Old National Bancorp
Old National Bancorp is an Indiana-based financial holding company whose main banking subsidiary, Old National Bank, provides commercial and consumer banking services across the Midwest and Southeast United States. Through its bank and non-bank affiliates, it also offers wealth management, brokerage, trust, investment advisory, and capital markets services.
Tilikausi 2025 · muutos edellisvuodesta
Kehitys 2020–2025
Liiketoiminta
Osuus liikevaihdostaLoans, deposits, treasury management, and related services for businesses and public clients.
Retail deposits, personal loans, mortgage-related products, and branch-based banking services.
Trust, private banking, investment advisory, and brokerage services for individuals and institutions.
Client-facing capital markets, financing, and related fee-based financial services.
Ancillary banking and non-bank affiliate services supporting the franchise.
Asiakkaat
Old National serves commercial borrowers, retail depositors, and wealth clients across community and middle-market banking relationships. Its customer base is concentrated in the Midwestern and Southeastern U.S., with branch-centered relationships that emphasize deposits, lending, and advisory services.
Businesses that borrow for working capital, equipment, and real estate and use treasury services.
Individuals and families that maintain deposits and use consumer loan products through branches and digital channels.
Affluent individuals and families buying trust, brokerage, and investment advisory services.
Local operating accounts, lending, and payment services tied to branch relationships.
Borrowers and institutional clients using financing and market-related banking services.
Strategia
Old National’s strategy centers on community banking, relationship lending, and a low-cost deposit franchise that supports loan growth. The company also uses acquisitions to deepen its footprint in attractive regional markets while expanding wealth and capital markets capabilities around the core bank.
Low-cost deposits are the funding base for lending and liquidity management.
Loan growth drives earning assets while preserving credit quality.
M&A can add deposits, loans, and market density in attractive regions.
Wealth management and capital markets reduce reliance on spread income.
Maantiede
Old National operates primarily in the Midwest and Southeast United States, with banking centers concentrated in Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, North Carolina, North Dakota, Tennessee, and Wisconsin. Its largest deposit markets include Chicago, Minneapolis-St. Paul, and Evansville, making local economic conditions and population trends important to franchise growth.
Riskit
Old National is exposed to credit, interest-rate, liquidity, and competitive risks typical of regional banking, with performance tied to borrower health and deposit behavior. It also faces regulatory, cyber, and technology risks, including pressure from larger banks and fintech competitors and the operational complexity of acquisitions and integration.
- Credit deterioration in loan portfoliosVaikutus: KorkeaTodennäköisyys: Korkea
The bank lends against borrower cash flow and collateral, so downturns can increase charge-offs and provisions.
Kohdistuu - Interest-rate and deposit repricing riskVaikutus: KorkeaTodennäköisyys: Kohtalainen
Funding costs and loan yields reprice at different speeds, affecting net interest income and deposit retention.
Kohdistuu: Core deposits and loan book
- Competition from banks and fintechsVaikutus: KorkeaTodennäköisyys: Kohtalainen
Larger banks, credit unions, and fintech lenders can pressure pricing and customer acquisition.
Kohdistuu - Cybersecurity and operational disruptionVaikutus: KorkeaTodennäköisyys: Matala
Banking depends on secure systems, and outages or breaches can create financial and reputational damage.
Kohdistuu - Regional economic concentrationVaikutus: KeskitasoTodennäköisyys: Korkea
The franchise is concentrated in Midwest and Southeast markets, so local recessions or population shifts matter.
Kohdistuu
Kirjanpito
Harkinnanvaraiset erätManagement estimates future loan losses using borrower, collateral, and macroeconomic assumptions.
Vaikutus: Affects provision expense, earnings, and balance-sheet reserves
Bank acquisitions create fair value marks, core deposit intangibles, and goodwill that must be tracked over time.
Vaikutus: Affects reported assets, amortization, and impairment risk
Market rates and spreads change the value of investment securities and hedging instruments.
Vaikutus: Affects accumulated other comprehensive income and earnings
Acquired franchises must be tested if market conditions or performance weaken.
Vaikutus: Can create non-cash charges and reduce equity
Samankaltaisia listattuja yhtiöitä
Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.
Old Second Bancorp, Inc
OSBC · State Commercial Banks
First Bancorp, Inc
FNLC · National Commercial Banks
Northwest Bancshares, Inc.
NWBI · National Commercial Banks
U.S. Bancorp
USB · National Commercial Banks
U.S.
LCNB Corporation
LCNB · National Commercial Banks
S&T Bancorp, Inc
STBA · State Commercial Banks
Päivitetty: 24.9.2026