<span item_type="fundamental" item_id="0b68c13abd1363055cd9cb418ad9938b" counter_id="ST/US/ONBPP" env="prod"></span><span item_type="announcement" item_id="574311281267973377" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 705.07 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.46.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -342.01 M.</p><p></p><h3>Net Income</h3><ul><li>Net income applicable to common shares was $178.5 million, with adjusted net income of $231.3 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Net Interest Income and Margin</h3><ul><li>Net interest income on a fully taxable equivalent basis was $582.6 million, with a net interest margin of 3.64%, up 11 basis points.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Operating Performance</h3><ul><li>Pre-provision net revenue was $267.3 million, with adjusted pre-provision net revenue of $336.6 million, up 16%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li><li>Noninterest expense was $445.7 million, with adjusted noninterest expense of $376.5 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li><li>Efficiency ratio was 58.8%, with an adjusted efficiency ratio of 48.1%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Deposits and Funding</h3><ul><li>Total deposits were $55.0 billion, up 4.8% annualized, with core deposits up 5.8% annualized.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Loans and Credit Quality</h3><ul><li>Total loans were $48.0 billion, up 0.6% annualized, and up 3.1% annualized excluding loans acquired from Bremer.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li><li>Provision for credit losses was $26.7 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li><li>Net charge-offs were $30.0 million, or 25 basis points of average loans.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Return Profile &amp; Capital</h3><ul><li>Return on average tangible common equity was 15.9%, with an adjusted return of 20.1%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li><li>Preliminary regulatory Tier 1 common equity to risk-weighted assets was 11.02%, up 28 basis points.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Notable Items</h3><ul><li>$69.3 million of pre-tax merger-related charges were included in the results.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>Old National Bancorp is well-positioned for the remainder of 2025 and beyond, following the completion of conversion activities related to the Bremer partnership.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025045771/onb_exhibit991er3q25.htm"></span></li></ul>

Old Natl Bancorp Pref Share ONBPP 7.0 PERP 08/20/25 | 8-K: FY2025 Q3 Revenue: USD 705.07 M