Midland States Bank: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
Modified loans and leases climbed 8.6% in Q2 2026, from $42.7M to $46.4M. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $46.4M |
| Modified loans to total loans | 1.09% |
| Non-performing assets excluding restructured loans, to assets | 0.86% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 2.44% |
| Nonaccrual loans to loans | 1.35% |
| Loans 90+ days past due to loans | 0.08% |
| Net charge-off ratio | 1.18% |
| Allowance for credit losses to loans | 1.47% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.00% | 0.88% | 0.24% |
| Q4 2023 | 0.01% | 0.92% | 0.36% |
| Q1 2024 | 0.02% | 1.52% | 0.32% |
| Q2 2024 | 0.03% | 1.93% | 2.03% |
| Q3 2024 | 0.22% | 2.14% | 1.66% |
| Q4 2024 | 1.74% | 4.29% | 8.57% |
| Q1 2025 | 0.70% | 3.33% | 1.35% |
| Q2 2025 | 0.60% | 2.11% | 2.48% |
| Q3 2025 | 0.65% | 1.97% | 1.06% |
| Q4 2025 | 0.50% | 1.90% | 3.89% |
| Q1 2026 | 0.98% | 2.23% | 0.64% |
| Q2 2026 | 1.09% | 2.44% | 1.18% |
Midland States Bank loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland States Bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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)