Short answer
Midland States Bancorp, Inc. (MSBI) filed an 8-K current report with the SEC on July 28, 2026 reporting Item 7.01 (Regulation FD Disclosure), Item EX-99.1 (Exhibit EX-99.1). Section contains only standard incorporation-by-reference disclaimer language.
Midland States Bancorp, Inc. 8-K event analysis
AI summary of each reported item and its exhibits
Item 7.01 · Regulation FD Disclosure
- Section contains only standard incorporation-by-reference disclaimer language
- No substantive Regulation FD disclosure or investor-actionable information provided
Item EX-99.1 · Exhibit EX-99.1
- Q2 2026 net income available to common shareholders $17.7M, diluted EPS $0.82, versus $9.8M and $0.44 year-over-year
- Net interest margin 3.98%, up seven basis points sequentially, supported by favorable securities mix and lower funding costs
- Deposits increased $267.2M sequentially to $5.71B while cost of deposits declined to 1.78%, strengthening liquidity and funding economics
- Credit remains mixed: nonperforming assets held at 0.91% of assets, but provision rose to $7.1M after an $8.6M commercial real estate charge-off
- Capital and shareholder returns supportive: CET1 10.4%, $2.7M repurchased, with $24.9M remaining under the $45.0M authorization
Generated from the filing text and exhibits; verify against the original. What 8-K item codes mean
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