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Midland States Bank
Effingham, IL · FDIC Certificate #1040 · Chartered 01/0
Total assets
$6.69B
Total deposits
$5.72B
Total equity
$612.82M
Net loans
$4.19B
Branches (offices)
58
Net income (YTD)
$40.17M
Rank: #232 of 4,213 U.S. banks by assets · #13 of 322 in Illinois. Assets changed -5.7% and deposits -3.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.22% |
| Return on equity | 13.18% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 9.16% |
| Tier 1 leverage ratio | 10.08% |
| Uninsured deposits (share of deposits) | 22.7% |
| Noncurrent loans (share of loans) | 1.43% |
| Net charge-offs (share of loans) | 0.89% |
| Loans to deposits | 73.2% |
| Real estate loans (share of loans) | 69.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.89B | 69.1% | |
| Commercial & industrial | $842.26M | 20.1% | |
| Consumer / individual | $68.55M | 1.6% | |
| Construction & development | $243.84M | 5.8% | |
| Agricultural | $39.19M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $7.37B | $6.22B | $48.62M | $721.92M |
| Jun 2023 | $7.95B | $6.43B | $34.48M | $806.48M |
| Jun 2024 | $7.70B | $6.12B | $52.36M | $832.81M |
| Jun 2025 | $7.10B | $5.96B | -$125.12M | $659.93M |
| Jun 2026 | $6.69B | $5.72B | $40.17M | $612.82M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $4.78B | 46 |
| Missouri | $943.51M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $5.72B.
Similar-sized banks
Alpine Bank ($6.69B) · First Bank ($6.65B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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