Midland States Bancorp, Inc. (MSBI) - Form 8-K Summary
Business Context and Reporting Period
This Form 8-K, dated January 22, 2026, serves as a current report for Midland States Bancorp, Inc. The filing announces the release of financial results for the fourth quarter of 2025. The Company is incorporated in Illinois and its securities trade on The Nasdaq Market LLC under the symbols MSBI (Common Stock) and MSBIP (Preferred Stock).
Key Financial Metrics
The filing text does not provide specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. This document acts as a notification that the results have been issued via a press release (Exhibit 99.1) and a slide presentation (Exhibit 99.2), rather than containing the detailed financial data itself.
Material Changes
No material changes or comparative financial data are detailed within the body of this Form 8-K. Investors must refer to the attached exhibits for specific performance metrics and year-over-year comparisons.
Guidance, Outlook, and Risks
The filing references a slide presentation regarding the fourth quarter 2025 results, which may contain management commentary or outlook, but the text of the 8-K does not summarize these points. No specific risks, contingencies, or unusual items are described in this filing text.
Investor Verification Checklist
- Review Exhibit 99.1 (Press Release) for specific Q4 2025 earnings per share, net income, and revenue figures.
- Examine Exhibit 99.2 (Slide Presentation) for management's discussion on asset quality, liquidity positions, and future guidance.
- Verify the impact of the 7.75% fixed rate reset non-cumulative perpetual preferred stock (Series A) on the company's capital structure.
- Confirm the date of the press release matches the filing date of January 22, 2026.