Midland States Bancorp Inc 2026年季度报告

☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period endedJune30, 2026 ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______________ to _______________ Commission File Number001-35272 MIDLAND STATES BANCORP, INC. (Exact name of registrant as specified in its charter) (I.R.S. Employer Identification No.) (217) 342-7321 (Registrant’s telephone number, including area code) Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d)of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to suchfiling requirements for the past 90 days.☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submitsuch files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule12b-2 of the Exchange Act. Accelerated filer☒Non-accelerated filer☐Smaller reporting company☐ Large accelerated filerEmerging 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 anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act).☐Yes☒No As of July20, 2026, the Registrant had 20,752,112 shares of outstanding common stock, $0.01 par value. MIDLAND STATESBANCORP, INC.TABLE OF CONTENTS Consolidated Statements of Income (Unaudited) for the three and six months ended June 30, 2026and 20254 Consolidated Statements of Shareholders’ Equity (Unaudited) for the three and six months ended June30, 2026 and 20256 PARTII. OTHER INFORMATION GLOSSARY OF ABBREVIATIONS AND ACRONYMS As used in this report, references to the "Company," "we," "our," "us," and similar terms refer to the consolidated entity consisting ofMidland States Bancorp,Inc. and its wholly owned subsidiaries. Midland States Bancorp, Inc. refers solely to the parent holdingcompany and Midland States Bank (the "Bank") refers to our wholly owned banking subsidiary. The acronyms and abbreviations identified below are used throughout this report, including the Notes to the Consolidated FinancialStatements. You may find it helpful to refer to this page as you read this report. The Amended and Restated Midland States Bancorp, Inc. 2019 Long-Term Incentive PlanAllowance for credit losses on loansAmerican Financial ExchangeAmerican Interbank Offered RateAccumulated other comprehensive income (loss)Accounting Standards CodificationAccounting Standards UpdateAutomated teller machineBanking-as-a-ServiceBasel III regulatory capital reforms required by the Dodd-Frank ActBank Holding Company Act of 1956, as amendedCommunity Bank Leverage RatioConsumer Financial Protection BureauCybersecurity and Infrastructure Security AgencyCommunity Reinvestment ActJoint Proposal to Strengthen and Modernize Community Reinvestment Act RegulationsCommercial Real EstateConcentrations in Commercial Real Estate Lending, Sound Risk Management Practices guidanceIllinois Department of Financial and Professional RegulationDeposit Insurance FundSecurities Exchange Act of 1934Financial Accounting Standards BoardFederal Deposit Insurance CorporationBoard of Governors of the Federal Reserve SystemFederal Housing AdministrationFederal Home Loan BankFinancial TechnologyFederal Open Market CommitteeFederal Reserve BankU.S. generally accepted accounting principlesGreenSky, LLCIllinois Community Reinvestment ActLendingPoint, LLCLoss given defaultMidland States Preferred Securities TrustNasdaq Global Select MarketNet Interest Income at RiskOther real estate ownedPublic Company Accounting Oversight BoardPurchased credit deterioratedProbability of defaultQualitative factorEconomic Growth, Regulatory Relief and Consumer Protection ActSmall Business AdministrationU.S. Securities and Exchange CommissionSecured Overnight Financing RateU.S. Department of the Treasury 2019 Incentive PlanACLAFXAMERIBORAOCIASCASUATMBaaSBasel III RuleBHCACBLRCFPBCISACRACRA ProposalCRECRE GuidanceDFPRDIFExchange ActFASBFDICFederal ReserveFHAFHLBFinTechFOMCFRBGAAPGreenSkyIllinois CRALendingPointLGDMidland TrustNasdaqNII at RiskOREOPCAOBPCDPDQ-FactorRegulatory Relief ActSBASECSOFRTreasury MIDLA