{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-24-000038","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.502475+00:00","generated_at":"2026-05-30T10:25:55.306266+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Midland States Bancorp Q3 net income $16.2M ($0.74 EPS) vs Q2 $4.5M; provision expense drops to $5.0M","bullets":["Net income available to common shareholders of $16.2M ($0.74 diluted EPS) vs $4.5M ($0.20) in Q2 2024.","Provision expense fell to $5.0M from $16.8M in Q2 (driven by LendingPoint charge-off resolution).","Tangible book value per share rose to $24.90 from $23.36; efficiency ratio improved to 62.8% from 65.2%.","Net interest margin (tax-equivalent) was 3.10% vs 3.12% in Q2; nonperforming loans increased to $114.6M.","Loans declined $103.2M (1.8%) as equipment finance and consumer portfolios were reduced."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-24-000038","json":"https://secwatch.observer/filing/0001466026-24-000038.json","markdown":"https://secwatch.observer/filing/0001466026-24-000038.md","text":"https://secwatch.observer/filing/0001466026-24-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602624000038/0001466026-24-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602624000038/msbi-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:25:55.306266+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"}