MIDLAND STATES BANK is aln large FDIC-insured commercial bank headquartered in EFFINGHAM, IL, established in Jan. 1, 1881, midnight. As of 2025-12-31, the bank reported total assets of $6.5B and total deposits of $5.4B. Profitability stands at -0.10% ROA and -1.13% ROE, with a net interest margin of 3.89%. The bank's CET1 capital ratio is 13.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.40% and a Texas Ratio of 9.06%. FDIC Certificate #1040.
Assets
$6.5B
Deposits
$5.4B
Loans
$4.4B
Equity
$610M
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