Midland States Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.85 percentage points lower than in Q1 2026, at 60.19%. Midland States Bank ranks 143rd of 323 Illinois banks on return on assets, in the upper half at 1.26% (Q2 2026). At 1.26%, Midland States Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.59% |
| Tier 1 risk-based capital ratio | 13.59% |
| Total risk-based capital ratio | 14.84% |
| Tier 1 leverage ratio | 10.08% |
| Equity capital to assets | 9.16% |
| Tangible equity to tangible assets | 8.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.44% |
| Non-performing assets ratio | 1.56% |
| Net charge-off ratio | 1.18% |
| Texas ratio | 16.32% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 60.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 13.72% |
| Net interest margin | 3.99% |
| Efficiency ratio | 59.20% |
| Yield on earning assets | 5.76% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.33% |
| Core deposits to total deposits | 97.23% |
| Brokered deposits to total deposits | 0.44% |
| Deposits to assets | 85.49% |
| Securities to assets | 24.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.13% | 10.21% | 0.97% |
| Q4 2023 | 11.44% | 11.44% | 12.40% | 10.18% | 0.78% |
| Q1 2024 | 11.62% | 11.62% | 12.77% | 10.33% | 0.81% |
| Q2 2024 | 11.06% | 11.06% | 12.33% | 9.62% | 1.84% |
| Q3 2024 | 11.46% | 11.46% | 12.72% | 9.85% | 1.04% |
| Q4 2024 | 11.18% | 11.18% | 12.43% | 9.38% | -1.48% |
| Q1 2025 | 11.57% | 11.57% | 12.83% | 9.45% | -7.35% |
| Q2 2025 | 12.49% | 12.49% | 13.74% | 9.92% | 0.78% |
| Q3 2025 | 12.08% | 12.08% | 13.34% | 9.57% | 0.71% |
| Q4 2025 | 13.05% | 13.05% | 14.30% | 9.65% | -0.10% |
| Q1 2026 | 13.17% | 13.17% | 14.42% | 10.10% | 1.18% |
| Q2 2026 | 13.59% | 13.59% | 14.84% | 10.08% | 1.26% |
Midland States Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Midland States Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)