{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-26-066598","form_type":"8-K","ticker":"ONB","cik":"0000707179","company_name":"OLD NATIONAL BANCORP /IN/","filed_at":"2026-10-21T11:07:45+00:00","discovered_at":"2026-10-21T11:10:00.427823+00:00","generated_at":"2026-10-21T11:10:06.272065+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Old National posts record Q3 2026 net income of $250.0M, EPS $0.66, record 46.1% efficiency ratio","bullets":["Net income applicable to common shares $250.0M, diluted EPS $0.66 (adjusted $0.66); includes $0.9M Bremer pension settlement gain and $0.7M pre-tax merger charges.","Net interest income (FTE) $592.0M vs $586.5M prior quarter; NIM 3.52%, down 2 bps; total deposit cost 1.79%, up 8 bps; loan-to-deposit ratio 89%.","Period-end deposits $57.6B, up 10.6% annualized; loans $51.2B, up $362.3M or 2.9% annualized, with C&I +$148.0M and CRE +$157.3M; commercial pipeline $4.4B.","Noninterest income $128.4M vs $153.6M; excluding pension gains down 9.1% on ~$10M elevated 2Q other income; adjusted noninterest expense $354.7M; adjusted efficiency ratio 44.9%.","Provision $33.6M vs $36.2M; net charge-offs $34.1M (27 bps); 30+ day delinquencies 0.25%; nonaccruals 0.92%; CET1 11.11%; repurchased $100M stock, paid $55M dividends."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-26-066598","json":"https://secwatch.observer/filing/0001628280-26-066598.json","markdown":"https://secwatch.observer/filing/0001628280-26-066598.md","text":"https://secwatch.observer/filing/0001628280-26-066598.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/707179/000162828026066598/0001628280-26-066598-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/707179/000162828026066598/onb-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T11:10:06.272065+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"}