Total Assets
$6.5B
Total balance-sheet footings
FDIC Cert #1040 · Effingham, Illinois · Est. 1881
Midland States Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $6.5B
- Total assets
- C
- Health grade · Fair
- -1.62%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
Midland States Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 13.05% Tier 1, -1.62% ROA, 66% efficiency ratio.
- #235
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 13.05%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Midland States Bank's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Midland States Bank's composite health score
Tier 1 Capital Ratio (13.05%) 35/40
Return on Assets (ROA) (-1.62%) 0/25
Texas Ratio (9.64%) 16/20
Efficiency Ratio (66.43%) 8/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.4B
Customer-funded liabilities
Net Loans
$4.3B
Outstanding loan book
Net Income
$-114,457K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Midland States Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Midland States Bank's score of 59/100 falls in the highlighted band.
Midland States Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Midland States Bank's $6.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.05%
Texas Ratio
9.64%
Equity Capital
$610M
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.62%
Return on Equity (ROE)
-17.07%
Efficiency Ratio
66.43%
What the numbers say about Midland States Bank
Midland States Bank is an FDIC-insured institution (Certificate #1040) headquartered in Effingham, Illinois, established in 1881. It holds $6.5B in total assets - 235th of 4,313 FDIC-insured banks, $5.4B in customer deposits, and $4.3B in net loans. On safety, its Tier 1 capital ratio of 13.05% is above the 10% well-capitalized threshold, and its Texas Ratio of 9.64% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (59/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Midland States Bank's asset base places it among the largest FDIC-insured institutions in the country, 235th of 4,313 nationally, and 11th of 330 banks headquartered in Illinois. Only Old Second National Bank ($6.9B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$388M
Interest Income
$87M
Non-Interest Income
$378M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Midland States Bank reports a Texas Ratio of 9.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Midland States Bank
Midland States Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-114,457K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Midland States Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Midland States Bank (FDIC Cert #1040) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Midland States Bank's health grade?▼
Midland States Bank receives a health grade of C (59/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Midland States Bank?▼
Midland States Bank holds $6.5B in total assets and $5.4B in deposits, ranking 235th of 4,313 FDIC-insured banks by asset size. It is headquartered in Effingham, Illinois.
Is my money safe at Midland States Bank?▼
Yes, deposits at Midland States Bank (Certificate #1040) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Midland States Bank's Tier 1 Capital Ratio?▼
Midland States Bank has a Tier 1 Capital Ratio of 13.05%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Midland States Bank?▼
Midland States Bank has a Texas Ratio of 9.64%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Midland States Bank?▼
Midland States Bank has an Efficiency Ratio of 66.43%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Midland States Bank's profile as a depositor or analyst.
- Midland States Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Midland States Bank against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.