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Midland States Bank Locations & Branches Effingham, Illinois
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Midland States Bank operates 58 branches from its headquarters in Effingham, IL, .
Midland States Bank branch network
Its 58 branches span 2 states and 41 cities. The most are in ILLINOIS (46) and MISSOURI (12). ILLINOIS holds 83.5% of its branch deposits. Saint Louis, MO has the most of its branches, 7. Its largest office by deposits is the Effingham Main Branch office in Effingham, IL, with $818.0M (14.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Midland States Bank at a glance
Its CET1 capital ratio was 13.59% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $6.69B
- CET1 ratio, Q2 2026
- 13.59%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1881
Full financial profile · Is Midland States Bank safe? · Midland States Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Effingham, IL (3 branches) | 1 of 9 | 40.9% | $822.9M |
| State: IL (46 branches) | 23 of 379 | 0.6% | $4.78B |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Midland States Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Winnebago, IL (8 branches) | 3 of 18 | 11.6% | $953.6M | $8.21B |
| Kankakee, IL (8 branches) | 1 of 13 | 31.7% | $899.6M | $2.84B |
| Effingham, IL (3 branches) | 1 of 11 | 31.9% | $822.9M | $2.58B |
| St. Charles, MO (2 branches) | 4 of 35 | 5.6% | $558.9M | $9.96B |
| Lasalle, IL (4 branches) | 3 of 22 | 8.1% | $332.3M | $4.10B |
| Will, IL (4 branches) | 11 of 34 | 1.3% | $305.3M | $23.33B |
| St. Louis, MO (7 branches) | 30 of 55 | 0.6% | $283.2M | $48.49B |
| Boone, IL (2 branches) | 1 of 8 | 28.6% | $238.6M | $835.0M |
| Whiteside, IL (2 branches) | 4 of 13 | 11.0% | $225.8M | $2.05B |
| Lee, IL (1 branch) | 2 of 10 | 23.8% | $200.6M | $842.9M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Rockford, IL (10 branches) | 2 of 21 | 13.2% | $1.19B | $9.04B |
| St. Louis, MO-IL (17 branches) | 20 of 111 | 0.8% | $1.11B | $141.72B |
| Kankakee, IL (8 branches) | 1 of 13 | 31.7% | $899.6M | $2.84B |
| Effingham, IL (3 branches) | 1 of 11 | 31.9% | $822.9M | $2.58B |
| Chicago-Naperville-Elgin, IL-IN-WI (7 branches) | 66 of 150 | <0.1% | $543.7M | $632.03B |
| Ottawa, IL (5 branches) | 3 of 26 | 8.7% | $485.3M | $5.55B |
| Sterling, IL (2 branches) | 4 of 13 | 11.0% | $225.8M | $2.05B |
| Dixon, IL (1 branch) | 2 of 10 | 23.8% | $200.6M | $842.9M |
| Centralia, IL (1 branch) | 5 of 12 | 7.4% | $79.0M | $1.06B |
| Champaign-Urbana, IL (1 branch) | 20 of 29 | 0.9% | $75.3M | $8.20B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Effingham Main Branch | Effingham, IL | 62401 | $818.0M |
| St. Charles Branch | Saint Charles, MO | 63304 | $534.4M |
| Rockford Facility | Rockford, IL | 61108 | $375.6M |
| Rockford Alpine Branch | Rockford, IL | 61107 | $251.0M |
| Kankakee Branch | Kankakee, IL | 60901 | $249.5M |
| North Branch | Dixon, IL | 61021 | $200.6M |
| New Sterling Branch | Sterling, IL | 61081 | $182.5M |
| Belvidere Office | Belvidere, IL | 61008 | $178.9M |
| 980 North Bradley Boulevard Office Branch | Bradley, IL | 60915 | $159.7M |
| Streator Main Branch | Streator, IL | 61364 | $157.4M |
| Manteno Branch | Manteno, IL | 60950 | $153.2M |
| Princeton Branch | Princeton, IL | 61356 | $152.9M |
| Joliet Il Branch | Joliet, IL | 60431 | $138.4M |
| Bourbonnais Branch | Bourbonnais, IL | 60914 | $117.2M |
| Machesney Facility | Machesney Park, IL | 61115 | $108.8M |
| Diamond Connection Facility | Diamond, IL | 60416 | $104.5M |
| Clayton Branch | Saint Louis, MO | 63105 | $103.6M |
| Cherry Valley Branch | Rockford, IL | 61112 | $90.1M |
| Grant Park Branch | Grant Park, IL | 60940 | $90.0M |
| Beecher Banking Center Branch | Beecher, IL | 60401 | $89.6M |
| East Veterans Parkway Branch | Yorkville, IL | 60560 | $82.3M |
| Centralia Branch | Centralia, IL | 62801 | $79.0M |
| Champaign Branch | Champaign, IL | 61821 | $75.3M |
| North Peru Branch | Peru, IL | 61354 | $70.4M |
| TriumphOttawa Branch | Ottawa, IL | 61350 | $69.2M |
| Waterloo North Branch | Waterloo, IL | 62298 | $66.1M |
| Sunset Hills Branch | Saint Louis, MO | 63126 | $65.6M |
| Mokena Branch | Mokena, IL | 60448 | $62.9M |
| Gateway Center Branch | Belvidere, IL | 61008 | $59.7M |
| Roscoe Branch | Roscoe, IL | 61073 | $57.6M |
| Rock Hill Branch | Saint Louis, MO | 63119 | $54.8M |
| Springcreek Branch | Rockford, IL | 61107 | $52.8M |
| Smithton Branch | Smithton, IL | 62285 | $52.6M |
| Sandwich Branch | Sandwich, IL | 60548 | $51.5M |
| Momence Branch | Momence, IL | 60954 | $47.9M |
| Arnold Branch | Arnold, MO | 63010 | $46.3M |
| Bourbonnais Branch | Bourbonnais, IL | 60914 | $44.6M |
| Rock Falls Center Facility | Rock Falls, IL | 61071 | $43.3M |
| Town & Country Branch | Saint Louis, MO | 63131 | $38.4M |
| Herscher Branch | Herscher, IL | 60941 | $37.6M |
| Mendota Branch | Mendota, IL | 61342 | $35.4M |
| St. Clair Branch | St. Clair, MO | 63077 | $33.5M |
| Farina Branch | Farina, IL | 62838 | $29.2M |
| Greenville Branch | Greenville, IL | 62246 | $27.3M |
| Vandalia Branch | Vandalia, IL | 62471 | $26.8M |
| Dwight Branch | Dwight, IL | 60420 | $26.1M |
| Columbia Branch | Columbia, IL | 62236 | $25.1M |
| O'Fallon Branch | O Fallon, MO | 63368 | $24.5M |
| Manchester Avenue Branch | Saint Louis, MO | 63110 | $21.7M |
| North Main Branch | Rockford, IL | 61103 | $17.7M |
| Ladue Branch | Saint Louis, MO | 63124 | $17.6M |
| Joliet Chicago Street Branch | Joliet, IL | 60432 | $14.4M |
| Sba and Internet Banking Branch | Effingham, IL | 62401 | $4.9M |
| Jennings Branch | Jennings, MO | 63136 | $3.2M |
| Midland States Bank (main office) | Effingham, IL | 62401 | $0 |
| Central Avenue Branch | Saint Louis, MO | 63105 | $0 |
| Mill Road Branch | Rockford, IL | 61107 | $0 |
| Waterloo Drive-Up Branch | Waterloo, IL | 62298 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1040) · FFIEC NIC profile (RSSD 773247)