Midland States Bank
Effingham, IL · Owner: Midland States Bancorp, Inc.
$6.7B
total assets, June 30, 2026
$6.7B
total assets, June 30, 2026
Midland States Bank is a state member bank based in Effingham, IL, owned by Midland States Bancorp, Inc. (MSBI). As of June 30, 2026 it held $6.7 billion in assets and $5.7 billion in deposits; assets were down 5.7% from a year before. It has 58 branches in 2 states.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$6.7B
-5.7% in a year · +2.3% in a quarter
Deposits
$5.7B
-3.9% in a year · +5.0% in a quarter
Loans
$4.3B
-16.2% in a year · -2.1% in a quarter
Profit so far
$40.2M
Jan 1 to Jun 30, 2026
Capital ratio
10.08%
+0.16 pts in a year
Return on assets
1.22%
+4.65 pts in a year
Facts
- Type
- State member bank
- Head office
- 1201 Network Centre Dr, Effingham, IL, 62401
- County
- Effingham
- Holding company
- Midland States Bancorp, Inc. (MSBI)
- Established
- Jan 1, 1881
- Employees
- 782
- Branches
- 58 in 2 states
- Website
- www.midlandsb.com
- Id
- b1040
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
58 offices as of June 30, 2026, holding $5.7 billion in deposits
Branch map
Every branch, sized by its deposits
| Largest branches | Place | Deposits |
|---|---|---|
| Effingham Main Branch | Effingham, IL | $818M |
| St. Charles Branch | Saint Charles, MO | $534M |
| Rockford Facility | Rockford, IL | $376M |
| Rockford Alpine Branch | Rockford, IL | $251M |
| Kankakee Branch | Kankakee, IL | $249M |
| North Branch | Dixon, IL | $201M |
| New Sterling Branch | Sterling, IL | $183M |
| Belvidere Office | Belvidere, IL | $179M |
| 980 North Bradley Boulevard Office Branch | Bradley, IL | $160M |
| Streator Main Branch | Streator, IL | $157M |
Related pages
Questions and answers
How big is Midland States Bank?
$6.7 billion in total assets and $5.7 billion in deposits as of June 30, 2026, with assets down 5.7% from a year before. Its loans were $4.3 billion.
How many branches does Midland States Bank have?
58 branches in 2 states as of June 30, 2026. The most deposits are in Illinois ($4.8 billion).
Is Midland States Bank profitable?
Yes: it earned $40.2 million from January 1 to June 30, 2026. Its return on assets was 1.22% a year; about 1% is typical.
Who owns Midland States Bank?
Midland States Bank is owned by Midland States Bancorp, Inc., its holding company, which is listed as MSBI.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.