Midland States Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 162.8% higher than in Q1 2026, at $298.7M. Midland States Bank ranks 175th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Midland States Bank sits 13.87 points lower, at 74.33% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $298.7M |
| Cash and noninterest-bearing balances to assets | 4.46% |
| Cash and securities | $1.96B |
| Fed funds sold and reverse repos | $503K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $7.6M |
| Other borrowed money | $272.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 4.07% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.33% |
| Net loans and leases to deposits | 73.24% |
| Loans and leases to core deposits | 76.11% |
| Core deposits to total deposits | 97.23% |
| Brokered deposits to total deposits | 0.44% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 98.13% | 93.35% | $18.0M | $565.0M |
| Q4 2023 | 97.12% | 93.84% | $34.9M | $506.0M |
| Q1 2024 | 94.22% | 92.28% | $214.4M | $290.0M |
| Q2 2024 | 95.26% | 93.18% | $7.2M | $635.0M |
| Q3 2024 | 91.60% | 90.89% | $13.8M | $452.0M |
| Q4 2024 | 88.87% | 89.68% | $12.5M | $357.5M |
| Q1 2025 | 89.29% | 91.27% | $10.2M | $552.5M |
| Q2 2025 | 85.18% | 93.21% | $8.7M | $369.5M |
| Q3 2025 | 86.90% | 94.24% | $14.8M | $533.0M |
| Q4 2025 | 80.30% | 96.63% | $10.2M | $365.0M |
| Q1 2026 | 79.72% | 95.16% | $8.4M | $397.5M |
| Q2 2026 | 74.33% | 97.23% | $7.6M | $272.5M |
Midland States Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland States Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Midland States Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1040) · FFIEC NIC profile (RSSD 773247)