{"schema_version":"secwatch.filing_event.v1","accession":"0001171843-23-007033","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2023-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.144096+00:00","generated_at":"2026-06-08T04:55:40.800634+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Midland States Bancorp Q3 2023 update: $0.71 EPS, stable deposits, asset quality steady","bullets":["Net income available to common shareholders of $15.8M, diluted EPS $0.71; includes $0.07 loss from balance sheet repositioning.","Total loans $6.28B, down $86.5M QoQ from planned runoff in GreenSky and equipment finance; loan yield rose to 5.93%.","Total deposits essentially flat at $6.41B; loan-to-deposit ratio improved to 98% from 99%; cost of deposits rose to 2.32%.","Nonperforming loans/total loans at 0.89%, NCO/average loans at 0.22%; CET1 ratio increased 13bps to 8.16%.","GreenSky termination in Oct 2023; projected portfolio reduction to $407M by EOY 2024 from $755M at 9/30/23."],"urls":{"canonical":"https://secwatch.observer/filing/0001171843-23-007033","json":"https://secwatch.observer/filing/0001171843-23-007033.json","markdown":"https://secwatch.observer/filing/0001171843-23-007033.md","text":"https://secwatch.observer/filing/0001171843-23-007033.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000117184323007033/0001171843-23-007033-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000117184323007033/f8k_111323.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T04:55:40.800634+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"}