Midland States Bank

Midland States Bank of Effingham, IL, chartered 1881: 54 offices, $6.69bn in assets, a 10.08% leverage ratio. Straight from the federal record.

Midland States Bank is an FDIC-insured community bank headquartered in Effingham, IL, chartered in 1881. It is supervised by the Federal Reserve and held by Midland States Bcorp Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Midland States Bank has branches

54 full-service offices across 2 states:

• Illinois: 43 offices in 35 towns, holding $4.73bn at 30 June 2025
• Missouri: 11 offices in 6 towns, holding $1.23bn at 30 June 2025

Midland States Bank on its latest Call Report, 30 June 2026

• Total assets: $6.69bn
• Total deposits: $5.72bn
• Tier 1 leverage ratio: 10.08%
• Total risk-based capital ratio: 14.84%
• Noncurrent loans, as a share of loans: 1.43%
• Return on assets: 1.22%
• Net interest margin: 4.01%
• Staff: 782

Compare Midland States Bank against every other bank with a branch in Illinois, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.