{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-23-000021","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2023-07-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.004574+00:00","generated_at":"2026-06-13T00:19:05.733965+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Midland States Q2 net income $19.3M ($0.86 EPS); NIM narrows to 3.23%","bullets":["Net income available to common $19.3M ($0.86 diluted) vs $19.5M Q1 and $21.9M year ago.","Tax-equivalent NIM 3.23% (Q1: 3.39%, Q2 2022: 3.65%); net interest income $59.0M, down 2.8% QoQ.","Loans $6.37B (+$13.1M QoQ); deposits flat at $6.43B; commercial/construction up, consumer down (GreenSky runoff).","Efficiency ratio improved to 55.0% from 57.6% Q1; noninterest expense $42.9M.","NPLs rose to 0.86% of loans (0.80% Q1); allowance at 1.02%; CET1 ratio 8.03%; TBV $22.24."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-23-000021","json":"https://secwatch.observer/filing/0001466026-23-000021.json","markdown":"https://secwatch.observer/filing/0001466026-23-000021.md","text":"https://secwatch.observer/filing/0001466026-23-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602623000021/0001466026-23-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602623000021/msbi-20230727.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T00:19:05.733965+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":[{"claim_id":"efd7a2ff045f37cc31a020cf17419c1f84ec6480","claim":"Midland States Bancorp, Inc. reported the second quarter of 2023 results: net income $19.3 million, EPS $0.86 per diluted share.","evidence_excerpt":"Midland States Bancorp, Inc. (Nasdaq: MSBI) (the “Company”) today reported net income available to common shareholders of $19.3 million, or $0.86 per diluted share, for the second quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1466026/000146602623000021/0001466026-23-000021-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$19.3 million"},{"label":"EPS","value":"$0.86 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}