Recent 8-K filings for MBWM

• April 21, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01 ◈ Earnings Releases

  Mercantile Bank Q1 net income $22.7M ($1.32 diluted); adjusted EPS $1.46, revenue up 18% YoY

  GAAP net income $22.7M ($1.32 diluted) vs $19.5M ($1.21) a year ago; adjusted net income $25.2M ($1.46).

• January 20, 2026, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 7.01item 9.01

  Mercantile Bank Q4 2025 EPS $1.40, up 15% YoY; acquires Eastern Michigan Bank with $572M assets

  Net income Q4 $22.8M ($1.40 EPS) vs $19.6M ($1.22 EPS) a year ago; full year $88.8M ($5.47 EPS) vs $79.6M ($4.93 EPS).

• December 31, 2025, 6:59 PM ET M&A materiality 0.75 positive item 1.01item 2.03item 3.03item 5.02item 8.01item 9.01 ◈ Debt Financings◈ Material Agreements

  Mercantile Bank closes merger with Eastern Michigan Financial for $32.32/share + 0.7116 shares

  Merger completed Dec 31, 2025; Eastern shareholders get $32.32 + 0.7116 MBWM shares per share.

• December 19, 2025, 6:59 PM ET M&A materiality 0.75 positive item 8.01

  EFIN shareholders approve merger with Mercantile Bank; close expected Dec 31, 2025

  At special meeting Dec 19, 2025, EFIN shareholders voted to approve merger with Mercantile Bank Corporation.

• December 17, 2025, 6:59 PM ET M&A materiality 0.60 neutral item 8.01item 9.01

  Mercantile gets final regulatory nod for Eastern Michigan merger; close set for Dec 31

  Federal Reserve Bank of Chicago approved merger; all required regulatory approvals now received.

• October 21, 2025, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  Mercantile Bank Q3 net income $23.8M ($1.46 EPS), up from $19.6M YoY; NIM stable at 3.50%

  Net revenue $62.4M (+7.6% YoY) on net interest income $52.0M (+7.7%) and noninterest income $10.4M.

• July 29, 2025, 7:59 PM ET M&A materiality 0.90 positive item 1.01item 2.02item 7.01item 9.01

  Mercantile Bank Corporation announces merger with Eastern Michigan Financial and Q2 2025 results

  Merged with Eastern Michigan Financial Corporation in a deal valued at approximately $95.8 million.

• July 22, 2025, 7:59 PM ET M&A materiality 0.85 positive item 1.01item 2.02item 7.01item 9.01

  Mercantile Bank Q2 EPS $1.39 vs $1.17; Announces $95.8M Merger with Eastern Michigan Financial

  Q2 2025 net income $22.6M ($1.39 diluted EPS) vs $18.8M ($1.17) in Q2 2024; revenue $60.9M, up 7.4%.

• April 22, 2025, 7:59 PM ET earnings materiality 0.60 neutral item 2.02item 7.01item 9.01

  Mercantile Bank Q1 net income $19.5M ($1.21 EPS) down from $1.34 YoY; NII up 2.5%

  Net income $19.5M ($1.21 diluted EPS) vs $21.6M ($1.34) in Q1 2024.

• January 21, 2025, 6:59 PM ET earnings materiality 0.75 neutral item 2.02item 7.01item 9.01

  Mercantile Bank Q4 net income down to $19.6M ($1.22); full-year EPS $4.93, declares higher dividend

  Q4 2024 net income $19.6M ($1.22 diluted EPS) vs $20.0M ($1.25) in Q4 2023; full-year net income $79.6M ($4.93) vs $82.2M ($5.13).

• October 15, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  Mercantile Bank Q3 2024 EPS $1.22; loans grow 10.3% annualized, deposits up 30%

  Net income of $19.6M ($1.22 diluted EPS) vs $20.9M ($1.30) in Q3 2023; net revenue $58.0M.

• July 16, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 7.01item 9.01

  Mercantile Bank Q2 net income $18.8M ($1.17 EPS); dividend increased

  Net income $18.8M ($1.17 diluted EPS) vs $20.4M ($1.27) in Q2 2023; H1 net income $40.3M ($2.50) vs $41.3M ($2.58).

• June 3, 2024, 7:59 PM ET leadership materiality 0.65 neutral item 5.02item 9.01 ◈ executive_change ×3

  Mercantile Bank appoints Raymond Reitsma as President and CEO; Robert Kaminski retires, stays on board

  Robert Kaminski retired as President/CEO effective June 1, 2024; remains a director of Mercantile and Bank.

Executive changes

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.90 · Median 0.60 · Most common event earnings

9 positive 0 negative 15 neutral

source · MBWM on sec.gov