MSBI furnishes Q3 2025 results with Exhibits 99.1 and 99.2

Rhea-AI Filing Summary

Midland States Bancorp, Inc. furnished a Form 8-K announcing its third-quarter 2025 results. The company released a press release and made an investor slide presentation available on its website, attached as Exhibits 99.1 and 99.2. These materials are provided under Items 2.02 and 7.01 and are furnished, not filed, under the Exchange Act; they are not incorporated by reference except as specifically stated.

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, 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): October 30, 2025

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 October 30, 2025, Midland States Bancorp, Inc. (the “Company”) issued a press release announcing its financial results for the third quarter of 2025. The press release is attached as Exhibit 99.1.

Item 7.01. Regulation FD Disclosure.

On October 30, 2025, the Company made available on its website a slide presentation regarding the Company’s third 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 October 30, 2025
99.2						Slide Presentation of Midland States Bancorp, Inc. regarding third 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: October 30, 2025			By:			/s/ Eric T. Lemke
						Eric T. Lemke
						Chief Financial Officer

FAQ

What did MSBI disclose in this 8-K?

The company announced its third-quarter 2025 financial results and provided an investor slide presentation.

Which exhibits are included with MSBI’s 8-K?

Exhibit 99.1 is the press release dated October 30, 2025, and Exhibit 99.2 is the slide presentation on Q3 2025 results.

Are the Q3 2025 materials considered filed or furnished?

They are furnished under Items 2.02 and 7.01 and are not deemed filed under Section 18 of the Exchange Act.

Where can I find the investor presentation for MSBI?

The slide presentation regarding Q3 2025 results is available on the company’s website and attached as Exhibit 99.2.

What is MSBI’s trading symbol and listing?

Common stock trades on Nasdaq under MSBI; the Series A preferred depositary shares trade under MSBIP.

Who signed the 8-K for MSBI?

Chief Financial Officer Eric T. Lemke signed the report.