2026-06-30 0000707179 onb:BremerMember 2026-01-01 2026-06-30 0000707179 onb:BremerMember 2025-04-01 2025-06-30 0000707179 onb:BremerMember 2025-01-01 2025-06-30 0000707179 us-gaap:USTreasurySecuritiesMember 2026-06-30 0000707179 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2026-06-30 0000707179 us-gaap:MortgageBackedSecuritiesMember 2026-06-30 0000707179 us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000707179 onb:PooledTrustPreferredSecuritiesMember 2026-06-30 0000707179 us-gaap:OtherDebtSecuritiesMember 2026-06-30 0000707179 us-gaap:USTreasurySecuritiesMember 2025-12-31 0000707179 us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2025-12-31 0000707179 us-gaap:MortgageBackedSecuritiesMember 2025-12-31 0000707179 us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000707179 onb:PooledTrustPreferredSecuritiesMember 2025-12-31 0000707179 us-gaap:OtherDebtSecuritiesMember 2025-12-31 0000707179 us-gaap:OtherAssets 2026-06-30 0000707179 us-gaap:OtherAssets 2025-12-31 0000707179 srt:PartnershipInterestMember us-gaap:OtherAssets 2026-06-30 0000707179 onb:InitiativesInLowToModerateIncomeNeighborhoodsMember us-gaap:OtherAssets 2026-06-30 0000707179 srt:PartnershipInterestMember us-gaap:OtherAssets 2025-12-31 0000707179 onb:InitiativesInLowToModerateIncomeNeighborhoodsMember us-gaap:OtherAssets 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ConsumerPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:SegmentPortfolioReclassificationMember 2026-06-30 0000707179 onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ConsumerPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:SegmentPortfolioReclassificationMember 2025-12-31 0000707179 onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinanceLeasesPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:FinanceLeasesPortfolioSegmentMember 2025-12-31 0000707179 onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-01-01 2026-06-30 0000707179 onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-01-01 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:IndirectPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:DirectPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2026-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:HomeEquityPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2026-04-01 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2025-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:IndirectPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2025-06-30 0000707179 onb:DirectPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:DirectPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:DirectPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:DirectPortfolioSegmentMember 2025-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2025-03-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:HomeEquityPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2025-04-01 2025-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2025-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2025-04-01 2025-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:IndirectPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:DirectPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:HomeEquityPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2026-01-01 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:ResidentialPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:IndirectPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:IndirectPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:DirectPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:DirectPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:DirectPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember onb:HomeEquityPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember 2025-01-01 2025-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember 2025-01-01 2025-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2026-03-31 0000707179 us-gaap:UnfundedLoanCommitmentMember 2025-03-31 0000707179 us-gaap:UnfundedLoanCommitmentMember 2025-12-31 0000707179 us-gaap:UnfundedLoanCommitmentMember 2024-12-31 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:UnfundedLoanCommitmentMember 2026-04-01 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:UnfundedLoanCommitmentMember 2025-04-01 2025-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:UnfundedLoanCommitmentMember 2026-01-01 2026-06-30 0000707179 srt:CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember us-gaap:UnfundedLoanCommitmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2026-04-01 2026-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2025-04-01 2025-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2026-01-01 2026-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2025-01-01 2025-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2026-06-30 0000707179 us-gaap:UnfundedLoanCommitmentMember 2025-06-30 0000707179 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:NonAccrualMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:PassMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SpecialMentionMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SubstandardMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:NonAccrualMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:DoubtfulMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:PassMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SpecialMentionMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:SubstandardMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:NonAccrualMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:DoubtfulMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:PassMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SpecialMentionMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SubstandardMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:NonAccrualMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:DoubtfulMember us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:PassMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SpecialMentionMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SubstandardMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:NonAccrualMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:DoubtfulMember us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:PassMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SpecialMentionMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:SubstandardMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:NonAccrualMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:DoubtfulMember onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:PerformingFinancingReceivableMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:PerformingFinancingReceivableMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:PerformingFinancingReceivableMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:PerformingFinancingReceivableMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:NonperformingFinancingReceivableMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:PerformingFinancingReceivableMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:PerformingFinancingReceivableMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:PerformingFinancingReceivableMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:NonperformingFinancingReceivableMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-04-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-04-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-01-01 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-01-01 2025-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:BusinessBankingCreditCenterPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:IndirectPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:DirectPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 onb:HomeEquityPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinancingReceivables30To59DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinancingReceivables60To89DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinancialAssetPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:FinancialAssetNotPastDueMember onb:SegmentPortfolioReclassificationAdjustedBalanceMember 2025-12-31 0000707179 us-gaap:RealEstateMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember onb:IndirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember onb:DirectPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:AutomobilesMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 onb:OtherCollateralMember onb:HomeEquityPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:RealEstateMember 2026-06-30 0000707179 onb:BlanketLienCollateralMember 2026-06-30 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember 2026-06-30 0000707179 us-gaap:AutomobilesMember 2026-06-30 0000707179 onb:OtherCollateralMember 2026-06-30 0000707179 us-gaap:RealEstateMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember onb:BusinessBankingCreditCenterPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember onb:IndirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember onb:DirectPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:AutomobilesMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 onb:OtherCollateralMember onb:HomeEquityPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:RealEstateMember 2025-12-31 0000707179 onb:BlanketLienCollateralMember 2025-12-31 0000707179 onb:InvestmentSecuritiesAndCashCollateralMember 2025-12-31 0000707179 us-gaap:AutomobilesMember 2025-12-31 0000707179 onb:OtherCollateralMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2026-04-01 2026-06-30 0000707179 us-gaap:ExtendedMaturityMember 2026-04-01 2026-06-30 0000707179 us-gaap:PaymentDeferralMember 2026-04-01 2026-06-30 0000707179 us-gaap:InterestRateBelowMarketReductionMember 2026-04-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2025-04-01 2025-06-30 0000707179 us-gaap:ExtendedMaturityMember 2025-04-01 2025-06-30 0000707179 us-gaap:PaymentDeferralMember 2025-04-01 2025-06-30 0000707179 us-gaap:InterestRateBelowMarketReductionMember 2025-04-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2026-01-01 2026-06-30 0000707179 us-gaap:ExtendedMaturityMember 2026-01-01 2026-06-30 0000707179 us-gaap:PaymentDeferralMember 2026-01-01 2026-06-30 0000707179 us-gaap:InterestRateBelowMarketReductionMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:InterestRateBelowMarketReductionMember 2025-01-01 2025-06-30 0000707179 us-gaap:ExtendedMaturityMember 2025-01-01 2025-06-30 0000707179 us-gaap:PaymentDeferralMember 2025-01-01 2025-06-30 0000707179 us-gaap:InterestRateBelowMarketReductionMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:FinancingReceivables30To59DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:FinancingReceivables60To89DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:FinancialAssetPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:FinancialAssetNotPastDueMember 2026-01-01 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FinancialAssetNotPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:FinancingReceivables30To59DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:FinancingReceivables60To89DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:FinancialAssetPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:FinancialAssetNotPastDueMember 2025-01-01 2025-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:PaymentDeferralMember 2026-06-30 0000707179 us-gaap:PaymentDeferralMember 2026-06-30 0000707179 srt:MinimumMember 2026-06-30 0000707179 srt:MaximumMember 2026-06-30 0000707179 2025-08-31 2025-08-31 0000707179 us-gaap:CoreDepositsMember 2026-06-30 0000707179 us-gaap:CustomerRelationshipsMember 2026-06-30 0000707179 us-gaap:CoreDepositsMember 2025-12-31 0000707179 us-gaap:CustomerRelationshipsMember 2025-12-31 0000707179 srt:MinimumMember us-gaap:CoreDepositsMember 2026-06-30 0000707179 srt:MaximumMember us-gaap:CoreDepositsMember 2026-06-30 0000707179 onb:LowIncomeHousingTaxCreditsMember 2026-06-30 0000707179 onb:LowIncomeHousingTaxCreditsMember 2025-12-31 0000707179 onb:FederalHistoricTaxCreditsMember 2026-06-30 0000707179 onb:FederalHistoricTaxCreditsMember 2025-12-31 0000707179 onb:NewMarketsTaxCreditMember 2026-06-30 0000707179 onb:NewMarketsTaxCreditMember 2025-12-31 0000707179 us-gaap:RenewableEnergyProgramMember 2026-06-30 0000707179 us-gaap:RenewableEnergyProgramMember 2025-12-31 0000707179 onb:LowIncomeHousingTaxCreditsMember 2026-04-01 2026-06-30 0000707179 onb:FederalHistoricTaxCreditsMember 2026-04-01 2026-06-30 0000707179 onb:NewMarketsTaxCreditMember 2026-04-01 2026-06-30 0000707179 onb:LowIncomeHousingTaxCreditsMember 2025-04-01 2025-06-30 0000707179 onb:FederalHistoricTaxCreditsMember 2025-04-01 2025-06-30 0000707179 onb:NewMarketsTaxCreditMember 2025-04-01 2025-06-30 0000707179 onb:LowIncomeHousingTaxCreditsMember 2026-01-01 2026-06-30 0000707179 onb:FederalHistoricTaxCreditsMember 2026-01-01 2026-06-30 0000707179 onb:NewMarketsTaxCreditMember 2026-01-01 2026-06-30 0000707179 onb:LowIncomeHousingTaxCreditsMember 2025-01-01 2025-06-30 0000707179 onb:FederalHistoricTaxCreditsMember 2025-01-01 2025-06-30 0000707179 onb:NewMarketsTaxCreditMember 2025-01-01 2025-06-30 0000707179 us-gaap:USTreasurySecuritiesMember us-gaap:MaturityOvernightMember 2026-06-30 0000707179 us-gaap:USTreasurySecuritiesMember us-gaap:MaturityUpTo30DaysMember 2026-06-30 0000707179 us-gaap:USTreasurySecuritiesMember us-gaap:Maturity30To90DaysMember 2026-06-30 0000707179 us-gaap:USTreasurySecuritiesMember us-gaap:MaturityOver90DaysMember 2026-06-30 0000707179 us-gaap:USTreasurySecuritiesMember 2026-06-30 0000707179 us-gaap:MaturityOvernightMember 2026-06-30 0000707179 us-gaap:MaturityUpTo30DaysMember 2026-06-30 0000707179 us-gaap:Maturity30To90DaysMember 2026-06-30 0000707179 us-gaap:MaturityOver90DaysMember 2026-06-30 0000707179 us-gaap:FederalHomeLoanBankAdvancesMember srt:MinimumMember 2026-06-30 0000707179 us-gaap:FederalHomeLoanBankAdvancesMember srt:MaximumMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:SubordinatedDebtMember srt:MinimumMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:SubordinatedDebtMember srt:MaximumMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:SubordinatedDebtMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:SubordinatedDebtMember 2025-12-31 0000707179 srt:ParentCompanyMember us-gaap:JuniorSubordinatedDebtMember srt:MinimumMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:JuniorSubordinatedDebtMember srt:MaximumMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:JuniorSubordinatedDebtMember 2026-06-30 0000707179 srt:ParentCompanyMember us-gaap:JuniorSubordinatedDebtMember 2025-12-31 0000707179 srt:ParentCompanyMember 2026-01-01 2026-06-30 0000707179 srt:ParentCompanyMember 2025-01-01 2025-12-31 0000707179 onb:OldNationalBankMember 2026-06-30 0000707179 onb:OldNationalBankMember 2025-12-31 0000707179 us-gaap:NotesPayableToBanksMember srt:MinimumMember onb:OldNationalBankMember 2026-06-30 0000707179 us-gaap:NotesPayableToBanksMember srt:MaximumMember onb:OldNationalBankMember 2026-06-30 0000707179 us-gaap:NotesPayableToBanksMember onb:OldNationalBankMember 2026-06-30 0000707179 us-gaap:NotesPayableToBanksMember onb:OldNationalBankMember 2025-12-31 0000707179 onb:OldNationalBankMember 2026-01-01 2026-06-30 0000707179 onb:OldNationalBankMember 2025-01-01 2025-12-31 0000707179 us-gaap:SubordinatedDebtMember onb:SubordinatedNotesMaturingJanuary2026Member 2026-01-29 0000707179 us-gaap:SubordinatedDebtMember onb:SubordinatedNotesMaturingJanuary2026Member 2026-01-29 2026-01-29 0000707179 us-gaap:SubordinatedDebtMember onb:FirstMidwestBancorpIncMember 2022-02-15 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BridgeviewStatutoryTrustIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BridgeviewStatutoryTrustIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BridgeviewCapitalTrustIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BridgeviewCapitalTrustIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:FirstMidwestCapitalTrustIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:StJosephCapitalTrustIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:StJosephCapitalTrustIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:NorthernStatesStatutoryTrustIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:NorthernStatesStatutoryTrustIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:AnchorCapitalTrustIIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:AnchorCapitalTrustIIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:GreatLakesStatutoryTrustIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:GreatLakesStatutoryTrustIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BremerStatutoryTrustIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:BremerStatutoryTrustIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:HomeFederalStatutoryTrustIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:HomeFederalStatutoryTrustIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:MonroeBancorpCapitalTrustIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:MonroeBancorpCapitalTrustIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:TowerCapitalTrustThreeMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:TowerCapitalTrustThreeMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:MonroeBancorpStatutoryTrustIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:MonroeBancorpStatutoryTrustIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:GreatLakesStatutoryTrustIIIMember 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember onb:GreatLakesStatutoryTrustIIIMember 2026-01-01 2026-06-30 0000707179 us-gaap:JuniorSubordinatedDebtMember onb:TrustPreferredSecuritiesMember 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-03-31 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2026-03-31 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-03-31 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-04-01 2026-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2026-04-01 2026-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-04-01 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2026-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-03-31 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2025-03-31 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-03-31 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-04-01 2025-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2025-04-01 2025-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-04-01 2025-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2025-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-12-31 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2025-12-31 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-12-31 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2026-01-01 2026-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2026-01-01 2026-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2026-01-01 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2024-12-31 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2024-12-31 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2024-12-31 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember 2025-01-01 2025-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember 2025-01-01 2025-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember 2025-01-01 2025-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000707179 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-04-01 2026-06-30 0000707179 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-04-01 2025-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000707179 us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000707179 onb:AccumulatedUnrealizedGainsLossesOnHeldToMaturitySecuritiesParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000707179 us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000707179 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2026-01-01 2026-06-30 0000707179 us-gaap:ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember 2025-01-01 2025-06-30 0000707179 country:US 2026-06-30 0000707179 country:US 2025-12-31 0000707179 us-gaap:StateAndLocalJurisdictionMember 2026-06-30 0000707179 us-gaap:StateAndLocalJurisdictionMember 2025-12-31 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapBorrowingsMember us-gaap:CashFlowHedgingMember 2026-06-30 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapBorrowingsMember us-gaap:CashFlowHedgingMember 2025-12-31 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapsCollarsAndFloorsMember us-gaap:CashFlowHedgingMember 2026-06-30 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapsCollarsAndFloorsMember us-gaap:CashFlowHedgingMember 2025-12-31 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2026-06-30 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2025-12-31 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2026-06-30 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2025-12-31 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember 2026-06-30 0000707179 us-gaap:DesignatedAsHedgingInstrumentMember 2025-12-31 0000707179 onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2026-04-01 2026-06-30 0000707179 onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2026-04-01 2026-06-30 0000707179 us-gaap:FairValueHedgingMember 2026-04-01 2026-06-30 0000707179 onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2025-04-01 2025-06-30 0000707179 onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2025-04-01 2025-06-30 0000707179 us-gaap:FairValueHedgingMember 2025-04-01 2025-06-30 0000707179 onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2026-01-01 2026-06-30 0000707179 onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2026-01-01 2026-06-30 0000707179 us-gaap:FairValueHedgingMember 2026-01-01 2026-06-30 0000707179 onb:VariableInterestRateSwapBorrowingsMember us-gaap:FairValueHedgingMember 2025-01-01 2025-06-30 0000707179 onb:VariableInterestRateSwapAvailableForSaleInvestmentSecuritiesMember us-gaap:FairValueHedgingMember 2025-01-01 2025-06-30 0000707179 us-gaap:FairValueHedgingMember 2025-01-01 2025-06-30 0000707179 us-gaap:InterestRateContractMember 2026-04-01 2026-06-30 0000707179 us-gaap:InterestRateContractMember 2025-04-01 2025-06-30 0000707179 us-gaap:InterestRateContractMember 2026-01-01 2026-06-30 0000707179 us-gaap:InterestRateContractMember 2025-01-01 2025-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateLockCommitmentsMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:ForwardCommitmentsMember 2026-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateLockCommitmentsMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:ForwardCommitmentsMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:CustomerAndOffsettingCounterpartyDerivativeInstrumentsMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:CustomerAndOffsettingCounterpartyDerivativeInstrumentsMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:CustomerDerivativeInstrumentMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:CustomerDerivativeInstrumentMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:OffsettingCounterPartyDerivativeInstrumentMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:OffsettingCounterPartyDerivativeInstrumentMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:CustomerForeignExchangeForwardMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:CustomerForeignExchangeForwardMember 2025-12-31 0000707179 us-gaap:NondesignatedMember onb:CounterpartyForeignExchangeForwardMember 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:CounterpartyForeignExchangeForwardMember 2025-12-31 0000707179 us-gaap:NondesignatedMember 2026-06-30 0000707179 us-gaap:NondesignatedMember 2025-12-31 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2026-04-01 2026-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2025-04-01 2025-06-30 0000707179 us-gaap:NondesignatedMember onb:MortgageContractMember 2026-04-01 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:MortgageContractMember 2025-04-01 2025-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2026-04-01 2026-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2025-04-01 2025-06-30 0000707179 us-gaap:NondesignatedMember 2026-04-01 2026-06-30 0000707179 us-gaap:NondesignatedMember 2025-04-01 2025-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2026-01-01 2026-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:InterestRateContractMember 2025-01-01 2025-06-30 0000707179 us-gaap:NondesignatedMember onb:MortgageContractMember 2026-01-01 2026-06-30 0000707179 us-gaap:NondesignatedMember onb:MortgageContractMember 2025-01-01 2025-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2026-01-01 2026-06-30 0000707179 us-gaap:NondesignatedMember us-gaap:ForeignExchangeContractMember 2025-01-01 2025-06-30 0000707179 us-gaap:NondesignatedMember 2026-01-01 2026-06-30 0000707179 us-gaap:NondesignatedMember 2025-01-01 2025-06-30 0000707179 us-gaap:InterestRateSwapMember 2026-06-30 0000707179 us-gaap:InterestRateSwapMember 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USTreasurySecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:PooledTrustPreferredSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:OtherDebtSecuritiesMember us-gaap:FairValueMeasurementsRecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2026-06-30 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2026-04-01 2026-06-30 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2026-01-01 2026-06-30 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2025-04-01 2025-06-30 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2025-01-01 2025-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:CommercialRealEstateForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember onb:ResidentialForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:ResidentialForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:ResidentialForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember onb:ResidentialForeclosedAssetsMember us-gaap:FairValueMeasurementsNonrecurringMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 onb:ImpairedCommercialAndCommercialRealEstateLoansMember 2025-12-31 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:CollateralDependentImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:MinimumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:WeightedAverageMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:CollateralDependentImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MinimumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:WeightedAverageMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2026-06-30 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:ForeclosedAssetsMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2026-06-30 0000707179 onb:ForeclosedAssetsMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MinimumMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2026-06-30 0000707179 onb:ForeclosedAssetsMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MaximumMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2026-06-30 0000707179 onb:ForeclosedAssetsMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:WeightedAverageMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2026-06-30 0000707179 us-gaap:CommercialPortfolioSegmentMember onb:CollateralDependentImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:MinimumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialPortfolioSegmentMember srt:WeightedAverageMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:CollateralDependentImpairedLoansMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MinimumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:MaximumMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 onb:CollateralDependentImpairedLoansMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember srt:WeightedAverageMember us-gaap:FairValueInputsLevel3Member us-gaap:ValuationTechniqueDiscountedCashFlowMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:ForeclosedAssetsMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2025-12-31 0000707179 onb:ForeclosedAssetsMember us-gaap:MeasurementInputDiscountRateMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:ForeclosedAssetsMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2025-12-31 0000707179 onb:ForeclosedAssetsMember us-gaap:MeasurementInputDiscountRateMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member onb:ValuationTechniqueFairValueOfCollateralMember 2025-12-31 0000707179 us-gaap:CommercialRealEstatePortfolioSegmentMember onb:ForeclosedAssetsMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:ResidentialPortfolioSegmentMember onb:ForeclosedAssetsMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 onb:LoansHeldForSaleMember 2026-06-30 0000707179 onb:LoansHeldForSaleMember 2025-12-31 0000707179 onb:LoansHeldForSaleMember 2026-04-01 2026-06-30 0000707179 onb:LoansHeldForSaleMember 2025-04-01 2025-06-30 0000707179 onb:LoansHeldForSaleMember 2026-01-01 2026-06-30 0000707179 onb:LoansHeldForSaleMember 2025-01-01 2025-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2026-06-30 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2026-06-30 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USGovernmentSponsoredEnterprisesDebtSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:MortgageBackedSecuritiesMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:USStatesAndPoliticalSubdivisionsMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:CommercialRealEstatePortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ResidentialPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2025-12-31 0000707179 us-gaap:CarryingReportedAmountFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel1Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel2Member 2025-12-31 0000707179 us-gaap:EstimateOfFairValueFairValueDisclosureMember us-gaap:ConsumerPortfolioSegmentMember us-gaap:FairValueInputsLevel3Member 2025-12-31

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 10-Q

☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended June 30, 2026
or

☐ TRANSITION 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 other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.)
 
One Main Street 47708
Evansville, Indiana (Zip Code)
(Address of principal executive offices)

(800) 731-2265
(Registrant’s telephone number, including area code)
 
Securities registered pursuant to Section 12(b) of the Act:

Title of each class   Trading
Symbol(s)   Name of each exchange on which registered
Common stock, no par value   ONB   NASDAQ   Global Select Market
Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series A ONBPP NASDAQ   Global Select Market
Depositary Shares, each representing a 1/40th interest in a share of Non-Cumulative Perpetual Preferred Stock, Series C ONBPO NASDAQ   Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.     Yes    ☑     No  ☐
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).     Yes     ☑    No   ☐
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
 
Large accelerated filer   ☑    Accelerated filer   ☐

Non-accelerated filer   ☐
   Smaller reporting company   ☐

Emerging growth company   ☐
       

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.   ☐
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes   ☐     No   ☑
The registrant has one class of common stock (no par value) with 382,570,000 shares outstanding at July 28, 2026.

OLD NATIONAL BANCORP
FORM 10-Q
TABLE OF CONTENTS
    Page
PART I. FINANCIAL INFORMATION
 
Item 1. Financial Statements
 
  Consolidated Balance Sheets (unaudited)
4

  Consolidated Statements of Income (unaudited)
5

  Consolidated Statements of Comprehensive Income (Loss) (unaudited)
6

  Consolidated Statements of Changes in Shareholders’ Equity (unaudited)
7

  Consolidated Statements of Cash Flows (unaudited)
8

  Notes to Consolidated Financial Statements (unaudited)
10

  Note 1. Basis of Presentation
10

  Note 2. Recent Accounting Pronouncements
10

Note 3. Acquisition and Divestiture Activity
11

  Note 4. Net Income Per Common Share
13

  Note 5. Investment Securities
13

  Note 6. Loans and Allowance for Credit Losses
16

  Note 7. Leases
29

  Note 8. Goodwill and Other Intangible Assets
30

  Note 9. Qualified Affordable Housing Projects and Other Tax Credit Investments
31

  Note 10. Securities Sold Under Agreements to Repurchase
32

  Note 11. Federal Home Loan Bank Advances
33

  Note 12. Other Borrowings
34

  Note 13. Accumulated Other Comprehensive Income (Loss)
36

  Note 14. Income Taxes
38

  Note 15. Derivative Financial Instruments
38

  Note 16. Commitments, Contingencies, and Financial Guarantees
42

  Note 17. Fair Value
43

Note 18. Segment Information
48

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
50

  Forward-Looking Statements
50

  Financial Highlights
51

  Non-GAAP Financial Measures
53

  Executive Summary
56

  Results of Operations
57

  Financial Condition
63

  Risk Management
67

  Critical Accounting Estimates
74

Item 3. Quantitative and Qualitative Disclosures About Market Risk
74

Item 4. Controls and Procedures
74

PART II. OTHER INFORMATION
75

Item 1A. Risk Factors
75

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
75

Item 5. Other Information
75

Item 6. Exhibits
76

SIGNATURE
77

2

GLOSSARY OF ABBREVIATIONS AND ACRONYMS
As used in this report, references to “Old National,” “the Company,” “we,” “our,” “us,” and similar terms refer to the consolidated entity consisting of Old National Bancorp and its wholly owned subsidiaries. Old National Bancorp refers solely to the parent holding company, and Old National Bank refers to Old National Bancorp’s bank subsidiary.
The acronyms and abbreviations identified below are used throughout this report, including the Notes to Consolidated Financial Statements (Unaudited). You may find it helpful to refer to this page as you read this report.
AOCI:  accumulated other comprehensive income (loss)
AQR:  asset quality rating
ASC:  Accounting Standards Codification
ASU:  Accounting Standards Update
ATM:  automated teller machine
BBCC: business banking credit center (small business)
Bremer: Bremer Financial Corporation
CECL: current expected credit loss
Common Stock:  Old National Bancorp common stock, no par value
DTI:  debt-to-income
ESPP: Employee Stock Purchase Plan
FASB:  Financial Accounting Standards Board
FDIC:  Federal Deposit Insurance Corporation
FHLB:  Federal Home Loan Bank
FHTC:  Federal Historic Tax Credit
FICO:  Fair Isaac Corporation
GAAP:  U.S. generally accepted accounting principles
LGD:  loss given default
LIHTC:  Low Income Housing Tax Credit
Merger: merger between Old National and Bremer
N/A:  not applicable
N/M:  not meaningful
NASDAQ: NASDAQ Global Select Market
NMTC: New Markets Tax Credit
NOW:  negotiable order of withdrawal
OCC:  Office of the Comptroller of the Currency
PCD: purchased credit deteriorated
PD:  probability of default
Preferred Stock:  Old National Bancorp preferred stock
Renewable Energy:  investment tax credits for solar projects
SEC:  U.S. Securities and Exchange Commission
SOFR: Secured Overnight Financing Rate

3

OLD NATIONAL BANCORP
CONSOLIDATED BALANCE SHEETS
(dollars and shares in thousands, except per share data)
June 30,
2026 December 31,
2025
  (unaudited)  
Assets    
Cash and due from banks $ 588,654   $ 591,645  
Money market and other interest-earning investments 1,179,526   1,234,532  
Total cash and cash equivalents 1,768,180   1,826,177  
Equity securities, at fair value 131,113   128,857  

Investment securities - available-for-sale, at fair value (amortized cost
   $ 12,359,370 and $ 12,059,997 , respectively)
11,582,385   11,384,450  
Investment securities - held-to-maturity, at amortized cost (fair value
   $ 2,468,208 and $ 2,540,238 , respectively)
2,844,504   2,895,488  
Federal Home Loan Bank/Federal Reserve Bank stock, at cost 525,397   493,583  
Loans held-for-sale, at fair value 43,608   52,911  
Loans:
Commercial 16,112,685   14,983,861  
Commercial real estate 22,535,229   22,050,007  
Residential real estate 8,760,832   8,467,496  
Consumer 3,363,838   3,262,798  
Total loans, net of unearned income 50,772,584   48,764,162  
Allowance for credit losses on loans ( 580,511 ) ( 569,520 )
Net loans 50,192,073   48,194,642  
Premises and equipment, net 682,065   690,824  

Goodwill 2,429,756   2,425,700  
Other intangible assets 432,671   482,286  
Company-owned life insurance 1,053,333   1,051,009  
Accrued interest receivable and other assets 2,504,332   2,526,040  
Total assets $ 74,189,417   $ 72,151,967  
Liabilities
Deposits:
Noninterest-bearing demand $ 12,665,278   $ 13,247,483  
Interest-bearing:
Checking and NOW 11,129,286   10,740,919  
Savings 4,924,639   4,909,138  
Money market 16,936,441   16,529,631  
Time deposits 10,491,126   9,661,024  
Total deposits 56,146,770   55,088,195  
Federal funds purchased and interbank borrowings 250,389   100,197  
Securities sold under agreements to repurchase 265,301   261,366  
Federal Home Loan Bank advances 6,520,296   6,237,375  
Other borrowings 1,387,997   852,429  

Accrued expenses and other liabilities 1,034,821   1,117,617  
Total liabilities 65,605,574   63,657,179  
Shareholders’ Equity
Preferred stock, 2,000 shares authorized, 231 shares issued and outstanding
230,500   230,500  
Common stock, no par value, $ 1.00 per share stated value, 600,000 shares authorized,
    382,537 and 389,662 shares issued and outstanding, respectively
382,537   389,662  
Capital surplus 5,753,603   5,944,533  
Retained earnings 2,775,344   2,408,764  
Accumulated other comprehensive income (loss), net of tax ( 558,141 ) ( 478,671 )
Total shareholders’ equity 8,583,843   8,494,788  
Total liabilities and shareholders’ equity $ 74,189,417   $ 72,151,967  

The accompanying notes to consolidated financial statements are an integral part of these statements.
4

OLD NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF INCOME (unaudited)
Three Months Ended
June 30, Six Months Ended
June 30,
(dollars and shares in thousands, except per share data)
2026 2025 2026 2025
Interest Income        
Loans including fees:        
Taxable $ 711,947   $ 658,508   $ 1,408,309   $ 1,174,274  
Nontaxable 19,175   16,590   39,265   26,767  
Investment securities:
Taxable 142,877   124,880   283,236   210,414  
Nontaxable 9,271   10,192   18,907   20,299  
Money market and other interest-earning investments 11,121   14,791   22,065   23,606  
Total interest income 894,391   824,961   1,771,782   1,455,360  
Interest Expense
Deposits 237,504   240,088   470,835   430,583  
Federal funds purchased and interbank borrowings 391   953   414   2,578  
Securities sold under agreements to repurchase 561   636   1,155   1,187  
Federal Home Loan Bank advances 61,744   59,042   119,796   100,938  
Other borrowings 15,203   9,452   28,021   17,641  
Total interest expense 315,403   310,171   620,221   552,927  
Net interest income 578,988   514,790   1,151,561   902,433  
Provision for credit losses 36,206   106,835   71,152   138,238  
Net interest income after provision for credit losses 542,782   407,955   1,080,409   764,195  
Noninterest Income
Wealth and investment services fees 42,098   35,817   81,813   65,465  
Service charges on deposit accounts 28,009   23,878   54,946   45,034  
Debit card and ATM fees 13,092   12,922   25,130   22,913  
Mortgage banking revenue 11,163   10,032   20,717   16,911  

Capital markets income 12,329   7,114   23,345   11,620  
Company-owned life insurance 8,531   6,625   16,092   12,006  
Debt securities gains (losses), net ( 34 ) ( 41 ) 41   ( 117 )
Other income 38,376   36,170   53,826   52,479  
Total noninterest income 153,564   132,517   275,910   226,311  
Noninterest Expense
Salaries and employee benefits 184,765   202,112   368,838   350,417  
Occupancy 33,452   30,432   70,447   59,485  
Equipment 11,077   12,566   23,152   21,467  
Marketing 15,601   13,759   32,035   25,699  
Technology 29,630   31,452   58,655   53,472  
Communication 6,130   5,014   12,326   9,148  
Professional fees 10,735   21,931   23,091   29,850  
FDIC assessment 13,592   13,409   27,348   23,109  
Amortization of intangibles 23,992   19,630   49,615   26,460  
Amortization of tax credit investments 7,807   5,815   14,918   9,239  

Other expense 35,380   28,646   56,440   44,891  
Total noninterest expense 372,161   384,766   736,865   653,237  
Income before income taxes 324,185   155,706   619,454   337,269  
Income tax expense 70,771   30,298   132,368   67,202  
Net income 253,414   125,408   487,086   270,067  
Preferred dividends ( 4,033 ) ( 4,033 ) ( 8,067 ) ( 8,067 )
Net income applicable to common shareholders $ 249,381   $ 121,375   $ 479,019   $ 262,000  
Net income per common share - basic $ 0.65   $ 0.34   $ 1.25   $ 0.78  
Net income per common share - diluted 0.65   0.34   1.24   0.77  
Weighted average number of common shares outstanding - basic 381,864   360,155   383,845   338,162  
Weighted average number of common shares outstanding - diluted 383,273   361,436   385,697   340,250  
Dividends per common share $ 0.145   $ 0.14   $ 0.29   $ 0.28  

The accompanying notes to consolidated financial statements are an integral part of these statements.
5

OLD NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (unaudited)
Three Months Ended
June 30, Six Months Ended
June 30,
(dollars in thousands) 2026 2025 2026 2025
Net income $ 253,414   $ 125,408   $ 487,086   $ 270,067  

Other comprehensive income (loss):

Change in debt securities available-for-sale:
Unrealized holding gains (losses) for the period ( 10,295 ) 54,305   ( 96,065 ) 167,977  

Reclassification adjustment for securities (gains) losses
   realized in income 34   41   ( 41 ) 117  
Income tax effect 2,573   ( 13,725 ) 24,395   ( 42,189 )
Unrealized gains (losses) on available-for-sale securities ( 7,688 ) 40,621   ( 71,711 ) 125,905  

Change in securities held-to-maturity:

Amortization of unrecognized losses on securities transferred
    from available-for-sale 3,534   4,069   7,190   7,984  
Income tax effect ( 898 ) ( 1,032 ) ( 1,826 ) ( 2,026 )
Changes from securities held-to-maturity 2,636   3,037   5,364   5,958  

Change in hedges:
Net unrealized derivative gains (losses) on hedges ( 14,937 ) 4,539   ( 21,038 ) 15,925  
Reclassification adjustment for (gains) losses realized in net
   income 1,673   2,533   3,338   3,729  
Income tax effect 3,429   ( 1,829 ) 4,577   ( 5,082 )
Changes from hedges ( 9,835 ) 5,243   ( 13,123 ) 14,572  

Other comprehensive income (loss), net of tax ( 14,887 ) 48,901   ( 79,470 ) 146,435  
Comprehensive income (loss) $ 238,527   $ 174,309   $ 407,616   $ 416,502  

The accompanying notes to consolidated financial statements are an integral part of these statements.
6

OLD NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (unaudited)
(dollars in thousands, except per
   share data) Preferred Stock Common Stock Capital Surplus Retained Earnings Accumulated
Other
Comprehensive Income (Loss) Total
Shareholders’ Equity
December 31, 2024 $ 230,500   $ 318,980   $ 4,570,865   $ 1,966,048   $ ( 746,043 ) $ 6,340,350  

Net income —   —   —   144,659   —   144,659  
Other comprehensive income (loss) —   —   —   —   97,534   97,534  
Cash dividends:
Common ($ 0.14 per share)
—   —   —   ( 44,653 ) —   ( 44,653 )
Preferred ($ 17.50 per share)
—   —   —   ( 4,034 ) —   ( 4,034 )
Common stock issued for Employee
  Stock Purchase Plan (“ESPP”) —  12   238   —  —   250  
Common stock repurchased —  ( 611 ) ( 12,927 ) —   —   ( 13,538 )
Share-based compensation expense —   —   14,411   —   —   14,411  
Stock activity under incentive
   compensation plans —  855   ( 481 ) ( 699 ) —   ( 325 )
Balance, March 31, 2025 230,500   319,236   4,572,106   2,061,321   ( 648,509 ) 6,534,654  
Net income —  —  —  125,408   —  125,408  
Other comprehensive income (loss) —  —  —  —  48,901   48,901  
Acquisition of Bremer Financial
   Corporation —  50,183   983,079   —  —  1,033,262  
Cash dividends:
Common ($ 0.14 per share)
—  —  —  ( 54,855 ) —  ( 54,855 )
Preferred ($ 17.50 per share)
—  —  —  ( 4,033 ) —  ( 4,033 )
Common stock issued:
ESPP —  13   243   —  —  256  
Forward sale agreement —  21,905   421,331   —  —  443,236  
Common stock repurchased —  ( 379 ) ( 7,578 ) —  —  ( 7,957 )
Share-based compensation expense —  —  7,739   —  —  7,739  
Stock activity under incentive
   compensation plans —  860   ( 736 ) ( 348 ) —  ( 224 )
Balance, June 30, 2025 $ 230,500   $ 391,818   $ 5,976,184   $ 2,127,493   $ ( 599,608 ) $ 8,126,387  

December 31, 2025 $ 230,500   $ 389,662   $ 5,944,533   $ 2,408,764   $ ( 478,671 ) $ 8,494,788  

Net income —   —   —   233,672   —   233,672  
Other comprehensive income (loss) —   —   —   —   ( 64,583 ) ( 64,583 )
Cash dividends:
Common ($ 0.145 per share)
—   —   —   ( 56,060 ) —   ( 56,060 )
Preferred ($ 17.50 per share)
—   —   —   ( 4,034 ) —   ( 4,034 )
Common stock issued for ESPP —   15   311   —   —   326  
Common stock repurchased —   ( 4,298 ) ( 99,774 ) —   —   ( 104,072 )
Share-based compensation expense —   —   9,181   —   —   9,181  
Stock activity under incentive
   compensation plans —   936   929   ( 430 ) —   1,435  
Balance, March 31, 2026 230,500   386,315   5,855,180   2,581,912   ( 543,254 ) 8,510,653  
Net income —   —   —   253,414   —   253,414  
Other comprehensive income (loss) —   —   —   —   ( 14,887 ) ( 14,887 )

Cash dividends:
Common ($ 0.145 per share)
—   —   —   ( 55,556 ) —   ( 55,556 )
Preferred ($ 17.50 per share)
—   —   —   ( 4,033 ) —   ( 4,033 )
Common stock issued for ESPP —   17   326   —   —   343  
Common stock repurchased —   ( 4,809 ) ( 110,527 ) —   —   ( 115,336 )
Share-based compensation expense —   —   9,444   —   —   9,444  
Stock activity under incentive
   compensation plans —   1,014   ( 820 ) ( 393 ) —   ( 199 )
Balance, June 30, 2026 $ 230,500   $ 382,537   $ 5,753,603   $ 2,775,344   $ ( 558,141 ) $ 8,583,843  

The accompanying notes to consolidated financial statements are an integral part of these statements.
7

OLD NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)
Six Months Ended
June 30,
(dollars in thousands) 2026 2025
Cash Flows From Operating Activities    
Net income $ 487,086   $ 270,067  
Adjustments to reconcile net income to cash provided by operating activities:
Depreciation 24,650   20,356  
Amortization of other intangible assets 49,615   26,460  
Amortization of tax credit investments 14,918   9,239  
Net (discount accretion) premium amortization ( 85,471 ) ( 48,688 )

Share-based compensation expense 18,625   22,150  
Provision for credit losses 71,152   138,238  
Debt securities (gains) losses, net ( 41 ) 117  
Net (gains) losses on sales of loans and other assets ( 8,767 ) ( 7,282 )
Increase in cash surrender value of company-owned life insurance ( 16,092 ) ( 12,006 )
Residential real estate loans originated for sale ( 699,869 ) ( 545,592 )
Proceeds from sales of residential real estate loans 715,879   517,410  
(Increase) decrease in interest receivable 4,952   ( 24,949 )
(Increase) decrease in other assets 14,004   ( 11,239 )
Increase (decrease) in accrued expenses and other liabilities ( 104,264 ) ( 173,188 )
Net cash flows provided by (used in) operating activities 486,377   181,093  
Cash Flows From Investing Activities
Cash received from merger, net —   196,524  
Purchases of investment securities available-for-sale ( 1,823,516 ) ( 3,272,480 )

Purchases of Federal Home Loan Bank/Federal Reserve Bank stock ( 41,747 ) ( 64,657 )
Purchases of equity securities ( 6,529 ) ( 5,901 )
Proceeds from maturities, prepayments, and calls of investment securities available-for-sale 1,440,775   678,703  
Proceeds from sales of investment securities available-for-sale 91,308   2,082,054  
Proceeds from maturities, prepayments, and calls of investment securities held-to-maturity 56,515   34,859  
Proceeds from sales of Federal Home Loan Bank/Federal Reserve Bank stock 9,933   68,977  
Proceeds from sales of equity securities 9,230   3,292  
Loan originations and payments, net ( 2,005,311 ) ( 495,227 )
Proceeds from sales of commercial loans 15,289   95,298  
Proceeds from company-owned life insurance death benefits 13,769   7,029  
Proceeds from sales of premises and equipment and other assets 347   1,190  
Purchases of premises and equipment and other assets ( 17,264 ) ( 14,603 )
Net cash flows provided by (used in) investing activities ( 2,257,201 ) ( 684,942 )
Cash Flows From Financing Activities
Net increase (decrease) in:
Deposits 1,058,575   653,281  
Federal funds purchased and interbank borrowings 150,192   339,861  
Securities sold under agreements to repurchase 3,935   ( 20,469 )
Other borrowings 543,547   ( 8,808 )
Payments for maturities of Federal Home Loan Bank advances ( 3,230,000 ) ( 1,645,285 )

Proceeds from Federal Home Loan Bank advances 3,525,000   1,451,200  

Cash dividends paid ( 119,683 ) ( 107,575 )

Common stock repurchased ( 219,408 ) ( 21,495 )
Common stock issued for ESPP 669   506  
Common stock issued for forward sale agreements —   443,236  
Net cash flows provided by (used in) financing activities 1,712,827   1,084,452  
Net increase (decrease) in cash and cash equivalents ( 57,997 ) 580,603  
Cash and cash equivalents at beginning of period 1,826,177   1,227,968  
Cash and cash equivalents at end of period $ 1,768,180   $ 1,808,571  

8

OLD NATIONAL BANCORP
CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) – (Continued)
Six Months Ended
June 30,
(dollars in thousands) 2026 2025
Supplemental Cash Flow Information:

Total interest paid $ 614,091   $ 578,700  
Total income taxes paid (net of refunds) 52,989   43,816  
Noncash Investing and Financing Activities:
Common stock issued for merger, net —   1,033,262  

Investment securities purchased but not settled —   25,000  
Operating lease right-of-use assets obtained in exchange for lease obligations 3,914   52,101  
Finance lease right-of-use assets obtained in exchange for lease obligations ( 1,082 ) 831  

The accompanying notes to consolidated financial statements are an integral part of these statements.
9

OLD NATIONAL BANCORP
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS (unaudited)

NOTE 1 – BASIS OF PRESENTATION
The accompanying unaudited consolidated financial statements include the accounts of Old National Bancorp and its wholly owned subsidiaries (hereinafter collectively referred to as “Old National”) and have been prepared in conformity with accounting principles generally accepted in the United States of America and prevailing practices within the banking industry. Such principles require management to make estimates and assumptions that affect the reported amounts of assets, liabilities, and the disclosures of contingent assets and liabilities at the date of the financial statements and amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. In the opinion of management, the consolidated financial statements contain all the normal and recurring adjustments necessary for a fair statement of the financial position of Old National as of June 30, 2026 and December 31, 2025, and the results of its operations for the three and six months ended June 30, 2026 and 2025. Interim results do not necessarily represent annual results. Certain information and disclosures normally included in notes to consolidated annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted in this Quarterly Report on Form 10-Q pursuant to SEC rules and regulations. These financial statements should be read in conjunction with Old National’s Annual Report on Form 10-K for the year ended December 31, 2025.
All intercompany transactions and balances have been eliminated.

NOTE 2 – RECENT ACCOUNTING PRONOUNCEMENTS
Accounting Guidance Pending Adoption  
Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 220 – In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses . This ASU requires public business entities to disclose specified information about certain costs and expenses in the notes to financial statements at each interim and annual reporting period. Specifically, public business entities will be required to disclose the amounts of (a) purchases of inventory; (b) employee compensation; (c) depreciation; (d) intangible asset amortization; and (e) depreciation, depletion, and amortization recognized as part of oil- and gas-producing activities (or other amounts of depletion expense) included in each relevant expense caption. Within the same tabular disclosure, an entity must disclose certain expense, gain, or loss amounts that are already required under current GAAP. Further, an entity must disclose a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively. In addition, an entity must disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. The amendments in this ASU are effective for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted. Old National is currently evaluating the impact of adopting this guidance on the consolidated financial statements.
FASB ASC 350 – In September 2025, the FASB issued ASU 2025-06, Intangibles—Goodwill and Other—Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. The ASU revises ASC 350-40 to clarify and modernize the accounting and disclosure requirements for software costs. The new update eliminates ASC 350-50, which previously addressed website development costs, and incorporated its relevant guidance into ASC 350-40. The ASU refines ASC 350-40, but it does not entirely integrate the accounting approach for internal-use software with that for externally sold software under ASC 985-20. The amendments in this update are effective for all entities for annual reporting periods beginning after December 15, 2027, and interim reporting periods within those annual reporting periods. Early adoption is permitted as of the beginning of an annual reporting period. Old National is currently evaluating the impact of adopting this guidance on the consolidated financial statements.
FASB ASC 326 – In November 2025, the FASB issued ASU 2025-08, Financial Instruments - Credit Losses (Topic 326): Purchased Loans . The ASU revises Topic 326 to simplify and improve the accounting for acquired financial assets. The update expands the application of the gross-up approach to include purchased seasoned loans, eliminating the complexity and inconsistency created by having separate models for PCD and non-PCD assets. Under the new guidance, the initial allowance for credit losses is added to the amortized cost basis rather than recorded as a Day 1 provision expense. The amendments in this update are effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting
10

periods. Early adoption is permitted. Old National is currently evaluating the impact of adopting this guidance on the consolidated financial statements.
FASB ASC 815 – In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815): Hedge Accounting Improvements. The ASU introduces clarifications to Topic 815 building on improvements from ASU 2017‑12, and addresses challenges arising from the global reference rate reform (i.e., the LIBOR transition). The new guidance aims to reduce complexity in applying hedge accounting to transactions tied to an entity’s risk management activities and promotes consistency in accounting for forecasted transactions, interest rate flexibility, and nonfinancial components. The update expands eligibility for hedge accounting by allowing groups of forecasted transactions with similar risk exposures, provides guidance for hedging interest payments on debt with selectable interest rate indexes, clarifies hedging of specified components of nonfinancial assets, and eases restrictions related to net written options and certain compound derivatives. It also resolves presentation mismatches for certain foreign currency hedging relationships. The amendments in this update are effective for all entities for annual reporting periods beginning after December 15, 2026, and interim reporting periods within those annual reporting periods. Early adoption is permitted. The adoption of this guidance is not expected to have a material impact on the consolidated financial statements.

NOTE 3 – ACQUISITION AND DIVESTITURE ACTIVITY
Acquisition
Bremer Financial Corporation
On May 1, 2025, Old National completed its acquisition of Bremer Financial Corporation (“Bremer”) and its wholly owned subsidiary, Bremer Bank, National Association. Pursuant to the terms of the merger agreement, each outstanding share of Bremer common stock was converted into the right to receive (i) $ 26.22 in cash without interest, (ii) 4.182 shares of Old National common stock and (iii) cash in lieu of fractional shares.
In addition, on November 25, 2024, Old National entered into a forward sale agreement with Citibank, N.A. (the “Forward Purchaser”) to issue 19,047,619 shares of Old National common stock for an aggregate offering amount of $ 400.0  million and entered into an underwriting agreement with Citigroup Global Markets Inc., as representative for the underwriters named therein (collectively, the “Underwriters”) and as forward seller (the “Forward Seller”), and the Forward Purchaser. The Underwriters were also granted a 30-day option to purchase up to an additional 2,857,143 shares of Old National common stock. On November 25, 2024, the Underwriters exercised this option in full, upon which Old National entered into an additional forward sale agreement to issue 2,857,143 shares of Old National common stock. Old National physically settled in full the forward sale agreements on May 23, 2025 by delivering 21,904,762 shares of Old National common stock to the Forward Purchaser. Old National received net proceeds from such sale of shares of Old National common stock and full physical settlement of the forward sale agreements of $ 443.2 million.
11

As of June 30, 2026, Old National finalized its valuation of all assets acquired and liabilities assumed. The following table presents a summary of all assets acquired and liabilities assumed, net of the fair value adjustments and the fair value of consideration as of the merger date and also includes certain reclassifications to conform to the current presentation in the Consolidated Balance Sheet:

(dollars and shares in thousands) May 1,
2025
Assets
Cash and cash equivalents $ 449,757  
Equity securities 26,070  
Investment securities 2,811,108  
FHLB/Federal Reserve Bank stock 93,924  
Loans held-for-sale 9,883  
Loans, net of allowance for credit losses 11,110,423  
Premises and equipment 99,965  
Goodwill 254,505  
Other intangible assets 440,099  
Company-owned life insurance 181,909  
Other assets 793,404  
Total assets $ 16,271,047  
Liabilities
Deposits $ 12,862,357  
Securities sold under agreements to repurchase 49,131  
Federal Home Loan Bank advances 1,559,227  
Other borrowings 205,194  
Accrued expenses and other liabilities 247,243  
Total liabilities $ 14,923,152  
Fair value of consideration

Common stock ( 50,183 shares issued at $ 20.59 per share)
$ 1,033,262  
Cash 314,633  
Total consideration $ 1,347,895  

Goodwill related to this merger will no t be deductible for tax purposes.
Other intangible assets acquired included core deposit intangibles and customer relationship intangibles. The estimated fair value of the core deposit intangible was $ 397.1 million and is being amortized over an estimated useful life of 10 years. The estimated fair value of the customer relationship intangibles was $ 43.0 million and is being amortized over an estimated useful life of 12 years.
The fair value of purchased credit deteriorated (“PCD”) assets was $ 1.9 billion on the date of merger. The gross contractual amounts receivable relating to the PCD assets was $ 2.1 billion. Old National estimates, on the date of the merger, that $ 103.5 million of the contractual cash flows specific to the PCD assets will not be collected.
Merger-related costs associated with the Bremer acquisition have been expensed for the three and six months ended June 30, 2026 totaling $ 12.0 million and $ 18.6 million, respectively, compared to $ 40.2 million and $ 40.9 million, respectively, for the three and six months ended June 30, 2025. Additional merger-related and integration costs will be expensed in future periods as incurred.
As a result of the acquisition, Old National assumed sponsorship of Bremer’s defined benefit pension plan under which both plan participation and benefit accruals were subsequently frozen and the plan was then terminated. The net pension asset associated with Bremer’s defined benefit pension plan is recorded in other assets on the consolidated balance sheet. Pension costs were not material in the three and six months ended June 30, 2026.
The Company’s results of operations for the three and six months ended June 30, 2026 include the operating results of the acquired assets and assumed liabilities of Bremer subsequent to the acquisition on May 1, 2025. Due to the integration of certain Bremer systems and processes since the acquisition date, the Company has determined that it is impractical to report the amounts of revenue and income before income taxes of legacy Bremer subsequent to the acquisition.
12

NOTE 4 – NET INCOME PER COMMON SHARE
Basic and diluted net income per common share are calculated using the two-class method. Net income applicable to common shares is divided by the weighted-average number of common shares outstanding during the period. Adjustments to the weighted-average number of common shares outstanding are made only when such adjustments will dilute net income per common share. Net income applicable to common shares is then divided by the weighted-average number of common shares and common share equivalents during the period.
The following table presents the calculation of basic and diluted net income per common share:

Three Months Ended
June 30, Six Months Ended
June 30,
(dollars and shares in thousands, except per share data) 2026 2025 2026 2025
Net income $ 253,414   $ 125,408   $ 487,086   $ 270,067  
Preferred dividends ( 4,033 ) ( 4,033 ) ( 8,067 ) ( 8,067 )

Net income applicable to common shares $ 249,381   $ 121,375   $ 479,019   $ 262,000  

Weighted average common shares outstanding:
Weighted average common shares outstanding (basic) 381,864   360,155   383,845   338,162  
Effect of dilutive securities:
Restricted stock 1,409   1,281   1,852   2,088  

Weighted average diluted shares outstanding 383,273   361,436   385,697   340,250  
Basic Net Income Per Common Share $ 0.65   $ 0.34   $ 1.25   $ 0.78  
Diluted Net Income Per Common Share $ 0.65   $ 0.34   $ 1.24   $ 0.77  

NOTE 5 – INVESTMENT SECURITIES
The following table summarizes the amortized cost and fair value of the available-for-sale portfolio and the corresponding amounts of gross unrealized gains, unrealized losses, and basis adjustments in accumulated other comprehensive income (loss) (“AOCI”).

(dollars in thousands) Amortized
Cost Unrealized
Gains Unrealized
Losses Basis
Adjustments (1)
Fair
Value
June 30, 2026        
Available-for-Sale        
U.S. Treasury $ 260,430   $ —   $ ( 11,365 ) $ ( 44,732 ) $ 204,333  
U.S. government-sponsored entities and agencies 1,534,177   8   ( 139,013 ) ( 66,355 ) 1,328,817  
Mortgage-backed securities - Agency 10,076,294   36,276   ( 533,124 ) —   9,579,446  
States and political subdivisions 318,074   1,262   ( 15,543 ) 637   304,430  
Pooled trust preferred securities 13,827   —   ( 951 ) —   12,876  
Other securities 156,568   750   ( 4,835 ) —   152,483  
Total available-for-sale securities $ 12,359,370   $ 38,296   $ ( 704,831 ) $ ( 110,450 ) $ 11,582,385  

December 31, 2025
Available-for-Sale
U.S. Treasury $ 269,313   $ 90   $ ( 7,615 ) $ ( 47,244 ) $ 214,544  
U.S. government-sponsored entities and agencies 1,567,036   402   ( 134,795 ) ( 60,251 ) 1,372,392  
Mortgage-backed securities - Agency 9,575,241   79,999   ( 487,205 ) —   9,168,035  
States and political subdivisions 438,642   2,275   ( 17,286 ) 2,377   426,008  
Pooled trust preferred securities 13,819   —   ( 2,085 ) —   11,734  
Other securities 195,946   1,138   ( 5,347 ) —   191,737  
Total available-for-sale securities $ 12,059,997   $ 83,904   $ ( 654,333 ) $ ( 105,118 ) $ 11,384,450  

(1)    Basis adjustments represent the amount of fair value hedging adjustments included in the carrying amounts of fixed-rate investment securities assets designated in fair value hedging arrangements. See Note 15 to the consolidated financial statements for additional information regarding these derivative financial instruments.
13

The following table summarizes the amortized cost and fair value of the held-to-maturity investment securities portfolio and the corresponding amounts of gross unrecognized gains and losses.

(dollars in thousands) Amortized
Cost Unrecognized
Gains Unrecognized
Losses Fair
Value
June 30, 2026      
Held-to-Maturity
U.S. government-sponsored entities and agencies $ 825,359   $ —   $ ( 137,815 ) $ 687,544  
Mortgage-backed securities - Agency 881,022   —   ( 135,338 ) 745,684  
States and political subdivisions 1,138,273   580   ( 103,723 ) 1,035,130  

Allowance for securities held-to-maturity ( 150 ) —   —   ( 150 )
Total held-to-maturity securities $ 2,844,504   $ 580   $ ( 376,876 ) $ 2,468,208  

December 31, 2025
Held-to-Maturity
U.S. government-sponsored entities and agencies $ 840,435   $ —   $ ( 129,526 ) $ 710,909  
Mortgage-backed securities - Agency 910,323   —   ( 127,505 ) 782,818  
States and political subdivisions 1,144,880   853   ( 99,072 ) 1,046,661  
Allowance for securities held-to-maturity ( 150 ) —  —  ( 150 )
Total held-to-maturity securities $ 2,895,488   $ 853   $ ( 356,103 ) $ 2,540,238  

Substantially all of the mortgage-backed securities in the investment portfolio are residential mortgage-backed securities.
Proceeds from sales or calls of available-for-sale investment securities and the resulting realized gains and realized losses were as follows:

Three Months Ended
June 30, Six Months Ended
June 30,
(dollars in thousands) 2026 2025 2026 2025
Proceeds $ 43,667   $ 2,092,486   $ 203,343   $ 2,163,445  
Realized gains 42   11   852   90  
Realized losses ( 76 ) ( 52 ) ( 811 ) ( 207 )

The table below shows the amortized cost and fair value of the investment securities portfolio by contractual maturity. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Weighted average yield is based on amortized cost.

  June 30, 2026
(dollars in thousands) Amortized
Cost Fair
Value Weighted
Average
Yield
Maturity
Available-for-Sale      
Within one year $ 215,995   $ 215,925   4.83   %
One to five years 3,718,906   3,615,549   4.12  
Five to ten years 7,363,333   6,899,316   4.01  
Beyond ten years 1,061,136   851,595   2.93  
Total $ 12,359,370   $ 11,582,385   3.97   %
Held-to-Maturity
Within one year $ 118   $ 113   2.28   %
One to five years 55,759   51,623   2.03  
Five to ten years 1,598,272   1,395,015   2.56  
Beyond ten years 1,190,355   1,021,457   2.82  
Total $ 2,844,504   $ 2,468,208   2.66   %

14

The following table summarizes the available-for-sale investment securities with unrealized losses for which an allowance for credit losses has not been recorded by aggregated major security type and length of time in a continuous unrealized loss position:

  Less than 12 months 12 months or longer Total
(dollars in thousands) Fair
Value Unrealized
Losses Fair
Value Unrealized
Losses Fair
Value Unrealized Losses
June 30, 2026
Available-for-Sale
U.S. Treasury $ 21,915   $ ( 32 ) $ 182,418   $ ( 11,333 ) $ 204,333   $ ( 11,365 )
U.S. government-sponsored entities
   and agencies 183,666   ( 1,636 ) 1,143,200   ( 137,377 ) 1,326,866   ( 139,013 )
Mortgage-backed securities - Agency 2,948,237   ( 29,525 ) 2,927,560   ( 503,599 ) 5,875,797   ( 533,124 )
States and political subdivisions 20,816   ( 142 ) 146,548   ( 15,401 ) 167,364   ( 15,543 )
Pooled trust preferred securities —   —   12,876   ( 951 ) 12,876   ( 951 )
Other securities 12,679   ( 24 ) 92,321   ( 4,811 ) 105,000   ( 4,835 )
Total available-for-sale $ 3,187,313   $ ( 31,359 ) $ 4,504,923   $ ( 673,472 ) $ 7,692,236   $ ( 704,831 )

December 31, 2025
Available-for-Sale
U.S. Treasury $ —   $ —   $ 184,175   $ ( 7,615 ) $ 184,175   $ ( 7,615 )
U.S. government-sponsored entities
   and agencies 79,916   ( 78 ) 1,173,044   ( 134,717 ) 1,252,960   ( 134,795 )
Mortgage-backed securities - Agency 252,875   ( 953 ) 3,157,476   ( 486,252 ) 3,410,351   ( 487,205 )
States and political subdivisions 6,561   ( 17 ) 234,389   ( 17,269 ) 240,950   ( 17,286 )
Pooled trust preferred securities —   —   11,734   ( 2,085 ) 11,734   ( 2,085 )
Other securities 1,766   ( 88 ) 124,990   ( 5,259 ) 126,756   ( 5,347 )
Total available-for-sale $ 341,118   $ ( 1,136 ) $ 4,885,808   $ ( 653,197 ) $ 5,226,926   $ ( 654,333 )

The following table summarizes the held-to-maturity investment securities with unrecognized losses aggregated by major security type and length of time in a continuous loss position:

  Less than 12 months 12 months or longer Total
(dollars in thousands) Fair
Value Unrecognized
Losses Fair
Value Unrecognized
Losses Fair
Value Unrecognized
Losses
June 30, 2026
Held-to-Maturity
U.S. government-sponsored entities
   and agencies $ —   $ —   $ 687,544   $ ( 137,815 ) $ 687,544   $ ( 137,815 )
Mortgage-backed securities - Agency —   —   745,684   ( 135,338 ) 745,684   ( 135,338 )
States and political subdivisions 38,340   ( 1,429 ) 949,001   ( 102,294 ) 987,341   ( 103,723 )
Total held-to-maturity $ 38,340   $ ( 1,429 ) $ 2,382,229   $ ( 375,447 ) $ 2,420,569   $ ( 376,876 )

December 31, 2025
Held-to-Maturity

U.S. government-sponsored entities
   and agencies $ —   $ —   $ 710,909   $ ( 129,526 ) $ 710,909   $ ( 129,526 )
Mortgage-backed securities - Agency —   —   782,818   ( 127,505 ) 782,818   ( 127,505 )
States and political subdivisions —   —   995,331   ( 99,072 ) 995,331   ( 99,072 )

Total held-to-maturity $ —   $ —   $ 2,489,058   $ ( 356,103 ) $ 2,489,058   $ ( 356,103 )

The unrecognized losses on held-to-maturity investment securities presented in the table above do not include unrecognized losses on securities that were transferred from available-for-sale to held-to-maturity totaling $ 86.9 million at June 30, 2026 and $ 94.1 million at December 31, 2025. These unrecognized losses are included as a separate component of shareholders’ equity and are being amortized over the remaining term of the securities.
No allowance for credit losses on available-for-sale debt securities was needed at June 30, 2026 or December 31, 2025.
15

An allowance on held-to-maturity debt securities is maintained for certain municipal bonds to account for expected lifetime credit losses. Substantially all of the U.S. government-sponsored entities and agencies and agency mortgage-backed securities are either explicitly or implicitly guaranteed by the U.S. government, are highly rated by major credit rating agencies, and have a long history of no credit losses. Therefore, for those securities, we do not record expected credit losses. The allowance for credit losses on held-to-maturity debt securities was $ 0.2 million at June 30, 2026 and December 31, 2025. Accrued interest receivable on the securities portfolio is excluded from the estimate of credit losses and totaled $ 69.6 million at June 30, 2026 and $ 70.1 million at December 31, 2025.
At June 30, 2026, Old National’s securities portfolio consisted of 2,989 securities, 2,297 of which were in an unrealized or unrecognized loss position. The unrealized and unrecognized losses attributable to our U.S. Treasury, U.S. government-sponsored entities and agencies, agency mortgage-backed securities, states and political subdivisions, and other securities are the result of fluctuations in interest rates and market movements. Old National’s pooled trust preferred securities are evaluated using collateral-specific assumptions to estimate the expected future interest and principal cash flows. At June 30, 2026, we had no intent to sell any securities that were in an unrealized loss position nor is it expected that we would be required to sell the securities prior to their anticipated recovery.
Old National’s pooled trust preferred securities have experienced credit defaults. However, we believe that the value of the instruments lies in the full and timely interest payments that will be received through maturity, the steady amortization that will be experienced until maturity, and the full return of principal by the final maturity of the collateralized debt obligations. Old National did not recognize any losses on these securities for the three or six months ended June 30, 2026 or 2025.
Equity Securities
Equity securities consist of mutual funds for Community Reinvestment Act qualified investments and diversified investment securities held in a grantor trust for participants in the Company’s nonqualified deferred compensation plan. Old National’s equity securities with readily determinable fair values totaled $ 131.1 million at June 30, 2026 and $ 128.9  million at December 31, 2025. There were gains on equity securities of $ 0.3 million during the three months ended June 30, 2026 and losses on equity securities of $ 0.4 million during the six months ended June 30, 2026, respectively, compared to losses on equity securities of $ 0.6 million and $ 0.5 million during the three and six months ended June 30, 2025, respectively.
Alternative Investments
Old National has alternative investments without readily determinable fair values that are included in other assets totaling $ 1.1 billion at June 30, 2026 and $ 1.0 billion at December 31, 2025. These investments consisted of $ 645.5 million of illiquid investments in partnerships, limited liability companies, and other ownership interests that support affordable housing and $ 428.9 million of economic development and community revitalization initiatives in low-to-moderate income neighborhoods at June 30, 2026, compared to $ 606.5 million and $ 410.0 million for the same investment types, respectively, at December 31, 2025. There have been no impairments or adjustments on alternative investments without readily determinable fair values, except for amortization of tax credit investments in the three and six months ended June 30, 2026 and 2025. See Note 9 to the consolidated financial statements for detail regarding these investments.

NOTE 6 – LOANS AND ALLOWANCE FOR CREDIT LOSSES
Loans
Old National’s loans consist primarily of loans made to consumers and commercial clients in many diverse industries, including real estate rental and leasing, manufacturing, healthcare, wholesale trade, construction, and agriculture, among others. Most of Old National’s lending activity occurs within our principal geographic markets in the Midwest and Southeast regions of the United States. Old National manages concentrations of credit exposure by industry, product, geography, client relationship, and loan size.
Old National has loan participations, which qualify as participating interests, with other financial institutions. At June 30, 2026, these loans totaled $ 3.7 billion, of which $ 1.8 billion had been sold to other financial institutions and $ 1.9 billion was retained by Old National. The loan participations convey proportionate ownership rights with equal priority to each participating interest holder; involve no recourse (other than ordinary representations and warranties) to, or subordination by, any participating interest holder; all cash flows are divided among the participating interest
16

holders in proportion to each holder’s share of ownership; and no holder has the right to pledge the entire financial asset unless all participating interest holders agree.
The loan categories used to monitor and analyze interest income and yields are different than the portfolio segments used to determine the allowance for credit losses on loans. The allowance for credit losses was calculated by pooling loans of similar credit risk characteristics and credit monitoring procedures. The four loan portfolios used to monitor and analyze interest income and yields – commercial, commercial real estate, residential real estate, and consumer – are reclassified into seven segments of loans – commercial, commercial real estate, business banking credit center (“BBCC”), residential real estate, indirect, direct, and home equity for purposes of determining the allowance for credit losses on loans. The commercial and commercial real estate loan categories shown on the balance sheet include the same pool of loans as the commercial, commercial real estate, and BBCC portfolio segments. The consumer loan category shown on the balance sheet is comprised of the same loans in the indirect, direct, and home equity portfolio segments. The portfolio segment reclassifications follow:

Balance Sheet
Line Item Portfolio
Segment
Reclassifications Portfolio
Segment After
Reclassifications

(dollars in thousands)
June 30, 2026
Commercial (1)
$ 16,112,685   $ ( 251,056 ) $ 15,861,629  
Commercial real estate 22,535,229   ( 185,429 ) 22,349,800  
BBCC N/A 436,485   436,485  
Residential real estate 8,760,832   —   8,760,832  
Consumer 3,363,838   ( 3,363,838 ) N/A
Indirect N/A 1,183,585   1,183,585  
Direct N/A 597,607   597,607  
Home equity N/A 1,582,646   1,582,646  
Total loans (2)
$ 50,772,584   $ —   $ 50,772,584  
Allowance for credit losses on loans ( 580,511 ) —   ( 580,511 )
Net loans $ 50,192,073   $ —   $ 50,192,073  

December 31, 2025
Commercial (1)
$ 14,983,861   $ ( 220,410 ) $ 14,763,451  
Commercial real estate 22,050,007   ( 175,670 ) 21,874,337  
BBCC N/A 396,080   396,080  
Residential real estate 8,467,496   —   8,467,496  
Consumer 3,262,798   ( 3,262,798 ) N/A
Indirect N/A 1,075,235   1,075,235  
Direct N/A 649,297   649,297  
Home equity N/A 1,538,266   1,538,266  
Total loans (2)
$ 48,764,162   $ —   $ 48,764,162  
Allowance for credit losses on loans ( 569,520 ) —  ( 569,520 )
Net loans $ 48,194,642   $ —   $ 48,194,642  

(1) Includes direct finance leases of $ 58.8 million at June 30, 2026 and $ 75.1  million at December 31, 2025.
(2)    Includes unamortized premiums and discounts, and unamortized deferred fees and costs of $ 455.6  million at June 30, 2026 and $ 540.1  million at December 31, 2025.
The risk characteristics of each loan portfolio segment are as follows:
Commercial
Commercial loans are classified primarily on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its clients.
17

Commercial Real Estate
Commercial real estate loans are classified primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts, and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be adversely affected by conditions in the real estate markets or in the general economy. The properties securing Old National’s commercial real estate portfolio are diverse in terms of type and geographic location. Management monitors and evaluates commercial real estate loans based on collateral, geography, and risk grade criteria. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner-occupied loans.
Included with commercial real estate are construction loans, which are underwritten utilizing independent appraisal reviews, sensitivity analysis of absorption and lease rates, financial analysis of the developers and property owners, and feasibility studies, if available. Construction loans are generally based on estimates of costs and value associated with the complete project. These estimates may be inaccurate. Construction loans often involve the disbursement of substantial funds with repayment substantially dependent on the success of the ultimate project. Sources of repayment for these types of loans may be pre-committed permanent loans from approved long-term lenders (including Old National), sales of developed property, or an interim loan commitment from Old National until permanent financing is obtained. These loans are closely monitored by on-site inspections and are considered to have higher risks than other real estate loans due to their ultimate repayment being sensitive to interest rate changes, governmental regulation of real property, general economic conditions, and the availability of long-term financing.
At 254 %, Old National Bank’s applicable investor commercial real estate loans as a percentage of its Tier 1 capital plus the allowance for credit losses attributable to loans and leases remained below the regulatory guideline limit of 300 % at June 30, 2026.
BBCC
BBCC loans are typically granted to small businesses with gross revenues of less than $5 million and aggregate debt of less than $1 million. Old National has established minimum debt service coverage ratios, minimum Fair Isaac Corporation (“FICO”) scores for owners and guarantors, and the ability to show relatively stable earnings as criteria to help mitigate risk. Repayment of these loans depends on the personal income of the borrowers and the cash flows of the business. These factors can be affected by such changes as economic conditions and unemployment levels.
Residential
With respect to residential loans that are secured by 1 - 4 family residences and are generally owner occupied, Old National typically establishes a maximum loan-to-value ratio and generally requires private mortgage insurance if that ratio is exceeded. Repayment of these loans is primarily dependent on the personal income of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Repayment can also be impacted by changes in residential property values. Portfolio risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.
Indirect
Indirect loans are secured by automobile collateral, generally new and used cars and trucks from auto dealers that operate within our footprint. Old National typically mitigates the risk of indirect loans by establishing minimum FICO scores, maximum loan-to-value ratios, and maximum debt-to-income ratios. Repayment of these loans depends largely on the personal income of the borrowers, which can be affected by changes in economic conditions such as unemployment levels. Portfolio risk is mitigated by the fact that the loans are of smaller amounts spread over many borrowers and ongoing reviews of dealer relationships.
Direct
Direct loans are typically secured by collateral such as auto or real estate or are unsecured. Old National has established underwriting standards such as minimum FICO scores, maximum loan-to-value ratios, and maximum debt-to-income ratios. Repayment of these loans depends largely on the personal income of the borrowers, which can be affected by changes in economic conditions such as unemployment levels. Portfolio risk is mitigated by the fact that the loans are of smaller amounts spread over many borrowers.
18

Home Equity
Home equity loans are generally secured by 1 - 4 family residences that are owner-occupied. Old National has established underwriting standards such as minimum FICO scores, maximum loan-to-value ratios, and maximum debt-to-income ratios. Repayment of these loans depends largely on the personal income of the borrowers, which can be affected by changes in economic conditions such as unemployment levels. Portfolio risk is mitigated by the fact that the loans are of smaller amounts spread over many borrowers, along with monitoring of updated borrower credit scores.
19

Allowance for Credit Losses
Loans
Credit loss assumptions used when computing the level of expected credit losses are estimated using a model that categorizes loan pools based on loss history, delinquency status, and other credit trends and risk characteristics, including current conditions and reasonable and supportable forecasts about the future. The base forecast scenario considers unemployment, gross domestic product, home price index, and the BBB ratio (BBB spread to the 10-year U.S. Treasury rate). In addition to the quantitative inputs, several qualitative factors are considered. These factors include the risk that macroeconomic forecasts of unemployment, gross domestic product, home price index, and the BBB ratio may prove to be more severe and/or prolonged than our baseline forecast due to a variety of considerations. Old National’s activity in the allowance for credit losses on loans by portfolio segment was as follows:

(dollars in thousands) Balance at
Beginning of
Period Allowance
Established
for Acquired
PCD Loans Charge-offs Recoveries Provision
for Loan
Losses Balance at
End of
Period
Three Months Ended June 30, 2026    
Commercial $ 244,640   $ —   $ ( 19,638 ) $ 6,670   $ 22,182   $ 253,854  
Commercial real estate 266,797   —   ( 18,155 ) 1,018   14,046   263,706  
BBCC 2,779   —   ( 486 ) 118   550   2,961  
Residential real estate 39,764   —   ( 74 ) 59   701   40,450  
Indirect 8,309   —   ( 1,395 ) 661   ( 347 ) 7,228  
Direct 2,412   —   ( 1,735 ) 689   907   2,273  
Home equity 9,657   —   ( 57 ) 78   361   10,039  
Total $ 574,358   $ —   $ ( 41,540 ) $ 9,293   $ 38,400   $ 580,511  
Three Months Ended June 30, 2025
Commercial $ 157,587   $ 30,492   $ ( 16,805 ) $ 973   $ 43,670   $ 215,917  
Commercial real estate 198,110   59,611   ( 9,438 ) 123   45,897   294,303  
BBCC 2,695   —   ( 53 ) 99   ( 253 ) 2,488  
Residential real estate 24,214   148   ( 247 ) 150   7,585   31,850  
Indirect 9,063   6   ( 1,766 ) 905   222   8,430  
Direct 2,053   47   ( 1,480 ) 701   1,243   2,564  
Home equity 8,210   138   ( 165 ) 475   899   9,557  
Total $ 401,932   $ 90,442   $ ( 29,954 ) $ 3,426   $ 99,263   $ 565,109  
Six Months Ended June 30, 2026
Commercial $ 244,670   $ —   $ ( 43,152 ) $ 10,061   $ 42,275   $ 253,854  
Commercial real estate 268,332   —   ( 26,622 ) 1,426   20,570   263,706  
BBCC 2,371   —   ( 1,296 ) 240   1,646   2,961  
Residential real estate 34,394   —   ( 386 ) 124   6,318   40,450  
Indirect 8,021   —   ( 3,207 ) 1,338   1,076   7,228  
Direct 2,478   —   ( 4,026 ) 1,196   2,625   2,273  
Home equity 9,254   —   ( 158 ) 199   744   10,039  
Total $ 569,520   $ —   $ ( 78,847 ) $ 14,584   $ 75,254   $ 580,511  
Six Months Ended June 30, 2025
Commercial $ 148,722   $ 30,492   $ ( 26,116 ) $ 2,253   $ 60,566   $ 215,917  
Commercial real estate 200,309   59,611   ( 21,098 ) 393   55,088   294,303  
BBCC 2,813   —   ( 57 ) 399   ( 667 ) 2,488  
Residential real estate 22,922   148   ( 277 ) 238   8,819   31,850  
Indirect 8,434   6   ( 3,700 ) 1,344   2,346   8,430  
Direct 2,304   47   ( 3,081 ) 1,213   2,081   2,564  
Home equity 7,018   138   ( 165 ) 510   2,056   9,557  
Total $ 392,522   $ 90,442   $ ( 54,494 ) $ 6,350   $ 130,289   $ 565,109  

The allowance for credit losses on loans at June 30, 2026 and June 30, 2025 included the impact of acquisition accounting adjustments and provision related to the Bremer acquisition which was completed on May 1, 2025. In addition, the provision for credit losses on loans in the three and six months ended June 30, 2025 included $ 69.1  million to establish an allowance for credit losses on non-PCD Bremer loans acquired. Accrued interest
20

receivable on loans is excluded from the estimate of credit losses and totaled $ 223.7 million at June 30, 2026, compared to $ 228.6 million at December 31, 2025.
Unfunded Loan Commitments
Old National maintains an allowance for credit losses on unfunded loan commitments to provide for the risk of loss inherent in these arrangements. The allowance is computed using a methodology similar to that used to determine the allowance for credit losses on loans, modified to take into account the probability of a drawdown on the commitment. The allowance for credit losses on unfunded loan commitments is classified as a liability account on the balance sheet within accrued expenses and other liabilities, while the corresponding provision for unfunded loan commitments is included in the provision for credit losses. Old National’s activity in the allowance for credit losses on unfunded loan commitments was as follows:

Three Months Ended
June 30, Six Months Ended
June 30,
(dollars in thousands) 2026 2025 2026 2025
Balance at beginning of period $ 33,725   $ 22,031   $ 35,633   $ 21,654  
Provision for credit losses on unfunded loan commitments
   acquired during the period —   6,458   —   6,458  
Provision (release) for credit losses on unfunded loan
   commitments ( 2,194 ) 1,114   ( 4,102 ) 1,491  
Balance at end of period $ 31,531   $ 29,603   $ 31,531   $ 29,603  

Credit Quality
Old National’s management monitors the credit quality of its loans on an ongoing basis with the asset quality rating (“AQR”) for commercial, commercial real estate, and BBCC loans reviewed annually or at renewal and the performance of its residential and consumer loans based upon the accrual status refreshed at least quarterly. Internally, management assigns an AQR to each non-homogeneous commercial, commercial real estate, and BBCC loan in the portfolio. The primary determinants of the AQR are the reliability of the primary source of repayment and the past, present, and projected financial condition of the borrower. The AQR will also consider current industry conditions. Major factors used in determining the AQR can vary based on the nature of the loan, but commonly include factors such as debt service coverage, internal cash flow, liquidity, leverage, operating performance, debt burden, FICO scores, occupancy, interest rate sensitivity, and expense burden. Old National uses the following definitions for risk ratings:
Special Mention . Loans categorized as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of Old National’s credit position at some future date.
Classified – Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that Old National will sustain some loss if the deficiencies are not corrected.
Classified – Nonaccrual . Loans classified as nonaccrual have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection in full, on the basis of currently existing facts, conditions, and values, in doubt.
Classified – Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as nonaccrual, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.
Pass rated loans are those loans that are other than special mention, classified – substandard, classified – nonaccrual, or classified – doubtful.
21

The following table summarizes the amortized cost of term loans by risk category of commercial, commercial real estate, and BBCC loans by class of loan and origination year:

(dollars in thousands) Origination Year Revolving to Term
2026 2025 2024 2023 2022 Prior Revolving Total
June 30, 2026
Commercial:

Pass $ 1,871,092   $ 2,956,426   $ 1,671,586   $ 985,812   $ 836,604   $ 1,915,799   $ 3,702,028   $ 796,631   $ 14,735,978  
Special Mention 26,182   31,903   95,687   72,440   20,039   11,691   121,703   8,147   387,792  
Classified:
Substandard 6,033   12,860   75,756   100,408   30,899   102,488   127,855   103,241   559,540  
Nonaccrual —   748   2,256   2,440   631   4,422   —   12,471   22,968  
Doubtful —   8,884   10,627   31,482   27,869   23,644   9,571   43,274   155,351  
Total $ 1,903,307   $ 3,010,821   $ 1,855,912   $ 1,192,582   $ 916,042   $ 2,058,044   $ 3,961,157   $ 963,764   $ 15,861,629  

Commercial real estate:

Pass $ 2,222,955   $ 3,929,498   $ 2,334,253   $ 2,073,302   $ 2,790,586   $ 6,115,231   $ 151,653   $ 902,194   $ 20,519,672  
Special Mention 2,669   14,374   14,760   28,664   90,982   143,033   3,681   8,244   306,407  
Classified:
Substandard 1,002   36,595   116,300   308,911   398,088   423,298   8,395   61,581   1,354,170  
Nonaccrual —   —   3,539   2,178   2,497   3,818   —   743   12,775  
Doubtful —   —   2,968   32,617   35,095   68,465   —   17,631   156,776  
Total $ 2,226,626   $ 3,980,467   $ 2,471,820   $ 2,445,672   $ 3,317,248   $ 6,753,845   $ 163,729   $ 990,393   $ 22,349,800  

BBCC:

Pass $ 37,165   $ 53,988   $ 47,789   $ 42,235   $ 30,268   $ 94,373   $ 85,108   $ 27,457   $ 418,383  
Special Mention 564   54   389   253   494   1,695   2,810   4,696   10,955  
Classified:
Substandard 22   77   217   598   233   530   1,681   1,651   5,009  
Nonaccrual —   —   —   333   105   395   —   319   1,152  
Doubtful —   —   —   —   —   355   —   631   986  
Total $ 37,751   $ 54,119   $ 48,395   $ 43,419   $ 31,100   $ 97,348   $ 89,599   $ 34,754   $ 436,485  

Origination Year Revolving to Term
2025 2024 2023 2022 2021 Prior Revolving Total
December 31, 2025
Commercial:

Pass $ 3,073,330   $ 1,895,772   $ 1,186,468   $ 1,064,904   $ 619,076   $ 1,567,563   $ 3,458,502   $ 774,686   $ 13,640,301  
Special Mention 23,368   84,827   88,803   18,830   7,878   8,161   82,334   14,990   329,191  
Classified:
Substandard 16,253   89,293   113,232   62,649   68,265   56,616   129,209   85,729   621,246  
Nonaccrual 140   1,617   6,003   7,053   1,001   654   8,659   1,944   27,071  
Doubtful —   7,337   34,925   27,218   2,409   24,547   —   49,206   145,642  
Total $ 3,113,091   $ 2,078,846   $ 1,429,431   $ 1,180,654   $ 698,629   $ 1,657,541   $ 3,678,704   $ 926,555   $ 14,763,451  

Commercial real estate:

Pass $ 3,746,158   $ 2,363,809   $ 2,510,901   $ 3,325,135   $ 1,945,116   $ 5,082,931   $ 169,450   $ 886,279   $ 20,029,779  
Special Mention 12,351   20,695   85,266   97,148   102,821   107,590   16,239   24,962   467,072  
Classified:
Substandard 14,773   34,761   184,806   294,789   116,261   321,725   45,692   120,284   1,133,091  
Nonaccrual —   4,721   1,282   6,905   5,442   24,308   —   23,642   66,300  
Doubtful —   3,120   23,039   38,716   22,966   60,503   —   29,751   178,095  
Total $ 3,773,282   $ 2,427,106   $ 2,805,294   $ 3,762,693   $ 2,192,606   $ 5,597,057   $ 231,381   $ 1,084,918   $ 21,874,337  

BBCC:

Pass $ 57,344   $ 53,469   $ 50,466   $ 35,366   $ 20,106   $ 75,805   $ 65,971   $ 20,036   $ 378,563  
Special Mention —   663   834   512   535   1,490   2,281   3,323   9,638  
Classified:
Substandard 86   191   474   304   26   724   203   2,877   4,885  
Nonaccrual 50   —   60   98   359   345   —   1,115   2,027  
Doubtful —   —   463   205   —   31   —   268   967  
Total $ 57,480   $ 54,323   $ 52,297   $ 36,485   $ 21,026   $ 78,395   $ 68,455   $ 27,619   $ 396,080  

22

For residential real estate and consumer loan classes, Old National evaluates credit quality based on the aging status of the loan and by payment activity. The performing or nonperforming status is updated on an on-going basis dependent upon improvement and deterioration in credit quality. The following table presents the amortized cost of term residential real estate and consumer loans based on payment activity and origination year:

Origination Year Revolving to Term
(dollars in thousands) 2026 2025 2024 2023 2022 Prior Revolving Total
June 30, 2026
Residential real estate:
Risk Rating:
Performing $ 577,590   $ 1,096,002   $ 469,884   $ 544,155   $ 1,606,443   $ 4,386,908   $ —   $ 578   $ 8,681,560  
Nonperforming 156   5,299   5,484   10,839   18,409   39,085   —   —   79,272  
Total $ 577,746   $ 1,101,301   $ 475,368   $ 554,994   $ 1,624,852   $ 4,425,993   $ —   $ 578   $ 8,760,832  

Indirect:
Risk Rating:
Performing $ 342,588   $ 354,289   $ 234,222   $ 128,792   $ 84,982   $ 33,017   $ 143   $ —   $ 1,178,033  
Nonperforming 93   1,110   1,132   1,401   1,191   625   —   —   5,552  
Total $ 342,681   $ 355,399   $ 235,354   $ 130,193   $ 86,173   $ 33,642   $ 143   $ —   $ 1,183,585  

Direct:
Risk Rating:
Performing $ 33,487   $ 61,641   $ 43,786   $ 39,378   $ 55,357   $ 133,931   $ 219,672   $ 5,525   $ 592,777  
Nonperforming 13   11   228   346   1,467   2,545   6   214   4,830  
Total $ 33,500   $ 61,652   $ 44,014   $ 39,724   $ 56,824   $ 136,476   $ 219,678   $ 5,739   $ 597,607  

Home equity:
Risk Rating:
Performing $ —   $ 53   $ 71   $ 281   $ 1,193   $ 14,646   $ 1,467,822   $ 76,540   $ 1,560,606  
Nonperforming —   —   40   64   871   4,465   2,539   14,061   22,040  
Total $ —   $ 53   $ 111   $ 345   $ 2,064   $ 19,111   $ 1,470,361   $ 90,601   $ 1,582,646  

Origination Year Revolving to Term
2025 2024 2023 2022 2021 Prior Revolving Total
December 31, 2025
Residential real estate:
Risk Rating:
Performing $ 955,730   $ 539,011   $ 584,626   $ 1,668,796   $ 1,960,186   $ 2,684,743   $ —   $ 598   $ 8,393,690  
Nonperforming 1,639   5,684   10,409   17,917   5,328   32,829   —   —   73,806  
Total $ 957,369   $ 544,695   $ 595,035   $ 1,686,713   $ 1,965,514   $ 2,717,572   $ —   $ 598   $ 8,467,496  

Indirect:
Risk Rating:
Performing $ 417,924   $ 296,068   $ 170,873   $ 124,182   $ 42,664   $ 17,567   $ 155   $ —   $ 1,069,433  
Nonperforming 574   1,299   1,747   1,332   638   212   —   —   5,802  
Total $ 418,498   $ 297,367   $ 172,620   $ 125,514   $ 43,302   $ 17,779   $ 155   $ —   $ 1,075,235  

Direct:
Risk Rating:
Performing $ 72,393   $ 54,308   $ 49,357   $ 53,343   $ 41,664   $ 132,876   $ 236,832   $ 4,193   $ 644,966  
Nonperforming 43   404   435   402   345   2,691   —   11   4,331  
Total $ 72,436   $ 54,712   $ 49,792   $ 53,745   $ 42,009   $ 135,567   $ 236,832   $ 4,204   $ 649,297  

Home equity:
Risk Rating:
Performing $ 11   $ 71   $ 395   $ 1,227   $ 651   $ 16,913   $ 1,443,256   $ 58,538   $ 1,521,062  
Nonperforming 42   40   45   938   95   3,359   546   12,139   17,204  
Total $ 53   $ 111   $ 440   $ 2,165   $ 746   $ 20,272   $ 1,443,802   $ 70,677   $ 1,538,266  

23

The following table summarizes the gross charge-offs of loans by loan portfolio segment and origination year: