Old National (ONB) reported FY 2025 net income available to common shareholders of USD 653.12 million, or USD 1.79 per diluted share, with net interest income of USD 2.06 billion (+34%) and noninterest income of USD 466.53 million. Provision for credit losses was USD 197.72 million, while noninterest expense totaled USD 1.49 billion. ONB said results reflected the completion of its Bremer partnership on May 1, 2025, with total deposits of USD 55.09 billion (+35%) and total loans of USD 48.76 billion (+34%); the loan-to-deposit ratio was 89%. ONB highlighted FY 2025 merger-related expenses of USD 140.88 million and CECL Day 1 non-PCD provision expense related to acquired non-PCD loans of USD 75.60 million; excluding notable items, adjusted net income available to common shares was USD 808.59 million, or USD 2.21 per diluted share. The company also reported an efficiency ratio of 55.10% and net charge-offs to average loans of 0.25%, and said the majority of Bremer system conversions were completed in mid-October 2025.

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