{"schema_version":"secwatch.filing_event.v1","accession":"0001466026-26-000071","form_type":"8-K","ticker":"MSBI","cik":"0001466026","company_name":"Midland States Bancorp, Inc.","filed_at":"2026-07-23T20:07:22+00:00","discovered_at":"2026-07-23T20:08:00.230888+00:00","generated_at":"2026-07-23T20:08:17.998723+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 Bancorp Q2 net income $17.7M, EPS $0.82, NIM expands to 3.98%","bullets":["Net income available to common shareholders $17.7M ($0.82 diluted EPS) vs $16.2M ($0.74) in Q1 2026 and $9.8M ($0.44) in Q2 2025.","Net interest margin expanded to 3.98% from 3.91% QoQ; adjusted PPNR $32.8M (2.01% of avg assets).","Total deposits increased $267M; Community Bank loan portfolio grew $6.3M while total loans declined $94.9M on specialty finance runoff.","Capital strengthened: CET1 ratio 10.39%, total capital to risk-weighted assets 15.77%; nonperforming assets flat at 0.91%.","Trust assets under administration rose to $4.78B from $4.47B in prior quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001466026-26-000071","json":"https://secwatch.observer/filing/0001466026-26-000071.json","markdown":"https://secwatch.observer/filing/0001466026-26-000071.md","text":"https://secwatch.observer/filing/0001466026-26-000071.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000071/0001466026-26-000071-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1466026/000146602626000071/msbi-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:08:17.998723+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"}