{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-26-000012","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.129502+00:00","generated_at":"2026-05-16T08:44:35.060752+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Midland States Bancorp Q4 2025 net loss $5.1M; adjusted EPS $0.53; sells equipment finance portfolio","bullets":["Net loss available to common shareholders of $5.1M ($0.24 diluted EPS) vs Q3 income of $5.3M ($0.24).","Adjusted earnings available to common shareholders of $11.9M ($0.53 diluted EPS) excludes $21.4M loss on equipment finance sale.","Net interest margin 3.74%, down 5 bps QoQ; cost of deposits fell 17 bps to 1.95%.","Nonperforming assets stable at 1.02% of total assets; allowance for credit losses dropped to 1.59% of loans due to portfolio sale.","Common equity tier 1 capital ratio improved to 9.89%; repurchased $9.6M of common stock in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-26-000012","json":"https://secwatch.observer/filing/0001466026-26-000012.json","markdown":"https://secwatch.observer/filing/0001466026-26-000012.md","text":"https://secwatch.observer/filing/0001466026-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000012/0001466026-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000012/msbi-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:44:35.060752+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"}