Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 10.1. A current level of 11.2 percent of nonperforming loans to core capital combined with 16.3 percent from a year earlier contributes to the Fair asset quality (4.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 21.3 percent and a “hot money” ratio of 6.3 percent.
Asset Mix:
Comm re (27%), securities (25%), comm loans (13%), home mtgs (5%), cash (4%), consumer loans (1%), home eq lns (1%), other (25%)
States with Branches:
IL, MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Midland States Bancorp, Inc.
Investment Rating
Address
1201 Network Centre Drive
Effingham, IL 62401
Effingham, IL 62401
Phone Number
(217) 342-2141
Year Founded
1881
FDIC Number
Website
Largest Affiliates
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