---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-023723"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2025-07-29T23:59:59+00:00"
generated_at: "2026-05-17T23:53:56.628480+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# ConnectOne reports Q2 net loss of $(21.8)M on $30.7M merger costs and $27.4M credit provision

## Summary
- Net loss available to common: $(21.8)M (diluted EPS $(0.52)); operating net income $23.1M (EPS $0.55).
- Merger with The First of Long Island closed June 1; company now $13.9B assets, 61 locations.
- Dividend declared: $0.18/share common (payable Sept 2, record Aug 15); preferred dividend $0.328125/depositary share.
- Nonperforming assets fell to $39.2M (0.28% of assets); ACL ratio rose to 1.40% vs 1.00% at Dec 31.
- Net interest margin widened to 3.06% (2.93% in Q1); deposit costs down 11 bps.

## SEC filing metadata
- accession: 0001437749-25-023723
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2025-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712771/000143774925023723/0001437749-25-023723-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774925023723/cnob20250430c_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-023723
- JSON: https://secwatch.observer/filing/0001437749-25-023723.json
- Plain text: https://secwatch.observer/filing/0001437749-25-023723.txt

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