Midland States Bancorp (NASDAQ: MSBI) shares Q4 2025 financial results

Rhea-AI Filing Summary

Midland States Bancorp, Inc. filed a Form 8-K to announce that it released its financial results for the fourth quarter of 2025. The company issued a press release describing these results and attached it as Exhibit 99.1.

The company also posted a slide presentation covering the same fourth quarter 2025 financial results on its website, which is included as Exhibit 99.2. Both the press release and the slide presentation are furnished for information purposes and are not deemed filed under the securities laws.

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.

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Accepted by SEC EDGAR 01/22/2026 - 04:10 PM Learn about SEC filing dates

FALSE000146602600014660262026-01-222026-01-220001466026us-gaap:CommonStockMember2026-01-222026-01-220001466026msbi:DepositarySharesMember2026-01-222026-01-22

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 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 22, 2026

Midland States Bancorp, Inc.

(Exact Name of Registrant as Specified in Its Charter)

Illinois

001-35272

37-1233196

(State or Other Jurisdiction of Incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1201 Network Centre Drive

Effingham, Illinois 62401

(Address of Principal Executive Offices) (Zip Code)

(217) 342-7321

(Registrant’s Telephone Number, Including Area Code)

N/A

(Former Name or Former Address, if Changed Since Last Report)

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, $0.01 par value			MSBI			The Nasdaq Market LLC
Depositary Shares, each representing a 1/40th interest in a share of 7.75% fixed rate reset non-cumulative perpetual preferred stock, Series A, $2.00 par value			MSBIP			The Nasdaq 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 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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.

On January 22, 2026, Midland States Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter of 2025. The press release is attached as Exhibit 99.1.

Item 7.01. Regulation FD Disclosure.

On January 22, 2026, the Company made available on its website a slide presentation regarding the Company’s fourth quarter 2025 financial results. The slide presentation is attached as Exhibit 99.2.

The information set forth under Items 2.02 and 7.01 in this Form 8-K and the attached exhibits shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, and shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference in any such filing.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.  

Exhibit No.						Description
99.1						Press Release of Midland States Bancorp, Inc., dated January 22, 2026
99.2						Slide Presentation of Midland States Bancorp, Inc. regarding fourth quarter 2025 financial results
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

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 thereunto duly authorized.

Date: January 22, 2026			By:			/s/ Eric T. Lemke
						Eric T. Lemke
						Chief Financial Officer

FAQ

What did Midland States Bancorp, Inc. (MSBI) disclose in this Form 8-K?

The company disclosed that it issued a press release announcing its fourth quarter 2025 financial results and furnished that release as Exhibit 99.1.

What exhibits are included with Midland States Bancorp, Inc. (MSBI) Q4 2025 Form 8-K?

The Form 8-K includes a press release on Q4 2025 financial results as Exhibit 99.1, a slide presentation on those results as Exhibit 99.2, and a Cover Page Interactive Data File as Exhibit 104.

Are Midland States Bancorp, Inc. (MSBI) Q4 2025 results considered filed with the SEC?

The information in Items 2.02 and 7.01 and the related exhibits is furnished, not filed, and is not incorporated into other filings unless specifically referenced.

Where can investors find Midland States Bancorp, Inc. (MSBI) Q4 2025 financial presentation?

The company made a slide presentation regarding its fourth quarter 2025 financial results available on its website, and it is also furnished as Exhibit 99.2.

Which reporting items are used for Midland States Bancorp, Inc. (MSBI) Q4 2025 disclosure?

The company used Item 2.02 for results of operations and financial condition and Item 7.01 for Regulation FD disclosure to present its Q4 2025 information.