{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-25-000027","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.041880+00:00","generated_at":"2026-05-18T02:12:11.751353+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Midland States Q2 net income $9.8M ($0.44 diluted), down from $23.5M ($1.06) YoY","bullets":["Net income available to common shareholders of $9.8M ($0.44 diluted EPS), down 58% from $23.5M ($1.06) in Q2 2024.","Pre-provision net revenue improved to $32.2M from $27.0M in prior quarter; net interest margin expanded 7 bps to 3.56%.","Nonperforming assets declined to $111M (1.56% of assets) from $151M (2.08%) in Q1; CEO notes $29M in NPA exits post-quarter-end.","Net charge-offs $29.9M including $13.9M specialty finance and $3.9M equipment finance; provision for credit losses $17.4M.","Community Bank loans grew $58.9M; Specialty Finance decreased $173.3M as tighter underwriting reduces higher-risk exposure."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-25-000027","json":"https://secwatch.observer/filing/0001466026-25-000027.json","markdown":"https://secwatch.observer/filing/0001466026-25-000027.md","text":"https://secwatch.observer/filing/0001466026-25-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602625000027/0001466026-25-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602625000027/msbi-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:12:11.751353+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"}