{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-26-000045","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.317933+00:00","generated_at":"2026-05-15T04:30:34.958434+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Midland States Q1 net income $16.2M ($0.74 EPS), swing from prior losses","bullets":["Net income available to common shareholders of $16.2M ($0.74 EPS) vs Q4 loss of $5.1M and Q1 2025 loss of $143.2M.","Adjusted earnings $17.2M ($0.79 EPS); net interest margin expanded to 3.91% from 3.74% QoQ.","Community Bank loan growth $68.8M annualized 8.3%; total loans down $13.4M on non-core runoff.","Common equity tier 1 ratio 9.98% (approaching 10% target); $7.8M stock repurchased in Q1.","Nonperforming assets 0.91% of total assets, down 10 bps from prior quarter; credit metrics improving."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-26-000045","json":"https://secwatch.observer/filing/0001466026-26-000045.json","markdown":"https://secwatch.observer/filing/0001466026-26-000045.md","text":"https://secwatch.observer/filing/0001466026-26-000045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000045/0001466026-26-000045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000045/msbi-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:30:34.958434+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":"e21c20f038629ff6d398edf0ee1f8c36e818eab4","claim":"Midland States Bancorp, Inc. reported first quarter of 2026 results: net income net income available to common shareholders of $16.2 million, EPS $0.74 per diluted share.","evidence_excerpt":"Midland States Bancorp, Inc. (Nasdaq: MSBI) (the “Company”) today reported net income available to common shareholders of $16.2 million, or $0.74 per diluted share, for the first quarter of 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000045/0001466026-26-000045-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter of 2026"},{"label":"Net income","value":"net income available to common shareholders of $16.2 million"},{"label":"EPS","value":"$0.74 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"}