Company: ONBPP
Filing Date: 2025-10-29
Form Type: 10-Q
Source: 0000707179-25-000064
Chunk: 216

Company: OLD NATIONAL BANCORP /IN/
Filing Date: 2025-10-29
Form: 10-Q
Item: Item 8
Chunk 216
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 and 3.99% for the three and nine months ended 

68

September 30, 2025, respectively, compared to 3.63% and 3.59% for the three and nine months ended September 30, 2024, respectively.

Loan Portfolio

We lend to consumer and commercial clients in many diverse industries including real estate rental and leasing, manufacturing, healthcare, wholesale trade, construction, and agriculture, among others. Old National manages concentrations of credit exposure by industry, product, geography, client relationship, and loan size. The following table presents the composition of the loan portfolio:

(dollars in thousands)September 30,2025December 31, 2024$ Change% ChangeCommercial$14,506,375 $10,288,560 $4,217,815 41.0 %Commercial real estate22,083,734 16,307,486 5,776,248 35.4 Residential real estate8,190,127 6,797,586 1,392,541 20.5 Consumer3,187,679 2,892,255 295,424 10.2 Total loans$47,967,915 $36,285,887 $11,682,028 32.2 %

The following table presents the composition of the loan portfolio by state:

(dollars in thousands)CommercialCommercialReal EstateResidentialReal EstateConsumerTotalLoansPercent ofTotalSeptember 30, 2025Minnesota$3,016,736 $5,511,332 $1,696,504 $346,943 $10,571,515 22 %Illinois2,879,324 3,502,153 1,460,346 598,932 8,440,755 18 %Indiana1,609,115 1,756,730 1,106,093 928,121 5,400,059 11 %Wisconsin1,117,045 2,879,665 560,149 181,861 4,738,720 10 %Michigan697,885 1,328,960 634,139 260,715 2,921,699 6 %Tennessee498,247 1,344,039 250,759 234,427 2,327,472 5 %North Dakota505,607