---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-26-024230"
form_type: "8-K"
ticker: "CNOB"
cik: "0000712771"
company_name: "ConnectOne Bancorp, Inc."
filed_at: "2026-07-23T11:30:10+00:00"
generated_at: "2026-07-23T11:35:14.354384+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# ConnectOne Q2 net income $40.2M, EPS $0.80; NIM widens to 3.42%; NPAs rise to $79.7M

## Summary
- Diluted EPS $0.80 vs $0.72 in Q1 2026 and $(0.52) in Q2 2025; operating EPS $0.84.
- Net interest margin expanded 7th consecutive quarter to 3.42%; loans grew 5% annualized, core deposits 8%.
- Nonperforming assets increased to $79.7M (0.55% of assets) from $41.6M, driven by NYC rent-stabilized multi-family loans.
- Recorded $13.8M charge-off on NYC multi-family loans; provision for credit losses $8.3M vs $5.2M in Q1.
- Common dividend declared $0.195/share, payable Sept 1, 2026 to holders of record Aug 14, 2026.

## SEC filing metadata
- accession: 0001437749-26-024230
- form_type: 8-K
- ticker: CNOB
- cik: 0000712771
- company_name: ConnectOne Bancorp, Inc.
- filed_at: 2026-07-23T11:30:10+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/712771/000143774926024230/0001437749-26-024230-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/712771/000143774926024230/cnob20260423_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-26-024230
- JSON: https://secwatch.observer/filing/0001437749-26-024230.json
- Plain text: https://secwatch.observer/filing/0001437749-26-024230.txt

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