Old National Bancorp (ONB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Old National Bancorp (ONB), uma potência financeira do Centro -Oeste que transforma o banco tradicional por meio de modelagem inovadora de negócios. Ao misturar perfeitamente a tecnologia digital, as experiências personalizadas dos clientes e as estratégias focadas na comunidade, o ONB criou um modelo de negócios abrangente que navega no cenário financeiro complexo com uma agilidade notável. Sua abordagem única integra plataformas digitais de ponta, serviços bancários robustos e relacionamentos regionais profundos, posicionando-os como um ator dinâmico no ecossistema bancário em evolução.

Old National Bancorp (ONB) - Modelo de Negócios: Principais Parcerias

Aliança estratégica com empresas regionais de tecnologia financeira

A Old National Bancorp estabeleceu parcerias estratégicas com várias empresas de tecnologia financeira para aprimorar os recursos bancários digitais:

Parceiro de tecnologia	Foco em parceria	Ano de implementação
Finsastra	Integração do sistema bancário principal	2022
Fiserv	Soluções de pagamento digital	2021
Jack Henry & Associados	Plataforma bancária móvel	2023

Colaboração com organizações e empresas comunitárias locais

O Old National Bancorp mantém fortes parcerias locais em suas regiões operacionais:

• Conselhos de Desenvolvimento Econômico em Indiana, Illinois, Kentucky e Michigan
• Parcerias do Programa de Empréstimos para Administração de Pequenas Empresas (SBA)
• Câmaras de comércio locais em 6 estados

Tipo de parceria	Número de parcerias ativas	Investimento comunitário anual
Organizações comunitárias	87	US $ 4,2 milhões
Redes de pequenas empresas	53	US $ 2,8 milhões

Parceria com provedores de soluções bancárias digitais

As parcerias bancárias digitais se concentram na inovação tecnológica e no aprimoramento da experiência do cliente:

• Xadrez para conectividade de dados financeiros
• Visto para integração de tecnologia de pagamento
• MasterCard para soluções de carteira digital

Relacionamento com provedores de seguros e serviços de investimento

Provedor	Tipo de serviço	Receita de parceria
Seguro nacional	Referências de gestão de patrimônio	US $ 12,5 milhões
Edward Jones	Serviços de consultoria de investimentos	US $ 8,3 milhões
Grupo Financeiro Principal	Planejamento de aposentadoria	US $ 6,7 milhões

Old National Bancorp (ONB) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

A partir do quarto trimestre de 2023, o Old National Bancorp registrou ativos totais de US $ 26,3 bilhões. O banco fornece serviços bancários abrangentes em 7 estados com 250 locais bancários.

Categoria de serviço bancário	Valor total do portfólio	Número de clientes
Empréstimos comerciais	US $ 12,4 bilhões	37,500
Bancos pessoais	US $ 8,9 bilhões	275,000

Gerenciamento de plataforma bancária digital

A Old National oferece soluções bancárias digitais com as seguintes métricas:

• Usuários bancários móveis: 215.000
• Contas ativas bancárias on -line: 285.000
• Volume de transação digital: 3,2 milhões de transações mensais

Origem e subscrição de empréstimos

Tipo de empréstimo	Volume total	Tempo médio de processamento
Empréstimos comerciais	US $ 7,6 bilhões	5-7 dias úteis
Hipotecas residenciais	US $ 3,2 bilhões	14-21 dias

Gerenciamento de riscos e conformidade

Old National mantém um Estrutura de conformidade robusta com:

• Equipe de conformidade: 125 profissionais dedicados
• Orçamento anual de conformidade: US $ 18,5 milhões
• Classificação do exame regulatório: satisfatório

Conselho financeiro e gestão de patrimônio

Segmento de serviço	Ativos sob gestão	Número de clientes
Gestão de patrimônio	US $ 4,7 bilhões	22,000
Aviso de investimento	US $ 2,3 bilhões	15,500

Old National Bancorp (ONB) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir do quarto trimestre de 2023, o Old National Bancorp opera 296 centros bancários em 7 estados na região do Centro -Oeste, incluindo Indiana, Illinois, Kentucky, Michigan, Minnesota, Ohio e Wisconsin.

Estado	Número de ramificações
Indiana	156
Illinois	48
Kentucky	37
Outros estados	55

Infraestrutura bancária digital

Métricas bancárias digitais:

• Usuários bancários móveis: 682.000
• Plataformas bancárias on -line: aplicativos da Web e móveis totalmente integrados
• Volume da transação digital: 78% do total de transações em 2023

Recursos de capital humano

Total de funcionários em 31 de dezembro de 2023: 4.812

Categoria de funcionários	Número de funcionários
Funcionários em tempo integral	4,592
Funcionários de meio período	220

Recursos financeiros

Principais métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 27,8 bilhões
• Total de depósitos: US $ 22,3 bilhões
• Total dos acionistas do patrimônio: US $ 3,9 bilhões
• Tier 1 Capital Ratio: 12,4%

Recursos tecnológicos

Investimento de tecnologia em 2023:

• Orçamento de tecnologia e inovação: US $ 87 milhões
• Investimento de infraestrutura de segurança cibernética: US $ 22 milhões
• Iniciativas de transformação digital: modernização contínua de sistemas bancários

Old National Bancorp (ONB) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para diversos segmentos de clientes

A partir do quarto trimestre de 2023, o Old National Bancorp atende aproximadamente 3,5 milhões de clientes em vários estados, incluindo Indiana, Illinois, Kentucky, Michigan e Wisconsin.

Segmento de clientes	Serviços personalizados	Valor médio da conta
Bancos pessoais	Contas de verificação/poupança	$52,300
Pequenas empresas	Verificação de negócios/empréstimos	$175,600
Corporativo	Bancos comerciais	US $ 1,2 milhão

Experiências bancárias digitais e tradicionais abrangentes

Estatísticas da plataforma bancária digital para 2023:

• Usuários bancários móveis: 1,2 milhão
• Transações bancárias online: 42,3 milhões anualmente
• Taxa de abertura da conta digital: 65% das novas contas

Taxas de juros competitivas e produtos financeiros

Produto	Taxa de juro	Comparação de mercado
Conta de poupança pessoal	4.25%	0,35% acima da média regional
Conta de corrente pessoal	0.10%	Competitivo com bancos regionais
CD de 5 anos	4.75%	0,50% acima da média nacional

Abordagem bancária focada na comunidade local

Métricas de investimento comunitário para 2023:

• Empréstimos de desenvolvimento comunitário: US $ 425 milhões
• Contribuições de caridade locais: US $ 3,2 milhões
• Número de parcerias da comunidade local: 87

Serviços integrados de gerenciamento de patrimônio e planejamento financeiro

Desempenho da divisão de gerenciamento de patrimônio em 2023:

Serviço	Total de ativos sob gestão	Valor médio do portfólio de clientes
Gestão de patrimônio pessoal	US $ 8,6 bilhões	US $ 1,2 milhão
Planejamento de aposentadoria	US $ 3,4 bilhões	$675,000
Aviso de investimento	US $ 2,9 bilhões	$520,000

Old National Bancorp (ONB) - Modelo de Negócios: Relacionamentos ao Cliente

Atendimento ao cliente personalizado

A partir do quarto trimestre de 2023, a Old National Bancorp relatou 266 locais bancários de serviço completo em 7 estados. O banco mantém uma base de clientes de aproximadamente 3,2 milhões de clientes com uma classificação média de satisfação do cliente de 4,1 em 5.

Canal de serviço	Métricas de interação do cliente	Volume anual
Ramificar bancos pessoais	Tempo médio de interação do cliente	17,5 minutos
Suporte telefônico	Tempo médio de espera	4,2 minutos
Suporte digital	Taxa de resposta on -line	92.3%

Plataformas de autoatendimento digital

A plataforma bancária digital da ONB relatou 1,4 milhão de usuários de bancos digitais ativos em 2023, representando um crescimento de 22% ano a ano.

• Downloads de aplicativos bancários móveis: 875.000
• Volume de transações online: 42,6 milhões de transações anuais
• Taxa de abertura da conta digital: 63% das novas contas

Modelo bancário de relacionamento

O Old National Bancorp utiliza uma abordagem bancária baseada em relacionamento com uma taxa média de retenção de clientes de 87,4% em 2023.

Segmento de clientes	Valor médio do relacionamento	Taxa de retenção
Bancos pessoais	$24,500	85.6%
Banking de negócios	$187,300	91.2%
Gestão de patrimônio	$475,600	94.3%

Consultas de consultoria financeira regulares

Em 2023, o ONB realizou 42.300 consultas de consultoria financeira em toda a sua rede, com uma duração média de consulta de 67 minutos.

Programas de fidelidade e engajamento direcionado ao cliente

O programa de fidelidade do banco, lançado em 2022, inclui 215.000 participantes ativos com um resgate médio de recompensa anual de US $ 276 por cliente.

• Recompensa do programa de recompensa: 37% da base total de clientes
• Taxa de sucesso da venda cruzada: 24,6%
• Participação do Programa de Referência de Clientes: 18.700 referências em 2023

Old National Bancorp (ONB) - Modelo de Negócios: Canais

Rede de ramificação física

A partir de 2024, o Old National Bancorp opera 181 centros bancários em vários estados, incluindo Indiana, Illinois, Kentucky, Michigan e Minnesota.

Estado	Número de ramificações
Indiana	89
Illinois	32
Kentucky	24
Michigan	21
Minnesota	15

Plataforma bancária online

A plataforma digital da Old National Bancorp serve aproximadamente 286.000 usuários bancários on -line ativos a partir do quarto trimestre 2023.

• A plataforma da web suporta acesso à conta 24/7
• Oferece pagamento de contas, transferências de fundos e visualização de extratos
• Recursos de segurança integrados com autenticação multifator

Aplicativo bancário móvel

O aplicativo móvel do banco possui 212.000 usuários mensais ativos em 2024.

Plataforma	App Store Classificação
Apple App Store	4.7/5
Google Play Store	4.6/5

Rede ATM

O Old National Bancorp mantém 246 caixas eletrônicos proprietários em suas regiões operacionais.

• Transações gratuitas em caixas eletrônicos de propriedade
• Acesso a 32.000 nacionais em todo o país ATM Network
• Retiradas sem taxa nos locais de parceiros

Centros de atendimento ao cliente

O Banco opera três centros de atendimento ao cliente primários, lidando com uma média de 42.500 interações com o cliente mensalmente.

Tipo de serviço	Tempo médio de resposta
Suporte bancário pessoal	3,2 minutos
Suporte bancário comercial	4,7 minutos
Suporte técnico	5,1 minutos

Old National Bancorp (ONB) - Modelo de negócios: segmentos de clientes

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, o Old National Bancorp atende a aproximadamente 3,2 milhões de clientes bancários de varejo individuais em vários estados.

Demografia demográfica do cliente	Número de clientes	Saldo médio da conta
Contas de corrente pessoal	1,450,000	$5,675
Contas de poupança pessoal	980,000	$12,350

Pequenas e médias empresas

A Old National Bancorp suporta 45.300 clientes comerciais pequenos e médios em suas regiões operacionais.

• Portfólio de empréstimos comerciais: US $ 2,3 bilhões
• Tamanho médio de empréstimo comercial: US $ 157.000
• Contas de corrente de negócios: 32.500

Clientes bancários corporativos e comerciais

O banco atende 2.750 clientes bancários corporativos e comerciais com empréstimos comerciais totais de US $ 8,6 bilhões.

Segmento corporativo	Total de clientes	Empréstimos comerciais totais
Grandes clientes corporativos	350	US $ 5,4 bilhões
Clientes corporativos no meio do mercado	2,400	US $ 3,2 bilhões

Clientes de gerenciamento de patrimônio

O Old National Bancorp gerencia US $ 12,7 bilhões em ativos de gerenciamento de patrimônio para 28.600 clientes.

• Alto patrimônio líquido clientes: 6.500
• Clientes ricos em massa: 22.100
• Valor médio do portfólio: US $ 444.000

Organizações comunitárias locais

O banco suporta 1.750 organizações comunitárias locais com serviços bancários especializados.

Tipo de organização	Número de clientes	Empréstimos da comunidade total
Organizações sem fins lucrativos	850	US $ 215 milhões
Governos municipais	620	US $ 340 milhões
Instituições educacionais	280	US $ 125 milhões

Old National Bancorp (ONB) - Modelo de Negócios: Estrutura de Custo

Despesas operacionais de ramificação

Para o ano fiscal de 2023, o Old National Bancorp registrou despesas operacionais totais de filial de US $ 312,4 milhões. Isso inclui:

Categoria de despesa	Valor ($ m)
Aluguel e utilitários	87.6
Manutenção	45.2
Segurança da filial	22.8
Material de escritório	15.3

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura tecnológica de 2023 totalizaram US $ 156,7 milhões, com a seguinte quebra:

• Sistemas bancários principais: US $ 68,4 milhões
• Infraestrutura de segurança cibernética: US $ 42,3 milhões
• Plataformas bancárias digitais: US $ 35,6 milhões
• Suporte e manutenção de TI: US $ 10,4 milhões

Salários e benefícios dos funcionários

A compensação total dos funcionários em 2023 foi de US $ 456,9 milhões, estruturada da seguinte maneira:

Componente de compensação	Valor ($ m)
Salários da base	312.6
Bônus de desempenho	78.3
Benefícios de saúde	45.2
Contribuições de aposentadoria	20.8

Custos de conformidade regulatória

As despesas de conformidade regulatória em 2023 totalizaram US $ 87,5 milhões, incluindo:

• Equipe legal e de conformidade: US $ 32,6 milhões
• Relatórios e documentação: US $ 24,3 milhões
• Auditoria e gerenciamento de riscos: US $ 18,7 milhões
• Treinamento regulatório: US $ 11,9 milhões

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2023 totalizaram US $ 64,2 milhões, distribuídas:

Canal de marketing	Valor ($ m)
Marketing digital	22.7
Publicidade tradicional da mídia	18.5
Campanhas de aquisição de clientes	15.3
Patrocínios e eventos comunitários	7.7

Old National Bancorp (ONB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e investimentos

Para o ano fiscal de 2023, o Old National Bancorp informou US $ 1,54 bilhão em receita de juros líquidos. A quebra dos ativos geradores de juros inclui:

Categoria de ativos	Valor total ($)
Empréstimos comerciais	US $ 15,2 bilhões
Empréstimos hipotecários residenciais	US $ 6,8 bilhões
Títulos de investimento	US $ 4,5 bilhões

Taxas de serviço bancário

Receita de taxa de serviço para 2023 totalizou US $ 248,3 milhões, com os seguintes segmentos -chave:

• Taxas de manutenção da conta de depósito: US $ 87,6 milhões
• Taxas de transação ATM: US $ 42,1 milhões
• Taxas de cheque especial: US $ 63,5 milhões
• Outras taxas de serviço bancário: US $ 55,1 milhões

Comissões de gerenciamento de patrimônio

Segmento de gerenciamento de patrimônio gerado US $ 156,7 milhões em comissões Para 2023, com fontes de receita primária:

Categoria de serviço	Receita da Comissão ($)
Serviços de consultoria de investimentos	US $ 92,4 milhões
Planejamento de aposentadoria	US $ 38,6 milhões
Serviços de confiança	US $ 25,7 milhões

Taxas de transação

A receita da taxa de transação em 2023 totalizou US $ 187,5 milhões, incluindo:

• Taxas de transação do cartão de crédito: US $ 76,2 milhões
• Taxas de transação do cartão de débito: US $ 64,9 milhões
• Taxas de transferência de fio: US $ 23,4 milhões
• Taxas de transação cambial: US $ 23,0 milhões

Vendas de produtos de investimento e seguro

Vendas de produtos de investimento e seguro gerados US $ 112,6 milhões Em 2023:

Categoria de produto	Receita de vendas ($)
Fundos mútuos	US $ 48,3 milhões
Produtos de seguro de vida	US $ 39,7 milhões
Vendas de anuidades	US $ 24,6 milhões

Old National Bancorp (ONB) - Canvas Business Model: Value Propositions

You're looking at the core reasons clients choose Old National Bancorp. It's not just about having an account; it's about the stability and performance backing that relationship.

Full-Service Regional Banking: Comprehensive commercial, consumer, and agricultural services

Old National Bancorp provides a full spectrum of financial services across its footprint. This is evidenced by strong activity in key lending areas. For instance, commercial loan production in the third quarter of 2025 hit $2.8 billion, showing active engagement with business clients. The bank's offerings include loans, deposits, and investment products, positioning it as a comprehensive financial resource. Furthermore, the successful integration of Bremer Bank has expanded this service delivery capability.

Financial Stability: Strong liquidity with an 87% loan-to-deposit ratio

A key value proposition is the bank's strong liquidity position, which directly translates to client confidence. As of the third quarter of 2025, Old National Bancorp maintained a loan-to-deposit ratio of 87%. This ratio, supported by period-end total deposits of $55.0 billion, indicates prudent balance sheet management. This stability is further reinforced by a core deposit franchise that grew at an annualized rate of 5.8% in Q3 2025.

Wealth Management: Offering comprehensive wealth and investment solutions

The bank's commitment extends beyond traditional lending and deposits into managing client assets. The services offered include investment products, which is a standard component of a full-service regional bank model. The successful integration of Bremer Bank brought in additional specialty products and Wealth and Investment services to the combined entity. The bank's focus on a low-cost deposit base helps fund these higher-value activities.

High Profitability: Adjusted Return on Average Tangible Common Equity of 20.1% (Q3 2025)

Operational efficiency and profitability are central to the value Old National Bancorp delivers to its shareholders, which underpins its ability to serve clients long-term. For the third quarter of 2025, the adjusted Return on Average Tangible Common Equity (ROATCE) reached 20.1%. This strong profitability is paired with an adjusted efficiency ratio of 48.1% for the same period. This means the bank is generating significant returns relative to its equity base while keeping operating costs well-controlled.

Trusted Partner: Long-term, relationship-based client focus since 1834

Old National Bancorp emphasizes being a primary, trusted partner to its clients, supported by a strong credit culture. This relationship focus is reflected in the quality of its loan book. Nonaccrual loans stood at 1.23% of total loans in Q3 2025, demonstrating resilient credit quality. Also, the bank reported annualized core deposit growth of 5.8%, which speaks directly to the strength of its client relationships and its ability to gather low-cost funding.

Here's a quick look at the key financial metrics supporting these value propositions from the Q3 2025 results:

Metric	Value	Context
Adjusted ROATCE	20.1%	High Profitability Indicator (Q3 2025)
Loan-to-Deposit Ratio	87%	Financial Stability/Liquidity (Q3 2025)
Adjusted Efficiency Ratio	48.1%	Operational Performance (Q3 2025)
Period-End Total Deposits	$55.0 billion	Deposit Franchise Strength (Q3 2025)
Net Interest Income	$582.6 million	Core Revenue Generation (Q3 2025)
Nonaccrual Loans	1.23%	Credit Quality/Risk Management (Q3 2025)

The value proposition is also built on the breadth of its operations, which you can see in the revenue drivers:

• Net Interest Margin (Fully Taxable Equivalent Basis): 3.64%
• Commercial Loan Production: $2.8 billion (Q3 2025)
• Core Deposit Growth (Annualized): 5.8% (Q3 2025)
• Total Loans (Period-End): $48.0 billion (Q3 2025)

The bank is definitely focused on top-quartile performance, which is what clients expect from a stable regional partner.

Old National Bancorp (ONB) - Canvas Business Model: Customer Relationships

You're looking at how Old National Bancorp (ONB) builds and maintains its connections with clients and the communities it serves as of late 2025. The core philosophy centers on deep, lasting ties, blending high-touch personal service with modern digital access.

Relationship Banking Model: Focus on long-term, highly valued partnerships

Old National Bancorp focuses on building long-term, highly valued partnerships with clients across its consumer, commercial, and wealth segments. This approach is a hallmark of the institution, tracing its roots back to 1834. The bank, as of Q2 2025, managed approximately $71 billion of assets and held $38 billion of assets under management. This scale, positioning Old National Bancorp among the top 25 banking companies headquartered in the United States, is meant to support these deep relationships.

Dedicated Advisors: High-touch service for commercial and wealth clients

For commercial and higher-net-worth clients, Old National Bancorp deploys dedicated expertise through its wealth management division, 1834, a division of Old National Bank, and Old National Wealth Advisors (ONWA). This structure provides a boutique-style experience, which you can see in the dedicated staffing numbers for wealth services.

• ONWA comprises approximately 125 team members.
• This team includes more than 70 wealth advisors located across the Midwest and Southeast footprint.
• 1834, which caters to higher-net-worth clients, has expanded its physical presence to include Naples, Florida, alongside existing markets like Nashville and Scottsdale.

The professionals at ONWA offer integrated services including Wealth Planning, Investment Management, and Estate Planning & Administration.

Digital Self-Service: Providing seamless self-service options via mobile/web

To complement the high-touch service, Old National Bancorp continues to invest in technology to make banking simpler and more accessible. The Chief Information Officer discussed how technological advancements are transforming traditional banking operations for a more streamlined and secure experience. This digital push is evident in the platform enhancements made in 2024.

• Old National introduced a new small business digital banking platform in 2024.
• This platform includes modern money movement capabilities and comprehensive business management tools.
• The bank offers seamless self-service options alongside assisted service channels.
• The Investment Strategies Team of ONWA specifically caters to clients who desire a self-service approach to online investing.

Community Engagement: Local presence and community investment

Community investment and engagement are central to Old National Bancorp's stated values, evidenced by its commitment figures and external recognition. The bank was named one of The Civic 50 by Points of Light for the second consecutive year in 2025, an honor reserved for the 50 most community-minded companies in the nation.

Here's a look at the concrete community investment metrics, primarily reflecting 2024 activity and forward-looking commitments:

Metric	Amount/Count	Context/Year
Total Community Growth Plan Commitment	$11.1 billion	Expanded in 2025 (Original $8.3B in 2022)
2024 Charitable Giving & Sponsorships	More than $12.6 million	2024 Investment
Organizations Benefited (2024)	Over 2,500	2024 Investment
Team Member Volunteer Hours (2024)	Nearly 68,000 hours	2024 Activity
Estimated Value of Volunteer Hours (2024)	Exceeds $2 million	2024 Activity
Bremer Footprint Community Commitment (Addendum)	$1.635 billion	Loans/Investments from 2026 to 2028
Bremer Donations (Pre-Acquisition)	$2.7 million	2024 Bremer Activity

The commitment to the communities acquired through the Bremer Bank partnership includes a pledge to invest approximately $179 million in loans and investments within that footprint by 2028, representing a 60% increase over Bremer Bank baselines.

Old National Bancorp (ONB) - Canvas Business Model: Channels

You're looking at how Old National Bancorp moves its services to the client base as of late 2025. It's a mix of the old school and the new, which is typical for a regional powerhouse that's been growing through acquisition.

Physical Branch Network: Traditional branches in the Midwest and Southeast

Old National Bancorp serves clients across Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Tennessee, and Wisconsin. The physical footprint saw significant expansion due to major partnerships finalized in 2024 and 2025. The bank celebrated 190 years of operation, starting in November 1834.

Here's a look at the physical network growth tied to recent strategic moves:

Channel Event/Metric	Date/Reference Point	Impact/Scale
Pre-Merger Banking Centers (Approximate)	Prior to 2024	250 banking centers
CapStar Bank Partnership Finalized	April 1, 2024	Added 23 banking centers (Tennessee, North Carolina)
Bremer Bank Partnership Finalized	October 2025	Added 70 branches (based on Dec 31, 2024, agreement data)
Combined Asset Size Post-Bremer	Late 2025	$70 billion

The total physical presence is now scaled up considerably in the Upper Midwest and Southeast regions. Still, the industry trend shows branch consolidation; for example, in 2018, Old National Bancorp trimmed its network by selling 10 branches in Wisconsin.

Digital Banking: Mobile app and online banking platforms

Old National Bancorp launched a new small business digital banking platform in 2024, focusing on modern money movement and self-service options. While specific Old National Bancorp adoption rates aren't public for late 2025, the broader US context shows this channel is dominant:

• Over 83% of U.S. adults used digital banking services as of 2025.
• Approximately 76% of U.S. adults use mobile banking apps.
• 39% of U.S. adults now rely exclusively on mobile banking.

The bank's Q2 2025 results show revenue from Debit card and ATM fees was reported as 12,922 (likely in thousands of USD, suggesting revenue of about $12.922 million for the quarter).

Commercial Relationship Managers: Direct sales force for commercial clients

The direct sales channel remains key for the commercial segment. Old National Bancorp has dedicated Relationship Managers who focus on local markets and industry expertise for clients needing term loans, lines of credit, and treasury management. James A. Sandgren serves as the Executive VP & CEO of Commercial Banking, indicating a structured leadership focus on this direct sales channel. These managers work to customize solutions, offering the personal touch alongside the resources of a premier institution.

ATMs and Contact Centers: Standard access and support infrastructure

For standard access, Old National Bancorp maintains its ATM infrastructure, which contributes to fee income. For support, the bank offers a centralized contact option. You can reach them by calling 800-731-2266.

The bank reported Q2 2025 net income applicable to common shares of $121.4 million, showing the operational scale supported by these varied channels.

Old National Bancorp (ONB) - Canvas Business Model: Customer Segments

Old National Bancorp serves a diversified client base across its footprint, significantly enhanced by the integration of Bremer Financial Corporation, which closed on May 1, 2025.

Commercial Clients: Businesses driving strong commercial loan production

This segment is a key driver of loan growth for Old National Bancorp.

Metric	Value (as of Q3 2025)
Total Commercial Loan Production (Q3 2025)	$2.8 billion
Period-End Commercial Loan Pipeline	$4.2 billion
Total Period-End Loans (All Segments)	$48.0 billion

Growth in core deposits is specifically noted as being driven by both existing and new commercial clients.

Retail/Consumer Customers: Individuals seeking deposit and loan products

This segment contributes to the bank's granular, low-cost deposit franchise.

• Period-end total deposits reached $55.0 billion as of Q3 2025.
• Core deposits showed an annualized increase of 5.8%.
• Total deposit costs were 197 bps.

High-Net-Worth Individuals: Clients utilizing wealth management services

Wealth management services are delivered through several models, including 1834, which is tailored for high-net-worth clients.

Wealth Metric	Value (as of late 2025)
Total Assets (Overall)	Approximately $71 billion
Assets Under Management (AUM)	Approximately $38 billion
Wealth Advisors (ONWA)	More than 70

The wealth division, now Old National Wealth Advisors (ONWA), also includes the Investment Strategies Team and Private Wealth Management.

Agricultural Businesses: Specialized segment from the Bremer partnership

The partnership with Bremer Financial Corporation brought a strong commercial and agricultural focus to Old National Bancorp, expanding its reach into the Upper Midwest.

• Bremer Bank offered full-service, relationship-based banking with a strong agricultural focus.
• Bremer Wealth accounts transition to the Old National Wealth Management technology platform in February 2026.

Old National Bancorp (ONB) - Canvas Business Model: Cost Structure

You're looking at the core expenses Old National Bancorp (ONB) is managing as of late 2025, especially following the integration of the Bremer Bank partnership. The cost structure is heavily influenced by funding costs and the expenses associated with that recent expansion.

Interest Expense: Cost of total deposits at 1.97% in Q3 2025

The cost associated with funding operations through deposits was a key metric in the third quarter of 2025. Old National Bancorp reported that the total cost of deposits was 197 bps for Q3 2025. This figure represents the interest paid on the total deposit base, which stood at $55.0 billion at the end of the third quarter of 2025. This cost was up 4 bps from the prior quarter, reflecting the general rate environment.

Merger-Related Expenses: Pre-tax charges of $69.3 million in Q3 2025

The ongoing integration costs from the Bremer partnership are clearly visible in the reported figures. For the third quarter of 2025, Old National Bancorp recorded pre-tax charges of $69.3 million specifically for merger-related expenses. This charge is excluded when calculating adjusted noninterest expense to show core operating performance. The total reported noninterest expense for Q3 2025 was $445.7 million, which included this significant charge.

Personnel Costs and Technology and Data Processing: Operating Expenses

Personnel costs, covering salaries and benefits for the expanded workforce, and technology investments are embedded within the noninterest expense structure. To get a clearer view of the run-rate costs, we look at the adjusted noninterest expense, which strips out the merger charges and other one-time items. For Q3 2025, the adjusted noninterest expense was $376.5 million. This was higher than the $343.6 million reported for Q2 2025, which the company attributed to the full quarter impact of Bremer, suggesting higher ongoing personnel and operating costs from the expanded footprint. The Chief Information Officer has emphasized the critical role technology plays in transforming operations, building on prior investments like the new small business digital banking platform introduced in 2024.

Here's a quick look at the key expense and funding cost drivers for Q3 2025:

Cost Component	Q3 2025 Financial Metric	Amount/Rate
Total Noninterest Expense (Reported)	Total Noninterest Expense	$445.7 million
Total Noninterest Expense (Adjusted)	Adjusted Noninterest Expense	$376.5 million
Cost of Total Deposits	Total Deposit Costs	197 bps
Merger-Related Charges	Pre-tax Merger-Related Expenses	$69.3 million
Comparison Point	Adjusted Noninterest Expense (Q2 2025)	$343.6 million

The disciplined expense management is reflected in the efficiency ratio improving to 48.1% on an adjusted basis for Q3 2025.

The bank is definitely focused on keeping funding costs tight while absorbing the higher operating costs of the new structure. Finance: draft 13-week cash view by Friday.

Old National Bancorp (ONB) - Canvas Business Model: Revenue Streams

You're looking at how Old National Bancorp actually brings in the money, which for a bank like this, boils down to two main buckets: interest earned and fees collected. Honestly, the interest side is the engine room.

Net Interest Income (NII) is the core driver. For the third quarter of 2025, Old National Bancorp reported NII on a fully taxable equivalent (FTE) basis of $582.6 million. This number reflects the difference between the interest earned on their assets, like loans, and the interest paid out on their liabilities, like deposits. The net interest margin (NIM) for that quarter improved to 3.64% on an FTE basis, up 11 basis points from the prior quarter, helped by higher asset yields.

The biggest component feeding that NII is the lending business. You're looking at income generated from the total loan portfolio, which stood at period-end $48.0 billion as of the end of Q3 2025. This portfolio includes both commercial and consumer loans, and the growth in that loan book, excluding loans acquired in the Bremer transaction, was up 3.1% annualized for the quarter.

Next up is Noninterest Income, which is the fee-based revenue stream. This shows the bank successfully diversifying away from pure lending income. For Q3 2025, total noninterest income was reported around $130.5 million. This revenue stream gets its power from capital markets and wealth management activities, plus standard banking fees. It's defintely a key area for profitability, especially with the full quarter impact of the Bremer partnership showing through.

Here's a quick look at the components that make up that fee-based revenue for the third quarter of 2025, based on adjusted figures:

Revenue Component	Q3 2025 Adjusted Amount
Total Noninterest Income (Reported)	$130.5 million
Total Noninterest Income (Adjusted)	$130 million
Bank Fees	$41 million
Wealth Management Fees	$40 million
Capital Markets Revenue	$13 million
Mortgage Fees	$10 million

The Service Charges and Fees are a specific part of that noninterest income, representing the day-to-day transaction revenue you'd expect from a retail and commercial bank. The bank fees component, which covers these standard transaction fees, contributed $41 million to the adjusted noninterest income for the quarter. This shows the value of maintaining a broad client base for routine banking services.

To be fair, you should keep an eye on the mix of these revenue sources. For context, looking back over the last five years, net interest income made up about 78.5% of Old National Bancorp's total revenue, underscoring the primary importance of their lending operations.

The key fee-based revenue streams contributing to Noninterest Income include:

• Wealth Management Fees: $40 million in Q3 2025.
• Bank Fees (Transaction/Service): $41 million in Q3 2025.
• Capital Markets Revenue: $13 million in Q3 2025.
• Mortgage Fees: $10 million in Q3 2025.

Finance: draft Q4 2025 revenue projection based on Q3 performance by next Tuesday.