)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Midland States Bancorp (MSBI) investor relations material
Midland States Bancorp Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $12.0M ($0.44 per diluted share), rebounding from a Q1 net loss due to a $154.0M goodwill impairment; year-to-date net loss was $129.0M.
Tangible book value per share rose to $20.68, with all capital ratios improving sequentially.
Community bank loans grew 1.8% quarter-over-quarter, and five new commercial bankers were added.
Total assets decreased to $7.11B at June 30, 2025, from $7.51B at year-end 2024.
Nonperforming assets to total assets improved to 1.56% from 2.08% sequentially.
Financial highlights
Net interest income for Q2 2025 was $58.7M, with net interest margin expanding to 3.56% (up 7 bps sequentially).
Pre-provision net revenue was $32.2M, up 19% from the previous quarter.
Provision for credit losses was $17.4M, with $29.9M in charge-offs; allowance for credit losses at 1.83% of total loans.
Noninterest income was $23.5M, down year-over-year due to lower credit enhancement income.
Noninterest expense for the six months ended June 30, 2025, was $253.0M, up from $99.4M, mainly due to goodwill impairment.
Outlook and guidance
Management expects further profitability improvement in 2025, supported by higher net interest margin and reduced credit risk.
Focus remains on growing regulatory capital, efficiency, and improving credit quality.
Ongoing pressure on noninterest income is expected due to the cessation of certain third-party loan programs.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Midland States Bancorp earnings date
Q3 202530 Oct, 2025
Next Midland States Bancorp earnings date
Q3 202530 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Midland States Bancorp Inc. is a bank holding company that operates through its subsidiary, Midland States Bank, providing a range of financial services to individuals, businesses, and government entities. The company offers commercial and consumer banking products, including business loans, mortgages, deposit accounts, treasury management, and wealth management services. It also provides equipment financing and other specialized lending solutions. Midland States Bancorp serves customers primarily in the Midwest through a network of branches and digital banking platforms. The company is headquartered in Effingham, Illinois, and its shares are listed on the NASDAQ.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage