Mercantile Bank (NASDAQ: MBWM) shares 2025 earnings release and presentation

Rhea-AI Filing Summary

Mercantile Bank Corporation filed a current report describing its latest financial communications. The company issued a press release announcing earnings and other financial results for the quarter and year ended December 31, 2025, and furnished this release as Exhibit 99.1.

Management also prepared a Conference Call & Webcast Presentation for use during its previously announced fourth quarter 2025 conference call on January 20, 2026 at 10:00 a.m. Eastern Time and in future investor and stakeholder presentations. This presentation is furnished as Exhibit 99.2 and is also available on the company’s investor relations website.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of Report (date of earliest event reported): January 20, 2026

Mercantile Bank Corporation

(Exact name of registrant as specified in its charter)

Michigan	000-26719	38-3360865
(State or other jurisdiction  of incorporation)	(Commission File  Number)	(IRS Employer  Identification Number)

310 Leonard Street NW, Grand Rapids, Michigan	49504
(Address of principal executive offices)	(Zip Code)
Registrant's telephone number, including area code	616-406-3000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock	MBWM	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR §230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR §240.12b-2).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.          ☐

Item 2.02 Results of Operations and Financial Condition.

Earnings Release

On January 20, 2026, Mercantile Bank Corporation (the “Company”) issued a press release announcing earnings and other financial results for the quarter and year ended December 31, 2025.  A copy of the press release is furnished as Exhibit 99.1 to this report and incorporated here by reference.

Item 7.01 Regulation FD Disclosure.

The Company has prepared presentation materials (the “Conference Call & Webcast Presentation”) that management intends to use during its previously announced Fourth Quarter 2025 conference call on Tuesday, January 20, 2026 at 10:00 am Eastern Time, and from time to time thereafter in presentations about the Company’s operations and performance. The Company may use the Conference Call & Webcast Presentation, possibly with modifications, in presentations to current and potential investors, analysts, lenders, business partners, acquisition candidates, customers, employees and others with an interest in the Company and its business.

A copy of the Conference Call & Webcast Presentation is furnished as Exhibit 99.2 to this report and incorporated here by reference. The Conference Call & Webcast Presentation is also available on the Company's website at http://ir.mercbank.com. Materials on the Company’s website are not part of or incorporated by reference into this report.

In accordance with General Instruction B.2 of Form 8-K, the information in this Current Report on Form 8-K, including Exhibits 99.1 and 99.2, shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liability of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit Number                    Description

99.1 Press release of Mercantile Bank Corporation dated January 20, 2026, reporting financial results and earnings for the quarter and year ended December 31, 2025.

99.2 Mercantile Bank Corporation Conference Call & Webcast Presentation dated January 20, 2026.

104 Cover Page Interactive Data File (embedded within the Inline XBRL document)

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Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	Mercantile Bank Corporation
	By:	/s/ Charles E. Christmas
		Charles E. Christmas
		Executive Vice President, Chief
		Financial Officer and Treasurer

Date: January 20, 2026

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FAQ

What did Mercantile Bank Corporation (MBWM) disclose in this 8-K?

The company reported that it issued a press release announcing earnings and other financial results for the quarter and year ended December 31, 2025, and furnished this release as Exhibit 99.1.

Which period do the newly announced Mercantile Bank (MBWM) results cover?

The earnings and other financial results relate to the quarter and year ended December 31, 2025.

What investor materials did Mercantile Bank (MBWM) provide with this filing?

Mercantile Bank furnished a press release as Exhibit 99.1 and a Conference Call & Webcast Presentation as Exhibit 99.2, both incorporated by reference in the report.

How will Mercantile Bank (MBWM) use the Conference Call & Webcast Presentation?

Management intends to use the presentation during the fourth quarter 2025 conference call on January 20, 2026 at 10:00 a.m. Eastern Time and from time to time thereafter in presentations to investors and other stakeholders.

Where can investors access Mercantile Bank’s (MBWM) earnings presentation?

The Conference Call & Webcast Presentation is available as Exhibit 99.2 and on the company’s investor relations website at http://ir.mercbank.com.

Are the Mercantile Bank (MBWM) earnings materials considered filed for liability purposes?

The report states that, under General Instruction B.2, the information in this report, including Exhibits 99.1 and 99.2, is furnished and not deemed filed for purposes of Section 18 of the Exchange Act.