Total Assets
$71.8B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$55.6B
Customer-funded liabilities
Net Loans
$48.2B
Outstanding loan book
Net Income
$746M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
55th percentile nationally
1.16%
Return on Equity (ROE)
10.20%
Efficiency Ratio
51.80%
What the numbers say about Old National Bank
Old National Bank is an FDIC-insured institution (Certificate #3832) headquartered in Evansville, Indiana, established in 1907. It holds $71.8B in total assets - 40th of 4,313 FDIC-insured banks, $55.6B in customer deposits, and $48.2B in net loans. Capital-wise, the Tier 1 ratio sits at 11.05%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.03%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (76 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Old National Bank sits in the top decile of all FDIC-insured institutions by asset size (40th of 4,313), and within Indiana it ranks 1st of 90 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Merchants Bank of Indiana, at $19.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Indiana by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Old National Bank's health grade?▼
Old National Bank receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Old National Bank?▼
Old National Bank holds $71.8B in total assets and $55.6B in deposits, ranking 40th of 4,313 FDIC-insured banks by asset size. It is headquartered in Evansville, Indiana.
Is my money safe at Old National Bank?▼
Yes, deposits at Old National Bank (Certificate #3832) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Old National Bank's Tier 1 Capital Ratio?▼
Old National Bank has a Tier 1 Capital Ratio of 11.05%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Old National Bank?▼
Old National Bank has a Texas Ratio of 6.03%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Old National Bank?▼
Old National Bank has an Efficiency Ratio of 51.80%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Old National Bank's profile as a depositor or analyst.
- Old National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Old National Bank against other Indiana banks before moving funds. Indiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.