---
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"
generated_at: "2026-07-23T20:08:17.998723+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Midland States Bancorp Q2 net income $17.7M, EPS $0.82, NIM expands to 3.98%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001466026-26-000071
- JSON: https://secwatch.observer/filing/0001466026-26-000071.json
- Plain text: https://secwatch.observer/filing/0001466026-26-000071.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.