C
Midland States Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Midland States Bank
Effingham, IL
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Rating C
Asset Quality Index 3.40
Capitalization Index 8.00
Liquidity Index 3.80
Profitability Index 1.20
Stability Index 5.90
Company Info Midland States Bank
Effingham, IL
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FDIC Number 1040
Phone Number (217) 342-2141
Website www.midlandsb.com
Asset Quality Midland States Bank
Effingham, IL
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1-Year Asset Growth -13.26%
5-Year Asset Growth -1.04%
5-Year Charge-Offs to Average Loans 1.01%
Charge-Offs to Average Loans 2.03%
Non-Performing Assets to Assets 1.24%
Non-Performing Loans to Capital 10.19%
Non-Performing Loans to Loans 1.90%
Balance Sheet Midland States Bank
Effingham, IL
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Total Assets 6.50B
Total Deposits 5.43B
Capital and Reserves Midland States Bank
Effingham, IL
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Capital 610.25M
Leverage Ratio 9.65
Loan Loss Reserves to Loans 1.59%
Risk-Based Capital Ratio 14.30
Liquidity Midland States Bank
Effingham, IL
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Hot Money Ratio 7.10%
Liquidity Ratio 18.36%
Profitability Midland States Bank
Effingham, IL
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5-Year Return on Average Assets 0.90%
Net Income -114.46M
Net Interest Spread 3.71%
Operating Profit to Average Assets -1.47%
Overhead Efficiency Ratio 113.69%
Return on Assets -1.60%
Return on Equity -17.30%