Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
Assets
Cash and due from banks	$ 537,322	$ 591,645
Money market and other interest-earning investments	1,216,826	1,234,532
Total cash and cash equivalents	1,754,148	1,826,177
Equity securities, at fair value	125,596	128,857
Investment securities - available-for-sale, at fair value (amortized cost $12,205,997 and $12,059,997, respectively)	11,446,062	11,384,450
Investment securities - held-to-maturity, at amortized cost (fair value $2,467,941 and $2,540,238, respectively)	2,859,826	2,895,488
Federal Home Loan Bank/Federal Reserve Bank stock, at cost	505,476	493,583
Loans held-for-sale, at fair value	56,128	52,911
Loans:
Total loans, net of unearned income	49,731,844	48,764,162
Allowance for credit losses on loans	(574,358)	(569,520)
Net loans	49,157,486	48,194,642
Premises and equipment, net	690,400	690,824
Goodwill	2,429,756	2,425,700
Other intangible assets	456,663	482,286
Company-owned life insurance	1,054,824	1,051,009
Accrued interest receivable and other assets	2,466,286	2,526,040
Total assets	73,002,651	72,151,967
Deposits:
Noninterest-bearing demand	12,927,096	13,247,483
Interest-bearing:
Checking and NOW	10,969,731	10,740,919
Savings	4,985,949	4,909,138
Money market	16,871,237	16,529,631
Time deposits	9,918,459	9,661,024
Total deposits	55,672,472	55,088,195
Federal funds purchased and interbank borrowings	200,583	100,197
Securities sold under agreements to repurchase	264,518	261,366
Federal Home Loan Bank advances	6,026,801	6,237,375
Other borrowings	1,331,296	852,429
Accrued expenses and other liabilities	996,328	1,117,617
Total liabilities	64,491,998	63,657,179
Shareholders’ Equity
Preferred stock, 2,000 shares authorized, 231 shares issued and outstanding	230,500	230,500
Common stock, no par value, $1.00 per share stated value, 600,000 shares authorized, 386,315 and 389,662 shares issued and outstanding, respectively	386,315	389,662
Capital surplus	5,855,180	5,944,533
Retained earnings	2,581,912	2,408,764
Accumulated other comprehensive income (loss), net of tax	(543,254)	(478,671)
Total shareholders’ equity	8,510,653	8,494,788
Total liabilities and shareholders’ equity	73,002,651	72,151,967
Commercial
Loans:
Total loans, net of unearned income	15,617,656	14,983,861
Allowance for credit losses on loans	(244,640)	(244,670)
Commercial real estate
Loans:
Total loans, net of unearned income	22,192,900	22,050,007
Allowance for credit losses on loans	(266,797)	(268,332)
Residential real estate
Loans:
Total loans, net of unearned income	8,621,409	8,467,496
Allowance for credit losses on loans	(39,764)	(34,394)
Consumer
Loans:
Total loans, net of unearned income	$ 3,299,879	$ 3,262,798

OLD NATIONAL BANCORP /IN/ 10-Q