Midland States Bank (FDIC #1040): Bank Stress & Real-Estate Credit Exposure
Midland States Bank (FDIC Cert #1040): bank stress 69/100, elevated, STABLE over 7 days; parent MIDLAND STATES BCORP INC.
Midland States Bank (#1040) lends in 23 counties across 2 states; Midland States Bank (#1040) reaches 464 ZIP codes: Illinois 18 counties, 345 ZIPs; Missouri 5 counties, 119 ZIPs.
Midland States Bank (#1040) largest markets: St. Louis County, MO (329 branches, 47 ZIPs) (#1040), Will County, IL (180 branches, 45 ZIPs) (#1040), Champaign County, IL (35 branches, 35 ZIPs) (#1040), St. Clair County, IL (34 branches, 34 ZIPs) (#1040), Bureau County, IL (31 branches, 31 ZIPs) (#1040), St. Louis County, MO (30 branches, 30 ZIPs) (#1040).
Midland States Bank (#1040) reports $6.69 billion in total assets; Midland States Bank (#1040) equity $612.8 million (9.2% of Midland States Bank (#1040) assets); Midland States Bank (#1040) domestic deposits $5.72 billion; Midland States Bank (#1040) net income $40.2 million; Midland States Bank (#1040) return on assets 1.22%; Midland States Bank (#1040) return on equity 13.18%; Midland States Bank (#1040) net interest income $119.7 million; Midland States Bank (#1040) call report June 30, 2026.
Midland States Bank (#1040) noncurrent real-estate loans 0.83% of its book; Midland States Bank (#1040) multifamily 4.92%; Midland States Bank (#1040) residential 0.32%; Midland States Bank (#1040) net charge-offs on real estate 1.55%; Midland States Bank (#1040) multifamily charge-offs 1.74%; Midland States Bank (#1040) residential charge-offs 1.72%.
Midland States Bank (#1040) net interest margin 4.01% against an eight-quarter Midland States Bank (#1040) average of 3.77% (Midland States Bank (#1040) compression -0.24 points); Midland States Bank (#1040) real-estate loans 83.2% of equity; Midland States Bank (#1040) non-residential real estate 171.7% of equity; Midland States Bank (#1040) rate-exposure score 40/100, Midland States Bank (#1040) fixed-rate trap 40/100; Midland States Bank (#1040) risk type credit driven; Midland States Bank (#1040) rate regime rates elevated, Midland States Bank (#1040) snapshot October 20, 2026.
Midland States Bank (#1040) stress score moved from 68 on June 22, 2026 to 69.1 on October 20, 2026; Midland States Bank (#1040) ranged 68 to 69.1 over 117 snapshots.
Midland States Bank (#1040) alerts: 22 counties; top Midland States Bank (#1040) alert scores: Effingham County, IL 48 (moderate); Champaign County, IL 40 (moderate); Arnold County, IL 24 (low); Belvidere County, IL 24 (low); Centralia County, IL 24 (low).