secwatch.observer — SEC 8-K summary
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Issuer:     OLD NATIONAL BANCORP /IN/ (ONB)
CIK:        0000707179
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001104659-26-005623
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/707179/000110465926005623/0001104659-26-005623-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/707179/000110465926005623/tm263746d1_8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-005623

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer