secwatch.observer — SEC 8-K summary
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Issuer:     OLD NATIONAL BANCORP /IN/ (ONB)
CIK:        0000707179
Form:       8-K
Filed at:   2026-10-21T11:07:45+00:00
Accession:  0001628280-26-066598
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4.1-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/707179/000162828026066598/0001628280-26-066598-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/707179/000162828026066598/onb-20261021.htm
  HTML page:      https://secwatch.observer/filing/0001628280-26-066598

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer