FDIC Cert #3832 · Evansville, Indiana · Est. 1907

Old National Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$71.8B
Total assets
B
Health grade · Good
1.16%
Return on assets
11.1%
Tier 1 capital

Data updated July 2026

The verdict

Old National Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.05% Tier 1, profitable at 1.16% ROA, efficient (52% cost ratio).

#40
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
11.05%
Tier 1 ratio - above the 10% well-capitalized line
55th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 3832 · IN B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2390/4307
  • PHOTO-FINISH The First National B… · IL
  • TIER1-WELL 11.1% Tier 1
  • TEXAS-CLEAN 6.0% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: The First National Bank of Raymond, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Old National Bank

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Aspire Bank · ND · near76/100First Community Bank… · IL ·…76/100Great Rivers Bank · IL · near76/100Old National Bank · IN · thi…76/100The First National B… · IL ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Old National Bank · July 2026

What Old National Bank's Call Report plate shows

Old National Bank (FDIC Cert #3832) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,390 of 4,307. Tier 1 capital prints at 11.05%, clearing the 10% well-capitalized line. The Texas Ratio is 6.03%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $71.8B, 40th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First National Bank of Raymond (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Old National Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Old National Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Old National Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Old National Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Old National Bank's composite health score
Tier 1 Capital Ratio (11.05%) 28/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (6.03%) 16/20
Efficiency Ratio (51.80%) 12/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$71.8B

Total balance-sheet footings

Total Deposits

$55.6B

Customer-funded liabilities

Net Loans

$48.2B

Outstanding loan book

Net Income

$746M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.65% 11.05% 12.45%
Basel III capital ratios - Old National Bank

Where Old National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Old National Bank's score of 76/100 falls in the highlighted band.

Old National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 45th percentile higher than 45% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Old National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Old National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Old National Bank's $71.8B falls in the highlighted band.

Safety ratios for Old National Bank

Tier 1 capital ratio
Well-capitalized 10%

11.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.05%
Texas Ratio
6.03%
Equity Capital
$8.1B

What these ratios mean →

Earnings posture at Old National Bank

Return on Assets (ROA)
55th percentile nationally
1.16%
Return on Equity (ROE)
10.20%
Efficiency Ratio
51.80%

What these mean →

Income & expense at Old National Bank

$3.3B
Interest Income
$452M
Non-Interest Income
$1.4B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Old National Bank reports a Texas Ratio of 6.03% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.03% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Old National Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Old National Bank by assets

Measured strictly by total assets rather than geography, Old National Bank's closest national peers include UMB Bank, SouthState Bank, Columbia Bank, Valley National Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Indiana. Averaged across this asset-matched cohort, return on assets runs 1.26% (Old National Bank is below that at 1.16%), the efficiency ratio averages 47.60% (Old National Bank runs higher at 51.80%), and Tier 1 capital averages 13.29% (Old National Bank holds less at 11.05%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $71.8B in assets, Old National Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Old National Bank nationally by total assets
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  3. 3
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  4. 4
    Valley National Bank $64.1B

    Passaic, NJ · Grade B

  5. 5
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  6. 6
    East West Bank $79.7B

    Pasadena, CA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Old National Bank (this bank) IN $71.8B 1.16% 51.80% 11.05%
UMB Bank, National Association MO $72.8B 1.01% 56.76% 11.34%
SouthState Bank, National Association FL $67.2B 1.40% 47.64% 12.54%
Columbia Bank OR $66.8B 1.00% 55.35% 12.32%
Valley National Bank NJ $64.1B 0.99% 53.71% 12.46%
CIBC Bank USA IL $64.0B 1.47% 37.10% 17.22%
East West Bank CA $79.7B 1.72% 35.05% 13.85%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($71.8B here), outside Indiana so the neighborhood is not state containment.

UMB Bank $72.8B · MO SouthState Bank $67.2B · FL Columbia Bank $66.8B · OR Valley National Bank $64.1B · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Old National Bank (FDIC Cert #3832) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Old National Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%
United Fidelity Bank, fsbEvansville $6.3B D -0.09%