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Examined: Sat, 25 Apr 2026 19:37:27 GMT

Old National Bank

RSSD 208244 · IN · Total assets $71,772M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
0 findings
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
3
1 finding
S
Sensitivity
2
0 findings
0
Critical
1
High
0
Moderate
0
Low
24
Procedures run

Findings

HIGH · Liquidity Procedure L-04

Cash and due-from coverage is unusually low

Citation
FFIEC Liquidity and Funds Management Handbook; OCC Comptroller's Handbook, Liquidity booklet
Evidence
Cash and balances at depositories $834M against total assets $53,245M. This is a narrow liquidity proxy (cash + interbank balances only) and excludes the institution's unencumbered securities portfolio, which is its primary liquidity buffer at normal sizing. Levels below 4% combined with weak alternative funding sources merit explicit Contingency Funding Plan review.
Recommended action
Provide a full liquidity position report including unencumbered securities (Treasuries, agency MBS), available FHLB / discount window collateral, and 30-day net cash outflow projections. Demonstrate the Contingency Funding Plan addresses scenarios where cash positions decline and securities cannot be sold without loss.

Key ratios computed

Tier 1 ratio
11.82%
↑ rank 24 of 33 · regional
Tier 1 leverage
9.07%
↑ rank 20 of 34 · regional
Total capital
12.72%
↑ rank 30 of 34 · regional
NPL ratio
1.24%
ACL coverage
86.83%
CRE concentration
136.41%
Construction conc.
50.81%
ROA (annualized)
1.13%
↑ rank 13 of 34 · regional
NIM
3.39%
↑ rank 15 of 34 · regional
Efficiency ratio
54.00%
↓ rank 10 of 34 · regional
Loans / Deposits
88.30%
Brokered / Deposits
3.66%
Uninsured / Deposits
43.08%
Liquid asset ratio
1.57%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$53,245M
23Q03$47,554M 23Q06$48,207M 23Q09$48,759M 23Q12$48,803M 24Q03$49,245M 24Q06$52,825M 24Q09$53,307M 24Q12$53,245M
Tier 1 leverage
9.07%
23Q038.68% 23Q068.73% 23Q098.84% 23Q128.99% 24Q039.04% 24Q068.85% 24Q098.95% 24Q129.07%
Tier 1 RBC ratio
11.82%
23Q0310.83% 23Q0610.98% 23Q0911.26% 23Q1211.57% 24Q0311.50% 24Q0611.26% 24Q0911.48% 24Q1211.82%
ROA (YTD ann.)
1.13%
23Q031.34% 23Q061.37% 23Q091.35% 23Q121.32% 24Q031.07% 24Q061.06% 24Q091.10% 24Q121.13%
NIM (YTD ann.)
3.39%
23Q033.72% 23Q063.69% 23Q093.64% 23Q123.59% 24Q033.31% 24Q063.38% 24Q093.38% 24Q123.39%
Efficiency ratio
54.0%
23Q0350.4% 23Q0650.0% 23Q0949.9% 23Q1252.1% 24Q0357.0% 24Q0655.9% 24Q0954.5% 24Q1254.0%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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