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Midland States Bank
Effingham, IL·FDIC Cert #1040·Charter: STATE·Est. 18810101.0·HC: MIDLAND STATES BCORP INC
Total Assets
$6.5B
Q4 2025
Return on Assets
-1.62%
+0.47%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
66.43%
Peer avg: 57.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
43
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
-1.62%+0.47
ROE
-17.07%+4.86
Efficiency
66.43%+7.45
Equity/Assets
0.00%+0.00
NPL Ratio
1.53%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.03%-6.07
Charge-offs
2.04%+0.52
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.3 | 1.4 | 1.3 | 0.6 | -7.5 | -3.4 | -2.1 | -1.6 |
| ROE | 12.1 | 12.7 | 11.6 | 5.3 | -76.2 | -35.4 | -21.9 | -17.1 |
| Efficiency | 47.2 | 50.0 | 50.4 | 52.7 | 61.0 | 59.3 | 59.0 | 66.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.8 | 2.0 | 2.1 | 2.8 | 2.8 | 1.6 | 1.4 | 1.5 |
| Charge-offs | 1.2 | 1.1 | 1.2 | 2.9 | 1.2 | 1.8 | 1.5 | 2.0 |
| Loan/Deposit | 91.3 | 92.7 | 89.2 | 87.1 | 87.5 | 83.6 | 85.1 | 79.0 |
Balance Sheet
Total Assets$6.5B
Total Deposits$5.4B
Total Loans$4.3B
Total Equity$610.2M
Profitability
ROA-1.62%
ROE-17.07%
Efficiency Ratio66.43%
Net Income$-114.5M
Risk & Asset Quality
NPL Ratio1.53%
Charge-off Rate2.04%
Loan/Deposit79.03%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans