The earnings call demonstrated strong performance in key financial metrics, successful integration of the Bremer partnership, and a robust capital position. These were slightly offset by cautious loan growth outlook due to competitive pressures and economic uncertainties.

Company Guidance

During Old National Bancorp's second quarter 2025 earnings call, CEO Jim Ryan highlighted the company's strong performance, meeting or exceeding guidance across various metrics. Key achievements included an 18% increase in adjusted earnings per share to $0.53, a 14% year-over-year rise in tangible book value, and a CET1 capital ratio of 10.74%. The company successfully integrated Bremer Bank ahead of schedule, which contributed to growth in loans and deposits and improved the CET1 ratio by 50 basis points. Net charge-offs were 24 basis points, and the allowance for credit losses improved by 8 basis points to 1.24%. Total deposits increased by $13.3 billion, with core deposits up just under 1% annualized, excluding Bremer. The loan deposit ratio stood at 88%, and the company demonstrated disciplined expense management, resulting in positive operating leverage. Looking ahead, Old National remains cautious due to competitive pressures but optimistic about continued growth and maintaining strong credit quality.

Exceeded Earnings Guidance

Old National reported GAAP 2Q earnings per share of $0.34, with adjusted earnings of $0.53, representing an 18% increase over the prior quarter and 15% year over year.

Successful Bremer Partnership

The Bremer Bank partnership closed ahead of schedule, adding to earnings momentum. Integration is on track with a systems conversion planned for mid-October.

Strong Capital Position

CET1 ratio was 10.74%, approximately 50 basis points higher than expected. Tangible book value increased by 14% year over year.

Loan and Deposit Growth

Period-end loans increased by $11.5 billion, and total deposits grew by $13.3 billion, with core deposits up nearly 1% annualized.

Controlled Expenses and Positive Operating Leverage

Run rate expenses remained well controlled, resulting in positive operating leverage year over year.

Old National Bancorp Capital (ONB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ONB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	0.56 / -	0.46	―	―	―
Jul 22, 2025	2025 (Q2)	0.52 / 0.53	0.46	15.22% (+0.07)
Apr 22, 2025	2025 (Q1)	0.43 / 0.45	0.45	0.00% (0.00)
Jan 21, 2025	2024 (Q4)	0.46 / 0.49	0.46	6.52% (+0.03)
Oct 22, 2024	2024 (Q3)	0.46 / 0.46	0.51	-9.80% (-0.05)
Jul 23, 2024	2024 (Q2)	0.44 / 0.46	0.54	-14.81% (-0.08)
Apr 23, 2024	2024 (Q1)	0.43 / 0.45	0.54	-16.67% (-0.09)
Jan 23, 2024	2023 (Q4)	0.48 / 0.46	0.56	-17.86% (-0.10)
Oct 24, 2023	2023 (Q3)	0.50 / 0.51	0.51	0.00% (0.00)
Jul 25, 2023	2023 (Q2)	0.50 / 0.54	0.46	17.39% (+0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ONB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$22.65	$22.31	-1.50%
Apr 22, 2025	$19.07	$19.80	+3.83%
Jan 21, 2025	$22.63	$23.35	+3.18%
Oct 22, 2024	$18.51	$18.51	0.00%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Old National Bancorp Capital (ONB) report earnings?

Old National Bancorp Capital (ONB) is schdueled to report earning on Oct 28, 2025, Before Open (Confirmed).

What is Old National Bancorp Capital (ONB) earnings time?

Old National Bancorp Capital (ONB) earnings time is at Oct 28, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ONB EPS forecast?

ONB EPS forecast for the fiscal quarter 2025 (Q3) is 0.56.

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