What is Midland States Bank's financial health grade?

Midland States Bank has a TFS Financial Health Grade of F (score: 52.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Midland States Bank have?

Midland States Bank has 60 branch locations across the United States.

Is Midland States Bank FDIC insured?

Yes, Midland States Bank is FDIC insured (Certificate #1040).

What are the total assets of Midland States Bank?

Midland States Bank has total assets of $6.5B as reported in its most recent FDIC filing.

Midland States Bank

BankEffingham, Illinois

www.midlandsb.com

Total Assets

$6.5B

Total Deposits

$5.4B

Branches

Established

1881

TFS Health Grade

52.0 / 100

Poor financial health

How we grade

Midland States Bank is a bank headquartered in Effingham, Illinois, established in 1881. With $6.5B in total assets and 60 branch locations, it has a TFS Financial Health Grade of F (52.0/100).

Capital & Safety

Tier 1 Capital Ratio

9.65%(8%)

Total Capital Ratio

14.30%(10%)

Non-Performing Loan Ratio

1.50%

Profitability

Return on Assets (ROA)

-1.62%(1%)

Return on Equity (ROE)

-17.07%(10%)

Net Interest Margin

3.84%

Efficiency Ratio

66.43%(60%)

Lending & Liquidity

Total Loans

$4.4B

Loan-to-Deposit Ratio

79.03%

Net Charge-Off Ratio

2.04%

Growth

Asset Growth (YoY)

-13.26%

Deposit Growth (YoY)

-12.47%

Net Income

$-114,457,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Midland States BankHQ	1201 Network Centre Dr	Effingham	IL	21
Midland States Bank	951 Dixie Hwy	Beecher	IL	11
Midland States Bank	600 S State St	Belvidere	IL	11
Midland States Bank	1988 Gateway Center Dr	Belvidere	IL	11
Midland States Bank	576 Latham Dr	Bourbonnais	IL	11
Midland States Bank	680 S Main St	Bourbonnais	IL	11
Midland States Bank	980 N Bradley Blvd	Bradley	IL	11
Midland States Bank	200 S Poplar St	Centralia	IL	11
Midland States Bank	1617 W Springfield Ave	Champaign	IL	11
Midland States Bank	200 Quarry Rd	Columbia	IL	11
Midland States Bank	1275 E Division St	Diamond	IL	11
Midland States Bank	212 N Hennepin Ave	Dixon	IL	11
Midland States Bank	302 W Mazon Ave	Dwight	IL	11
Midland States Bank	110 S 5th St	Effingham	IL	11
Midland States Bank	1201 Network Centre Dr	Effingham	IL	13
Midland States Bank	300 W Madison St	Farina	IL	11
Midland States Bank	119 N Main St	Grant Park	IL	11
Midland States Bank	318 W College Ave	Greenville	IL	11
Midland States Bank	654 N Park Rd	Herscher	IL	11
Midland States Bank	100 N Chicago St	Joliet	IL	11
Midland States Bank	1540 Route 59	Joliet	IL	11
Midland States Bank	255 E Station St	Kankakee	IL	11
Midland States Bank	613 Harlem Rd	Machesney Park	IL	11
Midland States Bank	303 Section Line Rd	Manteno	IL	11
Midland States Bank	609 8th Ave	Mendota	IL	11
Midland States Bank	11100 Front St	Mokena	IL	11
Midland States Bank	200 W Washington St	Momence	IL	11
Midland States Bank	400 E Etna Rd	Ottawa	IL	11
Midland States Bank	2825 Plaza Dr	Peru	IL	11
Midland States Bank	815 S Main St	Princeton	IL	11
Midland States Bank	941 1st Ave	Rock Falls	IL	11
Midland States Bank	1972 Pawlisch Dr	Rockford	IL	11
Midland States Bank	2218 N Mulford Rd	Rockford	IL	11
Midland States Bank	233 N Mill Rd	Rockford	IL	23
Midland States Bank	6838 E State St	Rockford	IL	11
Midland States Bank	1401 North Ave	Rockford	IL	11
Midland States Bank	1700 N Alpine Rd	Rockford	IL	11
Midland States Bank	1700 N Alpine Rd	Rockford	IL	27
Midland States Bank	5023 Rockrose Ct	Roscoe	IL	11
Midland States Bank	202 Indian Springs Dr	Sandwich	IL	11
Midland States Bank	514 S Main St	Smithton	IL	11
Midland States Bank	4400 E Lincolnway	Sterling	IL	11
Midland States Bank	3512 E Lincolnway	Sterling	IL	24
Midland States Bank	201 E Main St	Streator	IL	11
Midland States Bank	1611 Veterans Ave	Vandalia	IL	11
Midland States Bank	812 N Market St	Waterloo	IL	11
Midland States Bank	101 N Main St	Waterloo	IL	23
Midland States Bank	208 E Veterans Pkwy	Yorkville	IL	11
Midland States Bank	1920 Richardson Rd	Arnold	MO	11
Midland States Bank	8021 West Florissant Ave	Jennings	MO	11

Showing 50 of 60 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.