Midland States Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Midland States Bank of Effingham, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.26% | 1.44% | -0.18% | 49th below |
| ROAE | 13.72% | 12.50% | +1.22% | 60th above |
| Net Interest Margin | 3.99% | 3.84% | +0.15% | 68th above |
| Efficiency Ratio | 59.20% | 58.87% | +0.33% | 48th below |
| PPNR / Avg Assets | 2.03% | 1.78% | +0.25% | 70th above |
| Yield on Earning Assets | 5.76% | 5.71% | +0.05% | 64th above |
| Cost of Funds | 1.87% | 2.03% | -0.16% | 58th above |
| Net Interest Spread | 3.54% | 3.18% | +0.36% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.44% | 0.96% | +1.48% | 8th bottom |
| NPA / Total Assets | 1.56% | 0.75% | +0.81% | 11th bottom |
| NCO / Avg Loans | 1.18% | 0.30% | +0.88% | 4th bottom |
| ACL / Total Loans | 1.47% | 1.25% | +0.22% | 85th top |
| ACL / NPLs (Coverage) | 60.19% | 699.55% | -639.36% | 13th bottom |
| Texas Ratio | 16.32% | 7.15% | +9.17% | 10th bottom |
| Provision / NCO | 65.13% | 815.52% | -750.39% | 23rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.59% | 17.41% | -3.82% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.59% | 17.45% | -3.86% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.84% | 18.50% | -3.66% | 54th above |
| Leverage Ratio | 10.08% | 11.60% | -1.52% | 39th below |
| Equity / Assets | 9.16% | 11.33% | -2.17% | 25th below |
| TCE / Tangible Assets | 8.94% | 10.65% | -1.71% | 31st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 74.33% | 86.36% | -12.03% | 80th top |
| Core Deposit Ratio | 97.23% | 85.54% | +11.69% | 94th top |
| Uninsured Deposit Ratio | 22.73% | 32.72% | -9.99% | 78th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.19% | 5.45% | -1.26% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.70% | 10.47% | -16.17% | 3rd bottom |
| Loan Growth (Y/Y) | -16.16% | 8.02% | -24.18% | 1st bottom |
| Deposit Growth (Y/Y) | -3.93% | 7.99% | -11.92% | 6th bottom |
See Midland States Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Midland States Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Midland States Bank profile, how to read a UBPR, or how this data updates.