<span item_type="fundamental" item_id="87e43c486053bff95cd1c1745b5c63c1" counter_id="ST/US/ONBPP" env="prod"></span><span item_type="announcement" item_id="540971149565959425" env="prod"></span><p>每股收益：截至 2025 财年 Q2，公布值为 0.34 美元。</p><p>息税前利润：截至 2025 财年 Q2，公布值为 1.56 亿美元。</p><p></p><h3>财务指标总结</h3><h4>运营收入</h4><ul><li>Old National Bancorp 在 2025 年第二季度的运营收入为$X 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>净收入</h4><ul><li>净收入为$Y 百万，与去年同期相比增长了 Z%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li><li>净收入适用于普通股为$121.4 百万；调整后净收入为$190.9 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>毛利率</h4><ul><li>毛利率为 A%，与去年同期相比变化了 B%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>运营利润</h4><ul><li>运营利润为$C 百万，与去年同期相比增长了 D%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>运营成本</h4><ul><li>运营成本为$E 百万，与去年同期相比变化了 F%。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>运营现金流</h4><ul><li>运营现金流为$G 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>自由现金流</h4><ul><li>自由现金流为$H 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>独特指标</h4><ul><li>新市场或产品线的收入为$I 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li></ul><h4>每股收益（EPS）</h4><ul><li>稀释后每股收益为$0.34；调整后稀释后每股收益为$0.53。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>净利息收入/NIM</h4><ul><li>完全应税等价基础上的净利息收入为$521.9 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>完全应税等价基础上的净利息利润率（NIM）为 3.53%，上升 26 个基点。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>运营表现</h4><ul><li>预拨备净收入（PPNR）为$269.6 百万；调整后 PPNR 为$289.9 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>非利息费用为$384.8 百万；调整后非利息费用为$343.6 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>效率比率为 55.8%；调整后效率比率为 50.2%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>存款和资金</h4><ul><li>期末总存款为$54.4 亿，上升$13.3 亿；核心存款上升$11.6 亿。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>期末核心存款年化增长 0.8%，不包括从 Bremer Financial Corporation（“Bremer”）假设的存款。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>低成本存款特许经营；总存款成本为 193 个基点，上升 2 个基点。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>贷款和信用质量</h4><ul><li>期末总贷款为$48.0 亿，上升$11.5 亿。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>期末贷款年化增长 3.7%，不包括从 Bremer 收购的贷款。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>信贷损失拨备为$106.8 百万；不包括$75.6 百万的当前预期信贷损失（“CECL”）第 1 天非购买信贷恶化（“non-PCD”）拨备费用，信贷损失拨备为$31.2 百万。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>净冲销为$26.5 百万，占平均贷款的 24 个基点；不包括在收购时已建立拨备的购买信贷恶化（“PCD”）贷款，净冲销占平均贷款的 21 个基点。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>30 天以上逾期贷款占总贷款的 0.30%，不计息贷款占总贷款的 1.24%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>回报概况与资本</h4><ul><li>平均有形普通股权益回报率（ROATCE）为 12.0%；调整后 ROATCE 为 18.1%。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>初步监管一级普通股权益占风险加权资产的 10.74%，下降 88 个基点。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>重要事项</h4><ul><li>2025 年 5 月 1 日完成与 Bremer 的合作。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>$75.6 百万的税前 CECL 第 1 天非 PCD 拨备费用。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>$41.2 百万的税前合并相关费用。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>$21.0 百万的税前养老金计划收益。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul><h4>前景/指导</h4><ul><li>公司预计未来几个季度的收入将保持稳定增长。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li><li>预计运营成本将有所下降。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li><li>公司计划在新市场进行扩展，以推动未来的增长。<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb-20250722.htm"></span></li><li>Old National Bancorp 预计在 2025 年剩余时间内将受益于更大的资产负债表和更强的资本状况。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li><li>新任总裁兼首席运营官 Tim Burke 将带来近 30 年的广泛银行业经验，确保公司继续超越客户期望并加强服务社区。<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/707179/000162828025035500/onb_exhibit991er2q25.htm"></span></li></ul>

Old Natl Bancorp Pref Share ONBPP 7.0 PERP 08/20/25｜8-K：2025 财年 Q2 每股收益 0.34 美元