Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.6 on a scale of 0 to 10). Excellent current capitalization (8.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 10.2.
Other Rating Factors:
A current level of 6.2 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (3.7) profitability.
Asset Mix:
Comm re (25%), comm loans (16%), securities (12%), consumer loans (11%), home mtgs (5%), cash (2%), home eq lns (1%), other (28%)
States with Branches:
IL, MO
Corporate Info
Midland States Bancorp, Inc.
1201 Network Centre Drive
Effingham, IL 62401
Effingham, IL 62401
(217) 342-2141
1881
Largest Affiliates
No affiliate information available.