Revenue: As of FY2025 Q3, the actual value is USD 1.048 B.

EPS: As of FY2025 Q3, the actual value is USD 0.46.

EBIT: As of FY2025 Q3, the actual value is USD -342.01 M.

Financial Metrics by Segment

Net Income

• Net income applicable to common shares was $178.5 million, with an adjusted net income of $231.3 million.

Net Interest Income and Margin

• 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.

Operating Performance

• Pre-provision net revenue was $267.3 million, with an adjusted pre-provision net revenue of $336.6 million, up 16%.
• Noninterest expense was $445.7 million, with an adjusted noninterest expense of $376.5 million.
• Efficiency ratio was 58.8%, with an adjusted efficiency ratio of 48.1%.

Deposits and Funding

• Total deposits were $55.0 billion, up 4.8% annualized, with core deposits up 5.8% annualized.

Loans and Credit Quality

• Total loans were $48.0 billion, up 0.6% annualized, with a provision for credit losses of $26.7 million.
• Net charge-offs were $30.0 million, or 25 basis points of average loans.

Return Profile & Capital

• Return on average tangible common equity was 15.9%, with an adjusted return of 20.1%.
• Preliminary regulatory Tier 1 common equity to risk-weighted assets was 11.02%, up 28 basis points.

Notable Items

• $69.3 million of pre-tax merger-related charges were included in the results.

Outlook / Guidance

• Old National Bancorp is well-positioned for the remainder of 2025 and beyond, following the completion of conversion activities related to the Bremer partnership.
• A slide presentation outlining third quarter of 2025 earnings, strategic developments, and the Company’s financial outlook will be available on the “Investor Relations” section of the Company’s website to complement the conference call to be held on October 22, 2025, at 9:00 a.m. CDT.