secwatch.observer — SEC 8-K summary
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Issuer:     OLD NATIONAL BANCORP /IN/ (ONB)
CIK:        0000707179
Form:       8-K
Filed at:   2026-01-21T23:59:59+00:00
Accession:  0001628280-26-002789
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/707179/000162828026002789/0001628280-26-002789-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/707179/000162828026002789/onb-20260121.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-002789

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