{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-002789","form_type":"8-K","ticker":"ONB","cik":"0000707179","company_name":"OLD NATIONAL BANCORP /IN/","filed_at":"2026-01-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.502022+00:00","generated_at":"2026-05-16T09:24:37.212289+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Old National Bancorp Q4 adjusted EPS $0.62, full-year $2.21; record adjusted efficiency ratio 46%","bullets":["Q4 net income applicable to common shares $212.6M ($0.55 diluted); adjusted $241.0M ($0.62).","Full-year net income $653.1M ($1.79 diluted); adjusted $808.6M ($2.21), both records.","Net interest margin 3.65% (+1bp QoQ); deposit cost 1.80% (-17bps); loan growth 6.4% annualized.","Adjusted efficiency ratio improved to 46.0% from 48.1% in Q3; disciplined expense management.","Credit quality stable: NCOs 27bps (16bps excl. PCD); nonaccrual 1.07%; capital Tier 1 common 11.08%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-002789","json":"https://secwatch.observer/filing/0001628280-26-002789.json","markdown":"https://secwatch.observer/filing/0001628280-26-002789.md","text":"https://secwatch.observer/filing/0001628280-26-002789.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/707179/000162828026002789/0001628280-26-002789-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/707179/000162828026002789/onb-20260121.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:24:37.212289+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}