---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-050842"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2025-05-20T23:59:59+00:00"
generated_at: "2026-05-21T00:45:34.782104+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Bancorp issues $200M subordinated notes at 8.125%, due 2035

## Summary
- Issued $200M of 8.125% Fixed-to-Floating Rate Subordinated Notes due 2035; net proceeds ~$196.5M.
- Proceeds to redeem $75M of outstanding 5.75% notes due 2030 and contribute $100M to ConnectOne Bank as regulatory capital.
- Interest fixed at 8.125% until June 2030, then resets quarterly to 3-month SOFR + 441.5 bps.
- Notes are unsecured, subordinated obligations ranking junior to senior debt and structurally subordinated to bank liabilities.

## SEC filing metadata
- accession: 0001104659-25-050842
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2025-05-20T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712771/000110465925050842/0001104659-25-050842-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000110465925050842/tm2514692d4_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-050842
- JSON: https://secwatch.observer/filing/0001104659-25-050842.json
- Plain text: https://secwatch.observer/filing/0001104659-25-050842.txt

## Key facts
- Debt Financings
  ConnectOne Bancorp, Inc. incurred senior notes of $200,000,000 with U.S. Bank Trust Company, National Association at 8.125% Fixed-to-Floating Rate maturing due 2035.
  - Instrument: senior notes
  - Principal: $200,000,000
  - Counterparty: U.S. Bank Trust Company, National Association
  - Rate: 8.125% Fixed-to-Floating Rate
  - Maturity: due 2035
  - Event: incurrence
  source text: with respect to the issuance and sale of $200,000,000 of the Company's 8.125% Fixed-to-Floating Rate Subordinated Notes due 2035
  evidence_url: https://www.sec.gov/Archives/edgar/data/712771/000110465925050842/0001104659-25-050842-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.