Old National Bancorp (ONB): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Old National Bancorp (ONB), einem Finanzkraftwerk im Mittleren Westen, das das traditionelle Bankwesen durch innovative Geschäftsmodelle transformiert. Durch die nahtlose Verbindung digitaler Technologie, personalisierter Kundenerlebnisse und gemeinschaftsorientierter Strategien hat ONB ein umfassendes Geschäftsmodell entwickelt, das sich mit bemerkenswerter Agilität durch die komplexe Finanzlandschaft bewegt. Ihr einzigartiger Ansatz integriert modernste digitale Plattformen, robuste Bankdienstleistungen und tiefe regionale Beziehungen und positioniert sie als dynamischen Akteur im sich entwickelnden Bankenökosystem.

Old National Bancorp (ONB) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit regionalen Finanztechnologieunternehmen

Old National Bancorp hat strategische Partnerschaften mit mehreren Finanztechnologieunternehmen geschlossen, um die Fähigkeiten des digitalen Bankings zu verbessern:

Technologiepartner	Partnerschaftsfokus	Umsetzungsjahr
Finastra	Integration des Kernbankensystems	2022
Fiserv	Digitale Zahlungslösungen	2021
Jack Henry & Mitarbeiter	Mobile-Banking-Plattform	2023

Zusammenarbeit mit lokalen Gemeinschaftsorganisationen und Unternehmen

Old National Bancorp unterhält starke lokale Partnerschaften in seinen operativen Regionen:

• Wirtschaftsentwicklungsräte in Indiana, Illinois, Kentucky und Michigan
• Partnerschaften im Darlehensprogramm der Small Business Administration (SBA).
• Lokale Handelskammern in 6 Bundesstaaten

Partnerschaftstyp	Anzahl aktiver Partnerschaften	Jährliche Gemeinschaftsinvestition
Gemeinschaftsorganisationen	87	4,2 Millionen US-Dollar
Netzwerke für kleine Unternehmen	53	2,8 Millionen US-Dollar

Partnerschaft mit Anbietern digitaler Banking-Lösungen

Der Schwerpunkt digitaler Banking-Partnerschaften liegt auf technologischer Innovation und der Verbesserung des Kundenerlebnisses:

• Plaid für die Konnektivität von Finanzdaten
• Visa für die Integration von Zahlungstechnologien
• Mastercard für digitale Geldbörsenlösungen

Beziehung zu Versicherungs- und Investmentdienstleistern

Anbieter	Servicetyp	Partnerschaftseinnahmen
Bundesweite Versicherung	Empfehlungen zur Vermögensverwaltung	12,5 Millionen US-Dollar
Edward Jones	Anlageberatungsdienstleistungen	8,3 Millionen US-Dollar
Hauptfinanzgruppe	Ruhestandsplanung	6,7 Millionen US-Dollar

Old National Bancorp (ONB) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete Old National Bancorp ein Gesamtvermögen von 26,3 Milliarden US-Dollar. Die Bank bietet umfassende Bankdienstleistungen in 7 Bundesstaaten mit 250 Bankstandorten an.

Kategorie Bankdienstleistungen	Gesamtwert des Portfolios	Anzahl der Kunden
Kommerzielle Kreditvergabe	12,4 Milliarden US-Dollar	37,500
Persönliches Banking	8,9 Milliarden US-Dollar	275,000

Verwaltung digitaler Bankplattformen

Old National bietet digitale Banklösungen mit den folgenden Kennzahlen:

• Mobile-Banking-Nutzer: 215.000
• Aktive Online-Banking-Konten: 285.000
• Digitales Transaktionsvolumen: 3,2 Millionen monatliche Transaktionen

Kreditvergabe und Underwriting

Darlehenstyp	Gesamtvolumen	Durchschnittliche Bearbeitungszeit
Gewerbliche Kredite	7,6 Milliarden US-Dollar	5-7 Werktage
Wohnhypotheken	3,2 Milliarden US-Dollar	14-21 Tage

Risikomanagement und Compliance

Old National unterhält eine robustes Compliance-Framework mit:

• Compliance-Mitarbeiter: 125 engagierte Fachleute
• Jährliches Compliance-Budget: 18,5 Millionen US-Dollar
• Prüfungsurteil: Befriedigend

Finanzberatung und Vermögensverwaltung

Servicesegment	Verwaltetes Vermögen	Anzahl der Kunden
Vermögensverwaltung	4,7 Milliarden US-Dollar	22,000
Anlageberatung	2,3 Milliarden US-Dollar	15,500

Old National Bancorp (ONB) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Im vierten Quartal 2023 betreibt Old National Bancorp 296 Bankzentren in 7 Bundesstaaten im Mittleren Westen, darunter Indiana, Illinois, Kentucky, Michigan, Minnesota, Ohio und Wisconsin.

Staat	Anzahl der Filialen
Indiana	156
Illinois	48
Kentucky	37
Andere Staaten	55

Digitale Banking-Infrastruktur

Kennzahlen zum digitalen Banking:

• Mobile-Banking-Nutzer: 682.000
• Online-Banking-Plattformen: Vollständig integrierte Web- und Mobilanwendungen
• Digitales Transaktionsvolumen: 78 % der Gesamttransaktionen im Jahr 2023

Humankapitalressourcen

Gesamtzahl der Mitarbeiter zum 31. Dezember 2023: 4.812

Mitarbeiterkategorie	Anzahl der Mitarbeiter
Vollzeitbeschäftigte	4,592
Teilzeitbeschäftigte	220

Finanzielle Ressourcen

Wichtige Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 27,8 Milliarden US-Dollar
• Gesamteinlagen: 22,3 Milliarden US-Dollar
• Gesamteigenkapital: 3,9 Milliarden US-Dollar
• Kernkapitalquote: 12,4 %

Technologische Ressourcen

Technologieinvestitionen im Jahr 2023:

• Budget für Technologie und Innovation: 87 Millionen US-Dollar
• Investition in die Cybersicherheitsinfrastruktur: 22 Millionen US-Dollar
• Initiativen zur digitalen Transformation: Kontinuierliche Modernisierung der Bankensysteme

Old National Bancorp (ONB) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für verschiedene Kundensegmente

Im vierten Quartal 2023 bedient Old National Bancorp etwa 3,5 Millionen Kunden in mehreren Bundesstaaten, darunter Indiana, Illinois, Kentucky, Michigan und Wisconsin.

Kundensegment	Maßgeschneiderte Dienstleistungen	Durchschnittlicher Kontowert
Persönliches Banking	Giro-/Sparkonten	$52,300
Kleines Unternehmen	Geschäftsprüfung/Darlehen	$175,600
Unternehmen	Kommerzielles Banking	1,2 Millionen US-Dollar

Umfassende digitale und traditionelle Bankerfahrungen

Statistiken zur digitalen Banking-Plattform für 2023:

• Mobile-Banking-Nutzer: 1,2 Millionen
• Online-Banking-Transaktionen: 42,3 Millionen jährlich
• Eröffnungsrate digitaler Konten: 65 % der Neukonten

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkt	Zinssatz	Marktvergleich
Persönliches Sparkonto	4.25%	0,35 % über dem regionalen Durchschnitt
Persönliches Girokonto	0.10%	Wettbewerbsfähig mit regionalen Banken
5-Jahres-CD	4.75%	0,50 % über dem Landesdurchschnitt

Lokaler, gemeinschaftsorientierter Banking-Ansatz

Community-Investitionskennzahlen für 2023:

• Gemeindeentwicklungsdarlehen: 425 Millionen US-Dollar
• Lokale Spenden für wohltätige Zwecke: 3,2 Millionen US-Dollar
• Anzahl lokaler Gemeindepartnerschaften: 87

Integrierte Vermögensverwaltungs- und Finanzplanungsdienste

Leistung der Vermögensverwaltungsabteilung im Jahr 2023:

Service	Gesamtes verwaltetes Vermögen	Durchschnittlicher Wert des Kundenportfolios
Persönliche Vermögensverwaltung	8,6 Milliarden US-Dollar	1,2 Millionen US-Dollar
Ruhestandsplanung	3,4 Milliarden US-Dollar	$675,000
Anlageberatung	2,9 Milliarden US-Dollar	$520,000

Old National Bancorp (ONB) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Im vierten Quartal 2023 meldete Old National Bancorp 266 Bankstandorte mit umfassendem Serviceangebot in 7 Bundesstaaten. Die Bank betreut einen Kundenstamm von rund 3,2 Millionen Kunden mit einer durchschnittlichen Kundenzufriedenheitsbewertung von 4,1 von 5.

Servicekanal	Kennzahlen zur Kundeninteraktion	Jahresvolumen
Filiale Personal Banking	Durchschnittliche Kundeninteraktionszeit	17,5 Minuten
Telefonsupport	Durchschnittliche Wartezeit	4,2 Minuten
Digitale Unterstützung	Online-Antwortrate	92.3%

Digitale Self-Service-Plattformen

Die Digital-Banking-Plattform von ONB verzeichnete im Jahr 2023 1,4 Millionen aktive Digital-Banking-Nutzer, was einem Wachstum von 22 % gegenüber dem Vorjahr entspricht.

• Mobile-Banking-App-Downloads: 875.000
• Online-Transaktionsvolumen: 42,6 Millionen jährliche Transaktionen
• Eröffnungsrate digitaler Konten: 63 % der Neukonten

Relationship-Banking-Modell

Old National Bancorp nutzt einen beziehungsbasierten Bankansatz mit einer durchschnittlichen Kundenbindungsrate von 87,4 % im Jahr 2023.

Kundensegment	Durchschnittlicher Beziehungswert	Retentionsrate
Persönliches Banking	$24,500	85.6%
Geschäftsbanking	$187,300	91.2%
Vermögensverwaltung	$475,600	94.3%

Regelmäßige Finanzberatungsgespräche

Im Jahr 2023 führte ONB in seinem gesamten Netzwerk 42.300 Finanzberatungsgespräche mit einer durchschnittlichen Beratungsdauer von 67 Minuten durch.

Treueprogramme und gezielte Kundenbindung

Das im Jahr 2022 gestartete Treueprogramm der Bank umfasst 215.000 aktive Teilnehmer mit einer durchschnittlichen jährlichen Prämieneinlösung von 276 US-Dollar pro Kunde.

• Anmeldung zum Prämienprogramm: 37 % des gesamten Kundenstamms
• Cross-Selling-Erfolgsquote: 24,6 %
• Teilnahme am Kundenempfehlungsprogramm: 18.700 Empfehlungen im Jahr 2023

Old National Bancorp (ONB) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 betreibt Old National Bancorp 181 Bankzentren in mehreren Bundesstaaten, darunter Indiana, Illinois, Kentucky, Michigan und Minnesota.

Staat	Anzahl der Filialen
Indiana	89
Illinois	32
Kentucky	24
Michigan	21
Minnesota	15

Online-Banking-Plattform

Die digitale Plattform von Old National Bancorp bedient im vierten Quartal 2023 rund 286.000 aktive Online-Banking-Nutzer.

• Die Webplattform unterstützt den Kontozugriff rund um die Uhr
• Bietet Rechnungszahlung, Geldtransfers und Kontoauszugsanzeige
• Integrierte Sicherheitsfunktionen mit Multi-Faktor-Authentifizierung

Mobile-Banking-Anwendung

Die mobile App der Bank hat im Jahr 2024 212.000 aktive monatliche Nutzer.

Plattform	App Store-Bewertung
Apple App Store	4.7/5
Google Play Store	4.6/5

ATM-Netzwerk

Old National Bancorp unterhält in seinen Betriebsregionen 246 eigene Geldautomaten.

• Kostenlose Transaktionen an eigenen Geldautomaten
• Zugriff auf 32.000 landesweite Allpoint-Geldautomatennetzwerke
• Kostenlose Abhebungen an Partnerstandorten

Kundendienst-Callcenter

Die Bank betreibt drei primäre Kundendienstzentren, in denen monatlich durchschnittlich 42.500 Kundeninteraktionen abgewickelt werden.

Servicetyp	Durchschnittliche Reaktionszeit
Persönliche Banking-Unterstützung	3,2 Minuten
Unterstützung im Geschäftsbankwesen	4,7 Minuten
Technischer Support	5,1 Minuten

Old National Bancorp (ONB) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut Old National Bancorp etwa 3,2 Millionen private Privatkunden in mehreren Bundesstaaten.

Kundendemografie	Anzahl der Kunden	Durchschnittlicher Kontostand
Persönliche Girokonten	1,450,000	$5,675
Persönliche Sparkonten	980,000	$12,350

Kleine und mittlere Unternehmen

Old National Bancorp betreut 45.300 kleine und mittlere Geschäftskunden in seinen operativen Regionen.

• Geschäftskreditportfolio: 2,3 Milliarden US-Dollar
• Durchschnittliche Höhe des Geschäftskredits: 157.000 $
• Geschäftsgirokonten: 32.500

Firmen- und Geschäftsbankkunden

Die Bank betreut 2.750 Firmen- und Geschäftsbankkunden mit einem Gesamtkreditvolumen von 8,6 Milliarden US-Dollar.

Unternehmenssegment	Gesamtzahl der Kunden	Gesamte gewerbliche Kredite
Große Firmenkunden	350	5,4 Milliarden US-Dollar
Mittelständische Firmenkunden	2,400	3,2 Milliarden US-Dollar

Wealth-Management-Kunden

Old National Bancorp verwaltet 12,7 Milliarden US-Dollar an Vermögensverwaltungsvermögen für 28.600 Kunden.

• Vermögende Kunden: 6.500
• Wohlhabende Kunden: 22.100
• Durchschnittlicher Portfoliowert: 444.000 $

Lokale Gemeinschaftsorganisationen

Die Bank unterstützt 1.750 lokale Gemeinschaftsorganisationen mit spezialisierten Bankdienstleistungen.

Organisationstyp	Anzahl der Kunden	Gesamte Gemeinschaftskredite
Gemeinnützige Organisationen	850	215 Millionen Dollar
Kommunalverwaltungen	620	340 Millionen Dollar
Bildungseinrichtungen	280	125 Millionen Dollar

Old National Bancorp (ONB) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Für das Geschäftsjahr 2023 meldete Old National Bancorp Gesamtbetriebskosten der Filialen in Höhe von 312,4 Millionen US-Dollar. Dazu gehört:

Ausgabenkategorie	Betrag (Mio. USD)
Miete und Nebenkosten	87.6
Wartung	45.2
Filialsicherheit	22.8
Bürobedarf	15.3

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2023 auf insgesamt 156,7 Millionen US-Dollar, mit folgender Aufteilung:

• Kernbankensysteme: 68,4 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 42,3 Millionen US-Dollar
• Digitale Banking-Plattformen: 35,6 Millionen US-Dollar
• IT-Support und Wartung: 10,4 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die Gesamtvergütung der Mitarbeiter für 2023 belief sich auf 456,9 Millionen US-Dollar und war wie folgt strukturiert:

Vergütungskomponente	Betrag (Mio. USD)
Grundgehälter	312.6
Leistungsprämien	78.3
Gesundheitsleistungen	45.2
Altersvorsorgebeiträge	20.8

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Ausgaben für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 87,5 Millionen US-Dollar, darunter:

• Personal für Recht und Compliance: 32,6 Millionen US-Dollar
• Berichterstattung und Dokumentation: 24,3 Millionen US-Dollar
• Audit und Risikomanagement: 18,7 Millionen US-Dollar
• Regulatorische Schulung: 11,9 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2023 beliefen sich auf insgesamt 64,2 Millionen US-Dollar, verteilt auf:

Marketingkanal	Betrag (Mio. USD)
Digitales Marketing	22.7
Traditionelle Medienwerbung	18.5
Kampagnen zur Kundengewinnung	15.3
Sponsoring und Community-Events	7.7

Old National Bancorp (ONB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Investitionen

Für das Geschäftsjahr 2023 berichtete Old National Bancorp 1,54 Milliarden US-Dollar an Nettozinserträgen. Die Aufteilung der zinsgenerierenden Vermögenswerte umfasst:

Asset-Kategorie	Gesamtwert ($)
Gewerbliche Kredite	15,2 Milliarden US-Dollar
Hypothekendarlehen für Wohnimmobilien	6,8 Milliarden US-Dollar
Anlagewertpapiere	4,5 Milliarden US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren für 2023 betragen insgesamt 248,3 Millionen US-Dollar, mit den folgenden Schlüsselsegmenten:

• Gebühren für die Kontoführung: 87,6 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 42,1 Millionen US-Dollar
• Überziehungsgebühren: 63,5 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 55,1 Millionen US-Dollar

Vermögensverwaltungskommissionen

Segment Vermögensverwaltung generiert Provisionen in Höhe von 156,7 Millionen US-Dollar für 2023, mit Haupteinnahmequellen:

Servicekategorie	Provisionseinnahmen ($)
Anlageberatungsdienste	92,4 Millionen US-Dollar
Ruhestandsplanung	38,6 Millionen US-Dollar
Vertrauensdienste	25,7 Millionen US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 187,5 Millionen US-Dollar, einschließlich:

• Gebühren für Kreditkartentransaktionen: 76,2 Millionen US-Dollar
• Gebühren für Debitkartentransaktionen: 64,9 Millionen US-Dollar
• Überweisungsgebühren: 23,4 Millionen US-Dollar
• Gebühren für Devisentransaktionen: 23,0 Millionen US-Dollar

Verkauf von Anlage- und Versicherungsprodukten

Umsatz mit Anlage- und Versicherungsprodukten generiert 112,6 Millionen US-Dollar im Jahr 2023:

Produktkategorie	Umsatzerlöse ($)
Investmentfonds	48,3 Millionen US-Dollar
Lebensversicherungsprodukte	39,7 Millionen US-Dollar
Rentenverkäufe	24,6 Millionen US-Dollar

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.