Midland States Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 15.15 percentage points in Q2 2026, from 276.02% to 260.87%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midland States Bank is 175th of 323 on loan-to-deposit ratio, 74.33% as of Q2 2026, below the middle of the field. Midland States Bank reported 74.33% on loan-to-deposit ratio for Q2 2026, 13.87 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.25B |
| Net loans and leases | $4.19B |
| Loans held for sale | $8.9M |
| Loans to total assets | 63.55% |
| Loan-to-deposit ratio | 74.33% |
| Net loans to equity capital | 6.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.17% |
| Multifamily (5+ residential) | 8.98% |
| Commercial and industrial | 19.81% |
| Consumer | 1.61% |
| Credit cards | 0.00% |
| Farm | 1.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.64% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 260.87% |
| Construction concentration (Tier 1 capital + allowance) | 33.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.30% |
| Interest income on loans | $66.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $6.29B | $6.41B | 32.15% | 21.20% | 15.10% |
| Q4 2023 | $6.13B | $6.32B | 32.66% | 21.01% | 14.14% |
| Q1 2024 | $5.96B | $6.33B | 33.23% | 20.01% | 13.01% |
| Q2 2024 | $5.83B | $6.12B | 34.21% | 20.30% | 11.41% |
| Q3 2024 | $5.74B | $6.26B | 35.22% | 20.52% | 10.26% |
| Q4 2024 | $5.51B | $6.20B | 36.44% | 21.01% | 7.84% |
| Q1 2025 | $5.31B | $5.94B | 37.24% | 20.12% | 7.10% |
| Q2 2025 | $5.07B | $5.96B | 36.22% | 21.91% | 1.85% |
| Q3 2025 | $4.88B | $5.61B | 37.41% | 21.73% | 1.60% |
| Q4 2025 | $4.36B | $5.43B | 42.11% | 17.63% | 1.67% |
| Q1 2026 | $4.35B | $5.45B | 42.01% | 18.79% | 1.56% |
| Q2 2026 | $4.25B | $5.72B | 42.17% | 19.81% | 1.61% |
Midland States Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland States Bank, freeSource: Call Report Schedule RC-C, 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)