Midland States Bank/$MSBI

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About Midland States Bank

Midland States Bancorp Inc is a diversified financial holding company. The company provides a full range of commercial and consumer banking products and services, business equipment financing, merchant credit card services, trust and investment management, and insurance and financial planning services. The Banking segment, which generates the majority of the revenue, provides financial products and services to consumers and businesses, including commercial, commercial real estate, mortgage, and other consumer loan products; commercial equipment financing, etc. The Wealth Management segment consists of trust and fiduciary services, brokerage, and retirement planning services. The Corporate segment includes the holding company's financing and investment activities, administrative expenses.
Ticker
$MSBI
Sector
Finance
Primary listing
NASDAQ
Employees
850
Headquarters
Effingham, United States
Website
www.midlandsb.com

MSBI Metrics

BasicAdvanced
$682M
21.45
$1.53
0.64
$1.29
4.01%

Bulls say / Bears say

Profitability is recovering. Q2 earnings available to common shareholders rose to $17.7 million, or $0.82 a share, from $9.8 million a year earlier, while net interest margin widened to 3.98%. (GlobeNewswire, StockTitan)
Funding and capital trends have improved. Deposits increased by $267.2 million in Q2 as Midland reduced reliance on brokered deposits, while its common equity Tier 1 ratio rose to 10.4% and it continued repurchasing shares. (GlobeNewswire, StockTitan)
The strategic shift towards simpler, fee-generating businesses is showing early signs of progress. Wealth management produced record Q2 revenue of $8.8 million and assets under administration reached $4.78 billion, while non-core loan runoff is reducing exposure to legacy portfolios. (StockTitan, StockTitan)
Credit losses remain a material risk. Non-performing loans edged up to 1.43% of loans in Q2, while net charge-offs reached $12.5 million, including an $8.6 million loss on a commercial real-estate relationship. (GlobeNewswire, StockTitan)
Overall loan growth is still weak. Total loans fell by $94.9 million in Q2 because specialty-finance and non-core runoff more than offset community-bank growth, which was only 0.7% on an annualised basis. (GlobeNewswire, StockTitan)
The rebound in reported earnings is partly flattered by last year's goodwill impairment charge. In the first half of 2026, net interest income was broadly similar to the prior year, while lower expenses were helped by the absence of that exceptional charge. (StockTitan, Last10K)
Data summarised monthly by Lightyear AI. Last updated on 20 Sept 2026.

Funds containing MSBI

Funds
Fund name
Fund size
$MSBI weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.02%
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