Visbanking Logo
Skip to main content

Old National Bank

IDRSSD: 208244
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q2QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #208244 2025-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ -1
85
Sub-score

Liquidity is strong: brokered 6.0%, loans/deposits 86.4%.

Cash / Assets
—
Loans / Deposits
86.43%
Brokered %
5.97%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.35%
No watch items at this period.

Capitalization

WatchQoQ -10
43
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.86%, CET1 0.00%, leverage 8.60%.

Tier 1 RBC
10.86%
CET1
0.00%
Leverage
8.60%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ 0
92
Sub-score

Asset quality is strong: Adjusted NPL 1.29%, Texas Ratio 9.8%, NCO YTD 0.25%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
9.8%
NCO YTD
0.25%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +7
54
Sub-score

Reserves are deteriorating: ALLL 1.18% of loans, coverage 92.4%, true coverage 76.9%.

ALLL / Loans
1.18%
Coverage
92.4%
True Loss Coverage
76.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:08:42 UTC