BlastPoint's Banking Scorecard
Midland States Bank
Mid-Market
Specialty: Commercial
IL
FDIC cert 1040
Designations: ✓ Community bank
Effingham, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Midland States Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.79% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.5B
-13.3% YoY
-5.8% QoQ
|
-$4.0B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$4.3B
-20.6% YoY
-10.1% QoQ
|
-$2.8B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$5.4B
-12.5% YoY
-3.2% QoQ
|
-$3.1B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
-1.62%
-383.4% YoY
+22.4% QoQ
|
-2.79% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.84%
+7.3% YoY
+1.2% QoQ
|
+0.45% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
66.43%
+26.0% YoY
+12.6% QoQ
|
+9.82% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
1.53%
-45.4% YoY
+6.1% QoQ
|
+0.84% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
79.03%
-9.2% YoY
-7.1% QoQ
|
-6.44% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
19.25%
+12.5% YoY
+5.7% QoQ
|
-1.39% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.02%
-51.1% YoY
+1.5% QoQ
|
+0.52% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
13.05%
+16.7% YoY
+8.0% QoQ
|
-0.50% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.35%
-27.1% YoY
+52.0% QoQ
|
+0.39% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
-1.62%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.96%
71
71th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.40%
51
51th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 13.55%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 20.64%
29
29th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
29
29th pctile
Loan-to-Deposit Ratio
Current: 79.03% · Tier avg: 85.47%
26
26th pctile
Total Assets
Current: $6.5B · Tier avg: $10.5B
23
23th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
20
20th pctile
Efficiency Ratio
Current: 66.43% · Tier avg: 56.60%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.68%
0
0th pctile
Return on Assets
Current: -1.62% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -1.62% · Tier avg: 1.16%
12
12th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.68%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
20
20th pctile
Efficiency Ratio
Current: 66.43% · Tier avg: 56.60%
23
23th pctile
Total Loans
Current: $4.3B · Tier avg: $7.1B
26
26th pctile
Total Assets
Current: $6.5B · Tier avg: $10.5B
29
29th pctile
Loan-to-Deposit Ratio
Current: 79.03% · Tier avg: 85.47%
29
29th pctile
Total Deposits
Current: $5.4B · Tier avg: $8.5B
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.25% · Tier avg: 20.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 13.05% · Tier avg: 13.55%
71
71th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.40%
88
88th pctile
Non-Interest Income / Assets
Current: 1.35% · Tier avg: 0.96%