---
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"
generated_at: "2026-10-21T11:10:06.272065+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Old National posts record Q3 2026 net income of $250.0M, EPS $0.66, record 46.1% efficiency ratio

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-26-066598
- JSON: https://secwatch.observer/filing/0001628280-26-066598.json
- Plain text: https://secwatch.observer/filing/0001628280-26-066598.txt

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