---
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"
generated_at: "2026-05-16T09:24:37.212289+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Old National Bancorp Q4 adjusted EPS $0.62, full-year $2.21; record adjusted efficiency ratio 46%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/707179/000162828026002789/0001628280-26-002789-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707179/000162828026002789/onb-20260121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-002789
- JSON: https://secwatch.observer/filing/0001628280-26-002789.json
- Plain text: https://secwatch.observer/filing/0001628280-26-002789.txt

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