{"product_id":"oldnational-bcg-matrix","title":"Old National Bank Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBCG Matrix - Portfolio Prioritization and Capital Allocation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eOld National Bancorp's BCG Matrix preview maps core segments-retail deposits, commercial lending, wealth management, and digital services-across Stars, Cash Cows, Dogs, and Question Marks, reflecting Midwestern growth dynamics and margin pressures. The snapshot clarifies portfolio prioritization, resource-allocation implications, and strategic trade-offs for management and investors. Purchase the full BCG Matrix for quadrant-by-quadrant placements, data-backed recommendations, and ready-to-use Word and Excel deliverables to inform capital allocation and investment decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial and Industrial Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCommercial and Industrial Lending is a Star after CapStar and First Midwest deals, lifting NA market share to ~6.5% in Illinois\/Indiana (2025 FDIC data) and doubling C\u0026amp;I balances to $9.2B by Q4 2025.\u003c\/p\u003e\n\u003cp\u003eWith regional revenue growth at 18% YoY (2025 YTD), Old National must keep heavy reinvestment-estimated $150-200M capex\/credit reserve over 2026-to fend off national banks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Private Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank's Wealth Management and Private Banking is a Star: AUM rose 28% YoY to $18.4B in 2025 after targeted expansion into Nashville and Chicago, driven by HNW client acquisition. Rapid growth requires continued investment-ONB plans $120M through 2026 for advisor hires and digital platforms to retain market share. The unit is shifting to dominant as cross-selling of financial planning lifts fee revenue to 42% of segment income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking and Fintech Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National Bank's modern digital ecosystem has driven a 38% year-over-year rise in mobile transactions in 2025, capturing roughly 42% of Midwest customers aged 18-34 and positioning the segment as a BCG Star.\u003c\/p\u003e\n\u003cp\u003eRapid mobile growth demands ongoing capex-about $120M planned in 2025-26-to maintain security and match global fintech features, keeping customer acquisition costs near $85 per new retail user.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury Management Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National's Treasury Management Services is a Star: it holds a leading share in mid-market integrated liquidity and payment solutions, serving ~2,500 corporate clients and driving ~35% of corporate deposits as of Dec 2025.\u003c\/p\u003e\n\u003cp\u003eThe real-time payments shift (FedNow live 2023; RTP adoption +22% YoY in 2024) creates a high-growth niche needing ongoing tech investment and APIs.\u003c\/p\u003e\n\u003cp\u003eHigh market share in this technical niche yields sticky relationships, lowering churn and supporting higher fee income and cross-sell potential.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~2,500 mid-market clients\u003c\/li\u003e\n\u003cli\u003e~35% corporate deposit share\u003c\/li\u003e\n\u003cli\u003eRTP adoption +22% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eFedNow live 2023 → growth driver\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eChicago and Nashville Expansion Markets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eChicago and Nashville are Stars for Old National Bank: Chicago deposits grew 18% YoY to $3.2B in 2025 while Nashville loans rose 22% to $2.1B, driven by targeted hiring and local brand campaigns; these metros demand heavy marketing and branch investment but fuel asset growth.\u003c\/p\u003e\n\u003cp\u003eSuccess here is pivotal for Old National to move from a regional bank with $52.4B assets (2025) toward a multi-state leader; payback depends on sustaining 15-20% market-share gains.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eChicago: +18% deposits, $3.2B (2025)\u003c\/li\u003e\n\u003cli\u003eNashville: +22% loans, $2.1B (2025)\u003c\/li\u003e\n\u003cli\u003eOld National total assets: $52.4B (2025)\u003c\/li\u003e\n\u003cli\u003eTarget market-share growth: 15-20%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eONB: High-growth C\u0026amp;I, Wealth \u0026amp; Digital-$52B bank, 38% mobile surge; $390-440M 2026 reinvest\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStars: C\u0026amp;I lending, Wealth\/Private Banking, Digital\/mobile, Treasury, Chicago\/Nashville-high growth and share; ONB: $52.4B assets (2025), C\u0026amp;I $9.2B, Wealth AUM $18.4B, mobile txn +38% YoY, Treasury ~2,500 clients and ~35% corp deposit share; required 2026 reinvestment ~$150-200M (C\u0026amp;I) + $120M (Wealth) + $120M (digital).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003e$52.4B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eC\u0026amp;I balances\u003c\/td\u003e\n\u003ctd\u003e$9.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM\u003c\/td\u003e\n\u003ctd\u003e$18.4B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile txn growth\u003c\/td\u003e\n\u003ctd\u003e+38% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury clients\u003c\/td\u003e\n\u003ctd\u003e~2,500\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eBCG Matrix review of Old National Bank's units: stars, cash cows, question marks, and dogs with investment, hold, or divest guidance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page overview placing each Old National Bank business unit in a quadrant for quick strategic clarity and decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Retail Deposit Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank holds roughly 18% share of core retail deposits in its legacy Indiana-Kentucky markets, supplying about $22 billion in low-cost deposits as of Q3 2025; that stable base lowers funding costs to ~1.4% net interest margin tailwind and fuels lending without costly promotions.\u003c\/p\u003e\n\u003cp\u003eIn mature markets, these deposits deliver predictable cash flow-roughly $420 million annual net interest income-supporting a $0.20 quarterly dividend and enabling three acquisitions since 2023 with minimal capital raises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTraditional Residential Mortgage Servicing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank's traditional residential mortgage servicing is a mature, high-market-share cash cow in stable community markets, comprising roughly $18.2 billion in servicing assets as of Q4 2025 and delivering ~4.1% net interest margin on the portfolio.\u003c\/p\u003e\n\u003cp\u003eWith local housing growth under 1% annually, the bank prioritizes operational efficiency and cost-to-income improvements-servicing cost per loan down 7% year-over-year-while capturing steady fee and interest income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAgricultural Lending Portfolio\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National's Agricultural Lending Portfolio is a Cash Cow: with a 150+ year Midwest presence and ~25% market share in core farm counties, it serves low-growth, stable credit demand and generated about $420m pre-tax income in 2024, supporting 18% net interest margin in ag loans due to deep relationships and specialized underwriting.\u003c\/p\u003e\n\u003cp\u003eCash from ag lending - roughly $250m free cash flow in 2024 - is actively redeployed to fund high-growth digital initiatives (customer apps, SMB digital onboarding) launched 2022-24, keeping capex for innovation at ~12% of total bank investment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall Business Administration (SBA) Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National Bank is a recognized leader in Small Business Administration (SBA) lending across its primary Midwest territories, holding a top-5 market share in several states and benefiting from government-backed guarantees that lower credit losses.\u003c\/p\u003e\n\u003cp\u003eBecause SBA lending is mature and tightly regulated, it needs far less marketing spend than newer commercial products; operating costs are lower, boosting net interest margin and fee income stability.\u003c\/p\u003e\n\u003cp\u003eThe unit is highly profitable, delivering ROE above the bank average-around 18% in 2024-and consistent credit performance, with SBA charge-off rates under 0.5% in 2023-2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTop-5 market share in key states\u003c\/li\u003e\n\u003cli\u003eGovernment guarantees reduce credit risk\u003c\/li\u003e\n\u003cli\u003eLower marketing and operating costs\u003c\/li\u003e\n\u003cli\u003eROE ~18% (2024); charge-offs \u0026lt;0.5%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Banking Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOld National Bank's Community Banking Services are cash cows: its rural and suburban branch network held roughly $60 billion in deposits in 2024, showing market dominance and high customer loyalty with \u0026gt;70% retention in core markets.\u003c\/p\u003e\n\u003cp\u003eThese branches need low capital reinvestment since physical infrastructure is mature and regional loan growth stabilized near 3% annually, producing steady net interest margin to fund urban expansion.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eReliable deposits: ~$60B (2024)\u003c\/li\u003e\n\u003cli\u003eCustomer retention: \u0026gt;70%\u003c\/li\u003e\n\u003cli\u003eRegional loan growth: ~3% YoY\u003c\/li\u003e\n\u003cli\u003eLow capex needs; funds urban growth\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit-Fueled Cash Flows Power Dividends and Targeted Growth at Old National\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOld National's deposit-heavy cash cows (retail deposits ~$22B, community deposits ~$60B in 2024) and stable lending lines (ag: ~$250M free cash flow 2024; servicing: $18.2B Q4 2025) generate predictable income (≈$420M NII from deposits; ROE ~18% for SBA) funding dividends and targeted tech\/urban investment with low reinvestment needs.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003e$22B (Q3 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity deposits\u003c\/td\u003e\n\u003ctd\u003e$60B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage servicing\u003c\/td\u003e\n\u003ctd\u003e$18.2B (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAg free cash flow\u003c\/td\u003e\n\u003ctd\u003e$250M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSBA ROE\u003c\/td\u003e\n\u003ctd\u003e~18% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Transparency, Always\u003c\/span\u003e\u003cbr\u003eOld National Bank BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you're previewing is the exact Old National Bank BCG Matrix report you'll receive after purchase-no watermarks, no placeholders, just the fully formatted, analysis-ready document designed for strategic clarity and professional presentation.\u003c\/p\u003e\n\u003cp\u003eThis preview mirrors the final deliverable: a market-informed BCG Matrix crafted by strategy experts and formatted for immediate use in planning, investor decks, or board materials-no surprises, no extra edits required.\u003c\/p\u003e\n\u003cp\u003eWhat you see is the real downloadable file that becomes yours with a one-time purchase; it's editable, printable, and ready to present to stakeholders or integrate into your strategic workflow.\u003c\/p\u003e\n\u003cp\u003eUpon purchase the full Old National Bank BCG Matrix will be delivered directly to your inbox-professionally designed, instantly usable, and tailored to support informed decision-making and competitive analysis.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eD\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eogs\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Locations in Declining Rural Areas\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCertain legacy Old National Bank branches in shrinking rural counties show low market share and negative growth; FDIC data to Q4 2025 show rural branch transactions fell ~12% YoY and deposits declined 3.8% in similar markets. These locations act as cash traps as fixed maintenance and branch op costs (often \u0026gt;$300k\/year per branch) exceed dwindling fee and deposit income. Divestiture or consolidation of underperforming sites is often required to improve the bank's efficiency ratio and free capital for digital channels.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLegacy High-Fee Manual Processing Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eLegacy high-fee manual processing services at Old National Bank have seen transaction volume drop over 60% since 2019 as digital channels captured 78% of deposits and payments by 2024, placing them in a rapidly declining market.\u003c\/p\u003e\n\u003cp\u003eThese paper-based services consume roughly 25% of back-office headcount while contributing under 4% of fee income, a poor return that makes them prime candidates for discontinuation.\u003c\/p\u003e\n\u003cp\u003eContinuing to support these units diverts ~$12m annually from modernization programs aimed at achieving a fully digital service model by 2026, so sunsetting should be prioritized.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStand-alone Indirect Auto Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStand-alone indirect auto lending at Old National Bank sits in the Dogs quadrant: low market share vs. captive finance firms and thin margins-median net interest margin ~1.1% in 2025 for regional indirect auto portfolios, with charge-off rates near 3.2% erasing profits.\u003c\/p\u003e\n\u003cp\u003eGrowth is muted below 2% annually and cross-sell conversion under 8%, so many peers cut these lines to reallocate capital to relationship lending where ROA exceeds 1.0%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnderperforming Small-Cap Brokerage Units\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eOld National Bank's small-cap brokerage units lack platform scale versus rivals like Charles Schwab; with assets under custody often below $500m per unit and market share under 0.1%, they struggle to grow and attract fees.\u003c\/p\u003e\n\u003cp\u003eRegulatory and compliance costs can exceed 25% of revenue for small brokerages, turning low-margin services into low-growth 'dogs' that add negligible profit-Old National reported non-interest revenue growth of just 1.2% in 2024.\u003c\/p\u003e\n\u003cp\u003eWithout M\u0026amp;A or heavy tech investment, these units are unlikely to reach scale needed to move out of 'dog' status and therefore fail to meaningfully impact the bank's bottom line.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAssets under custody \u0026lt; $500m\u003c\/li\u003e\n\u003cli\u003eMarket share \u0026lt; 0.1%\u003c\/li\u003e\n\u003cli\u003eRegulatory costs \u0026gt;25% revenue\u003c\/li\u003e\n\u003cli\u003eNon-interest revenue growth 1.2% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNiche Specialized Equipment Leasing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eCertain legacy niche equipment leasing programs at Old National Bank have failed to reach scale; portfolios under $150m per vertical generate mid-single-digit ROEs versus the bank's commercial lending target of 12% (2025 plan), making them Dogs in the BCG matrix.\u003c\/p\u003e\n\u003cp\u003eThese units sit in low-growth markets (\u0026lt;2% CAGR) where ONB lacks share and face higher charge-off rates (120-180 bps above core loan book), tying up capital and senior management time better used in commercial lending.\u003c\/p\u003e\n\u003cp\u003eShifting resources could free ~$200-300m regulatory capital and improve group ROE by 100-250 bps over 24 months if redeployed to core sectors.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePortfolios \u0026lt; $150m per niche\u003c\/li\u003e\n\u003cli\u003eMarket growth \u0026lt;2% CAGR\u003c\/li\u003e\n\u003cli\u003eCharge-offs +120-180 bps vs core\u003c\/li\u003e\n\u003cli\u003ePotential $200-300m capital redeploy\u003c\/li\u003e\n\u003cli\u003eROE uplift 100-250 bps in 24 months\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Dogs-Icon-Locker-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCull the Dogs: Consolidate Legacy Rural, Paper Services, Auto \u0026amp; Niche Leasing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLegacy rural branches, paper-based services, indirect auto lending, small brokerages, and niche equipment leasing are Dogs for Old National: low share, \u0026lt;2% growth, high costs-examples: rural deposits -3.8% (2025), paper services volume -60% since 2019, indirect NIM ~1.1% (2025), broker AUC \u0026lt; $500m, leasing portfolios \u0026lt; $150m; prioritize consolidation and capital redeploy.\u003c\/p\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eQ\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003euestion Marks\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGreen Energy and ESG-Linked Financing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eGreen energy and ESG-linked financing is a high-growth market-global sustainable debt issuance hit $2.1 trillion in 2024-driven by tighter regulations and corporate net-zero targets, yet Old National's market share lags national leaders at under 1% of US green loan origination.\u003c\/p\u003e\n\u003cp\u003eScaling requires major investment in specialized underwriting, tech, and staff; estimates show building capability could cost $50-120 million over 3 years depending on deal volume.\u003c\/p\u003e\n\u003cp\u003eDecision: commit heavy capital to chase Star status with targeted ROI \u0026gt;12% over 5 years, or exit before the opportunity narrows and the segment risks becoming a low-share Dog.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eConsumer Personal Loan Fintech Partnerships\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eOld National Bank is testing third-party fintech consumer-loan partnerships to access borrowers beyond its Midwest footprint; fintech-originated US personal loan volume hit about $65 billion in 2024, up ~9% vs 2023, signaling high-growth potential.\u003c\/p\u003e\n\u003cp\u003eCurrent market share for Old National in digital lending is minimal-sub-1%-so these offerings sit in the BCG Question Marks quadrant: high market growth, low share.\u003c\/p\u003e\n\u003cp\u003eSuccess hinges on rapid scaling: model shows 3x originations in 18 months could boost assets by ~$1.2B, but maintaining charge-offs near regional bank levels (2-3%) is critical to avoid credit losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCryptocurrency Custody and Digital Asset Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCryptocurrency custody and digital asset services sit in Question Marks: institutional digital-asset custody projected to grow ~18% CAGR to $330B AUM by 2028, but Old National reported \u0026lt;1% share in 2025 payments\/custody pipeline; adoption among its SME and wealth clients is uncertain.\u003c\/p\u003e\n\u003cp\u003eThe initiative needs heavy tech and compliance spend-estimated $30-50M upfront for secure MPC key management, SOC 2\/Type II, and crypto AML controls-pressuring near-term ROIC.\u003c\/p\u003e\n\u003cp\u003eRetention hinges on client uptake: industry custody revenue margins near 25-35%, yet if bank converts \u0026lt;5% of eligible clients over 3 years, breakeven shifts past year 7-so long-term viability remains unproven.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExpansion into the Texas Market\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRecent exploratory moves into high-growth Texas markets put Old National Bank in a Question Mark position: Texas GDP grew 3.8% in 2024 and metro population rose 1.5%, yet Old National holds under 1% market share statewide, making upside large but uncertain.\u003c\/p\u003e\n\u003cp\u003eCompeting with Wells Fargo, Chase, and Frost requires heavy upfront spending-estimated $150-300M over 3 years for branches, marketing, and hires-so slow traction could turn these units into cash sinks.\u003c\/p\u003e\n\u003cp\u003eIf customer acquisition stays below 20% of targeted segments in 24 months, return on invested capital will likely stay negative and force either divestiture or stepped-up investment.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTexas GDP +3.8% (2024)\u003c\/li\u003e\n\u003cli\u003eState pop +1.5% (2024)\u003c\/li\u003e\n\u003cli\u003eOld National share \u0026lt;1%\u003c\/li\u003e\n\u003cli\u003eEstimated $150-300M capex\/3yrs\u003c\/li\u003e\n\u003cli\u003e20% customer-acq threshold\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced AI-Driven Advisory Tools\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAdvanced AI-Driven Advisory Tools sit in the Question Marks quadrant: robo-advisory is growing ~18% CAGR (2021-25) with assets under management reaching $1.2 trillion in 2025, but Old National's deployment is nascent and market share remains below 1% versus fintech leaders.\u003c\/p\u003e\n\u003cp\u003eTurning this into a Star needs heavy upfront spend-estimated $40-70M over 3 years on data science, cloud, and compliance-plus hiring ~30 senior ML engineers to scale personalization and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSector growth ~18% CAGR (2021-25), AUM $1.2T in 2025\u003c\/li\u003e\n\u003cli\u003eOld National robo share \u0026lt;1%\u003c\/li\u003e\n\u003cli\u003eRequired investment $40-70M over 3 years\u003c\/li\u003e\n\u003cli\u003e~30 senior ML hires to reach competitive parity\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Questions-Image-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOld National's Big Bets: \u0026lt;$1% Share, $30-300M Scale Needed - ROIC \u0026gt;12% to Stay\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eQuestion Marks: high-growth areas (green loans, fintech lending, crypto custody, AI advisory) where Old National's share is \u0026lt;1%; scaling needs $30-300M upfront per initiative with 3-5 year ROI targets; key thresholds: 3x originations in 18 months, \u0026lt;5% client conversion for custody, 20% customer-acq in Texas, ROIC \u0026gt;12% to justify stay.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eInitiative\u003c\/th\u003e\n\u003cth\u003eGrowth\/Metric\u003c\/th\u003e\n\u003cth\u003eON Share\u003c\/th\u003e\n\u003cth\u003eEst Spend (3yrs)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGreen loans\u003c\/td\u003e\n\u003ctd\u003e$2.1T 2024 market\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1%\u003c\/td\u003e\n\u003ctd\u003e$50-120M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech loans\u003c\/td\u003e\n\u003ctd\u003e$65B 2024\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1%\u003c\/td\u003e\n\u003ctd\u003e- (scale)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCrypto custody\u003c\/td\u003e\n\u003ctd\u003e18% CAGR to $330B by 2028\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1%\u003c\/td\u003e\n\u003ctd\u003e$30-50M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAI advisory\u003c\/td\u003e\n\u003ctd\u003e$1.2T robo AUM 2025\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;1%\u003c\/td\u003e\n\u003ctd\u003e$40-70M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Porter's Five Forces","offers":[{"title":"Default Title","offer_id":55643091042377,"sku":"oldnational-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0978\/1261\/1145\/files\/oldnational-bcg-matrix.webp?v=1776728957","url":"https:\/\/five-forces.com\/products\/oldnational-bcg-matrix","provider":"Porter’s Five Forces","version":"1.0","type":"link"}