Old National Q4 2025 adj. EPS $0.62, ROATCE 19.9%, NIM 3.65%, loan growth 6.4% annualized

OLD NATIONAL BANCORP /IN/

2025-FY EPS reported $1.79 vs consensus $0.60 ▲ beat (+198.9%)

Q4 2025 adjusted EPS $0.62 (GAAP $0.55); adjusted ROAA 1.37%, adjusted ROATCE 19.9%.
Net interest income (FTE) $589M, NIM 3.65% up 1 bp QoQ; total deposit cost down 17 bps to 1.80%.
Annualized loan growth 6.4% ($769M); total deposits up 0.6% annualized; NCOs 16 bps ex-PCD.
Tangible book value per share $13.71, up 17% annualized; CET1 ratio 11.1%.
Criticized/classified loans down 8% QoQ; nonaccrual loans declined $70M (-12%).

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