---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-005623"
form_type: "8-K"
ticker: "ONB"
cik: "0000707179"
company_name: "OLD NATIONAL BANCORP /IN/"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:07:00.494120+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Old National Q4 2025 adj. EPS $0.62, ROATCE 19.9%, NIM 3.65%, loan growth 6.4% annualized

## Summary
- Q4 2025 adjusted EPS $0.62 (GAAP $0.55); adjusted ROAA 1.37%, adjusted ROATCE 19.9%.
- Net interest income (FTE) $589M, NIM 3.65% up 1 bp QoQ; total deposit cost down 17 bps to 1.80%.
- Annualized loan growth 6.4% ($769M); total deposits up 0.6% annualized; NCOs 16 bps ex-PCD.
- Tangible book value per share $13.71, up 17% annualized; CET1 ratio 11.1%.
- Criticized/classified loans down 8% QoQ; nonaccrual loans declined $70M (-12%).

## SEC filing metadata
- accession: 0001104659-26-005623
- form_type: 8-K
- ticker: ONB
- cik: 0000707179
- company_name: OLD NATIONAL BANCORP /IN/
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/707179/000110465926005623/0001104659-26-005623-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707179/000110465926005623/tm263746d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-005623
- JSON: https://secwatch.observer/filing/0001104659-26-005623.json
- Plain text: https://secwatch.observer/filing/0001104659-26-005623.txt

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