Midland States Bancorp, Inc. MSBI

MSBI Company Overview

Midland States Bancorp, Inc. (“MSBI”) is a U.S.-based financial holding company headquartered in Effingham, Illinois, operating primarily through its wholly owned banking subsidiary, Midland States Bank. The company provides a broad range of commercial and consumer banking products, wealth management services, treasury management solutions, and specialized lending products. MSBI operates within the regional banking industry and derives most of its revenue from net interest income generated through commercial, consumer, and real estate lending activities, supplemented by fee-based services such as wealth management, mortgage banking, and equipment financing.

The company’s core business lines include commercial banking, community banking, commercial real estate lending, equipment financing, healthcare lending, and fiduciary and wealth management services. Midland States Bancorp primarily serves small-to-medium-sized businesses, professionals, municipalities, and retail banking customers across the Midwest and other targeted U.S. markets. Its strategic positioning has historically emphasized relationship banking combined with specialized national lending verticals, including equipment finance and healthcare finance. Midland traces its roots to 1881 through predecessor institutions and expanded significantly through acquisitions and branch consolidation strategies over the past two decades, including multiple community bank acquisitions that strengthened its Midwest footprint.