Old National posts record Q3 2026 net income of $250.0M, EPS $0.66, record 46.1% efficiency ratio

OLD NATIONAL BANCORP /IN/

Net income applicable to common shares $250.0M, diluted EPS $0.66 (adjusted $0.66); includes $0.9M Bremer pension settlement gain and $0.7M pre-tax merger charges.
Net interest income (FTE) $592.0M vs $586.5M prior quarter; NIM 3.52%, down 2 bps; total deposit cost 1.79%, up 8 bps; loan-to-deposit ratio 89%.
Period-end deposits $57.6B, up 10.6% annualized; loans $51.2B, up $362.3M or 2.9% annualized, with C&I +$148.0M and CRE +$157.3M; commercial pipeline $4.4B.
Noninterest income $128.4M vs $153.6M; excluding pension gains down 9.1% on ~$10M elevated 2Q other income; adjusted noninterest expense $354.7M; adjusted efficiency ratio 44.9%.
Provision $33.6M vs $36.2M; net charge-offs $34.1M (27 bps); 30+ day delinquencies 0.25%; nonaccruals 0.92%; CET1 11.11%; repurchased $100M stock, paid $55M dividends.

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