ONB at a glance
OLD NATIONAL BANCORP /IN/ (ONB, SEC CIK 707179) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on August 12, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), OLD NATIONAL BANCORP /IN/ (ONB) reported revenue of $3.3 billion (up 25.7% from FY2024) and net income of $669.3 million. Diluted EPS was $1.79.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding OLD NATIONAL BANCORP /IN/ (ONB) shares worth $4.8 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by ALAHMAR CHADY M. on July 30, 2026 of 11,771 shares at $26.41 per share.
- In the last 90 days, ONB insiders reported 0 open-market purchases ($0) and 2 open-market sales ($844K) on Form 4, a net sale of $844K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $3.3B
- +25.7% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$844K
- 13F holders
- 29 funds
- $4.8B · −4 vs prior quarter
- Latest 8-K
- Aug 12, 2026
- Item 8.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Regional banking with services in lending, deposits, and wealth management
- No new products or segments introduced; continued emphasis on regulatory compliance and risk management
- Strategic focus shift toward strengthening compliance programs amid increasing regulatory enforcement risks
- Regulatory capital requirements highlighted; risk of raising capital or asset sales if ratios decline
- Noteworthy emphasis on heightened legal, regulatory, and tax risks with growing scrutiny on anti-money laundering and tax positions
Risk Factors
- Regulatory risk under Federal Reserve oversight impacting net interest income management and dividend restrictions, including limit of $803.3 million dividends without approval
- Macroeconomic risk from national unemployment rate influencing credit loss allowance estimates and loan portfolio credit losses
- Operational risk of cybersecurity breaches threatening sensitive client and company information despite internal controls and monitoring
- Competitive risk from market interest rate changes affecting loan and deposit repricing against peer banks and alternative financing options
- Financial risk from $9.66 billion time deposits maturing in 2026 exposing liquidity and funding cost pressures
Management Discussion & Analysis
- Revenue: Net interest income $2.06B in 2025 vs $1.53B in 2024, up $530.9M (34.7%), driven by Bremer acquisition and loan growth
- Profitability: Net interest margin steady at 3.54% in 2025 vs 3.31% in 2024 (taxable equivalent basis); cost of interest-bearing liabilities down 29bps to 2.69%
- Best segment: Commercial and commercial real estate loans grew by $10.4B to $37.0B, largest earning asset component (57% of earning assets)
- Worst segment: Provision for credit losses increased 78.7% to $197.7M in 2025 due to credit migration and Bremer-acquired allowances
- Capital allocation: Noninterest expense $1.49B up 35.7% including $140.9M merger costs; allowance for credit losses up 45.1% to $569.5M; no direct dividend or buyback data in excerpt
- Outlook/Risks: Management highlights volatility in provision expenses due to CECL model assumptions and macroeconomic factors; loan growth and recoveries may affect future provisions
AI summary of the ONB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $732.6M, up 13.3% YoY, comprising net interest income $579.0M and noninterest income $153.6M
- Net interest margin 3.54% vs 3.53% YoY, efficiency ratio 47.04% vs 55.80%
- Net income $249.4M, up 105.5% YoY; return on average common equity 12.07% vs 6.74%
- Commercial loan balances $15.8B, strongest growth; consumer loan yield 6.57% vs commercial real estate 6.12%
- Deposits $56.1B and loans $50.8B at quarter-end; Federal Funds Rate 3.50%-3.75% vs 4.33% prior-year rate range endpoint
Risk Factors
- No material changes from 2025 Form 10-K risk factors
- Carried-forward risks remain unchanged, with no newly triggered risk identified
- Current-quarter filing provides no updated regulatory, operational, competitive, or market risk details
- Financial risk disclosures remain unchanged from the 2025 Form 10-K
AI summary of the ONB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Common-stock quarterly dividend of $0.145 per share, payable September 15, 2026
- Common shareholders of record September 5, 2026 eligible for payment
Item EX-99.1: Item EX-99.1
- Common dividend $0.145 per share, payable September 15, 2026, to September 5 record holders
- Preferred dividend $17.50 per share, equivalent to $0.4375 per depositary share
Item 7.01: Regulation FD Disclosure
- Investor presentation filed as Exhibit 99.1 for use in meetings with investors and analysts
- Disclosure provides market access to management’s investor materials under Regulation FD
Item 2.02: Results of Operations and Financial Condition
- Second-quarter 2026 results released July 22, 2026, covering Old National Bancorp’s latest reported operating period
- Exhibit 99.1 contains the detailed earnings release for financial metrics and management commentary
Item EX-99.1: Item EX-99.1
- Record 2Q26 net income of $249.4M and diluted EPS of $0.65, signaling strong earnings momentum
- Net interest income rose to $586.5M while NIM edged down 1 bp to 3.54%, reflecting loan growth offsetting modest margin pressure
AI summaries of ONB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ONB
Don't miss the next ONB filing
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- Fund moves. Which tracked funds opened, added or cut ONB, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Salmon Tom | A | Oct 2, 2026 | 366 | $24.86 |
| Moran John V | F | Sep 1, 2026 | 2,036 | $25.18 |
| BURKE TIMOTHY M JR | F | Aug 1, 2026 | 2,335 | $26.64 |
| ALAHMAR CHADY M. | Sell | Jul 30, 2026 | 11,771 | $26.41 |
| Chulos Nicholas J | Sell | Jul 28, 2026 | 20,000 | $26.66 |
| Salmon Tom | A | Jul 2, 2026 | 349 | $26.05 |
| Evernham Scott J | J | Jun 30, 2026 | 37 | $24.61 |
| ALAHMAR CHADY M. | J | Jun 30, 2026 | 73 | $24.61 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $2.2B | $2.6B | $3.3B |
| Net Income | $582.0M | $539.2M | $669.3M |
| Net Margin | 26.4% | 20.7% | 20.5% |
| Balance Sheet | |||
| Total Assets | $49.1B | $53.6B | $72.2B |
| Equity | $5.6B | $6.3B | $8.5B |
| ROE | 10.5% | 8.5% | 7.9% |
| Per Share | |||
| EPS | - | $1.68 | $1.79 |
| Cash Flow | |||
| Operating CF | $516.3M | $622.3M | $681.5M |
| CapEx | $38.4M | $30.3M | $44.1M |
Source: XBRL data in OLD NATIONAL BANCORP /IN/ (ONB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ONB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $4.79B |
| Q1 2026 | 33 | $4.96B |
| Q4 2025 | 29 | $4.99B |
| Q3 2025 | 31 | $4.96B |
| Q2 2025 | 30 | $4.56B |
| Q1 2025 | 26 | $2.62B |
| Q4 2024 | 23 | $2.06B |
| Q3 2024 | 18 | $859.0M |
- BlackRock+2.15M (+5%)
- Principal Financial Group+1.72M (+77%)
- State Street Corp+571.7K (+4%)
- Dimensional Fund Advisors+338.9K (+2%)
- Millennium Management+221.2K (+24%)
- OLD NATIONAL BANCORP /IN/−41.21M (-96%)
- Goldman Sachs Group−1.82M (-39%)
- Morgan Stanley−722.4K (-9%)
- Bank of America Corp−356.4K (-8%)
- FMR LLC (Fidelity)−296.8K (-1%)
- Citadel Advisors LLC−575.8K
- Allstate−121.4K
- Mangrove Partners−35.2K
- Atlantic Union Bankshares Corp−15
Source: 13F-HR filings on SEC EDGAR (aggregated from 219 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ONB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 8-K | Aug 12, 2026 | - | Analysis | - |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Jul 31, 2026 | - | - | - |
| 10-Q | Jul 29, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 29, 2026 | - | - | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 13F-HR | Jul 15, 2026 | Jun 30, 2026 | - | |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 8, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| 8-K | May 18, 2026 | - | Analysis | |
| 8-K | May 13, 2026 | - | Analysis | |
| 8-K | May 6, 2026 | - | Analysis | |
| 10-Q | Apr 29, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| 13F-HR | Apr 21, 2026 | Mar 31, 2026 | - | |
| 4 | Apr 10, 2026 | - | - | - |
| 4 | Apr 10, 2026 | - | - | - |
| 4 | Apr 10, 2026 | - | - | - |
| 4 | Apr 7, 2026 | - | - | - |
| 4 | Apr 3, 2026 | - | - | - |
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ONB SEC filings: frequently asked questions
Are ONB insiders buying or selling?
In the last 90 days, OLD NATIONAL BANCORP /IN/ (ONB) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $844,036 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold ONB stock?
As of June 30, 2026, the largest OLD NATIONAL BANCORP /IN/ (ONB) holders among the 13F filers tracked by SignalX were BlackRock ($1.2 billion), FMR LLC (Fidelity) ($899.6 million), Vanguard Portfolio Management LLC ($474.5 million), Dimensional Fund Advisors ($471.9 million), State Street Corp ($422.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ONB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), OLD NATIONAL BANCORP /IN/ (ONB) reported revenue of $3.3 billion (up 25.7% from FY2024) and net income of $669.3 million. Diluted EPS was $1.79. The figures come from the XBRL data in the 10-K.
What are the main risks in ONB's latest 10-K?
In the 10-K filed February 19, 2026, OLD NATIONAL BANCORP /IN/ (ONB) flagged: Regulatory risk under Federal Reserve oversight impacting net interest income management and dividend restrictions, including limit of $803.3 million dividends without approval. Macroeconomic risk from national unemployment rate influencing credit loss allowance estimates and loan portfolio credit losses. (AI summary of the Risk Factors section.)
What did ONB report in its latest 8-K?
OLD NATIONAL BANCORP /IN/ (ONB) filed an 8-K on August 12, 2026 reporting Item 8.01 (Other Events). Common-stock quarterly dividend of $0.145 per share, payable September 15, 2026.
What are the latest ONB SEC filings?
OLD NATIONAL BANCORP /IN/ (ONB) filed its latest 10-K annual report on February 19, 2026, a 10-Q quarterly report on July 29, 2026, an 8-K current report on August 12, 2026 and a Form 4 insider filing on October 6, 2026.
What is ONB's SEC CIK number?
OLD NATIONAL BANCORP /IN/ (ONB)'s SEC Central Index Key (CIK) is 707179. EDGAR lists every ONB filing under that number.
Ask anything about ONB
The research agent reads ONB's filings, financials, insider trades and 13F holders, then answers with sources.