BlastPoint's Banking Scorecard

Midland States Bank

$1B-$10B Specialty: Commercial IL FDIC cert 1040

Designations: ✓ Community bank

Effingham, IL

60 branches across IL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits -3.9% year over year ($5.7B on the books).
Delinquency rate 1.45%.
Return on assets 1.22%.
Efficiency ratio 59.79% vs a 59.73% peer average.
Loan-to-deposit ratio 73.24% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Midland States Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 46.9% in tier
+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 17.6% in tier
- ROA 0.17% below tier average
- Efficiency Ratio 0.07% above tier average
- Delinquency Rate 0.59% above tier average

Get updates when Midland States Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$6.7B -5.7% YoY +2.3% QoQ	+$3.9B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 7.9% in tier
Total Loans ?	$4.2B -15.9% YoY -2.0% QoQ	+$2.2B	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 11.2% in tier
Total Deposits ?	$5.7B -3.9% YoY +5.0% QoQ	+$3.4B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 6.7% in tier
Return on Assets ?	1.22% +135.6% YoY +3.2% QoQ	-0.17%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	4.01% +8.3% YoY +0.9% QoQ	+0.14%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	59.79% +0.8% YoY -0.8% QoQ	+0.07%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	1.45% -9.7% YoY +5.7% QoQ	+0.59%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	73.24% -12.4% YoY -6.7% QoQ	-11.80%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	80%
Non-Interest-Bearing Deposit Share ?	17.90% -1.5% YoY -4.8% QoQ	-3.37%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.92% -19.3% YoY +0.9% QoQ	+0.24%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	25%
Tier 1 Capital Ratio ?	13.59% +8.8% YoY +3.2% QoQ	-1.25%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.70% +21.4% YoY +93.5% QoQ	+0.18%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 11.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	17.9% -0.3pp YoY -0.9pp QoQ	-3.5pp	21.4%	20.1%	22.2%	39%
Brokered Deposits	0.4% -3.7pp YoY -1.9pp QoQ	-9.0pp	9.5%	8.0%	8.5%	11%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	20.1% -2.2pp YoY +1.0pp QoQ	+6.1pp	14.0%	14.7%	12.5%	81%
CRE	57.7% +6.8pp YoY -0.2pp QoQ	+7.7pp	50.0%	37.9%	41.4%	70%
1-4 Family	9.9% +1.2pp YoY +0.4pp QoQ	-16.5pp	26.4%	28.3%	31.3%	16%
Consumer	1.6% -0.2pp YoY +0.1pp QoQ	-3.1pp	4.7%	5.4%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.6% +1.1pp YoY +0.4pp QoQ	-2.0pp	15.6%	19.9%	19.7%	51%
Leverage Ratio	10.1% +0.2pp YoY 0.0pp QoQ	-1.2pp	11.3%	12.2%	12.6%	39%
Total Capital Ratio	14.8% +1.1pp YoY +0.4pp QoQ	-1.9pp	16.7%	20.9%	20.8%	53%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	782 -75 (-8.8%) YoY -50 (-6.0%) QoQ	+468	313	228	482	94%
Assets per Employee ($)	$8.6M +3.3% YoY +8.9% QoQ	-$1.9M	$10.5M	$8.3M	$8.8M	48%
Branch Count	60 0 YoY 0 QoQ	+40	20	10	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	74%
Nonaccrual	1.4% -0.2pp YoY +0.1pp QoQ	+0.5pp	0.8%	1.1%	1.0%	83%
Allowance Coverage	1.03x -11.2% YoY -11.1% QoQ	-17.68x	18.71x	5.62x	20.23x	25%
Net Charge-off Rate (YTD)	0.9% -0.9pp YoY +0.3pp QoQ	+0.6pp	0.3%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.2% +48.6pp YoY +0.5pp QoQ	+0.6pp	12.6%	10.5%	11.6%	59%
Cost of Funds (YTD)	1.8% -0.5pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	45%
Net Income ($, YTD)	$40.2M +132.1% YoY — QoQ	+$20.9M	$19.2M	$11.7M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#105 of 222 • Top 46.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.70%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.22%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Deposit Outflow

decline

#24 of 131 • Bottom 17.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Total Deposits

size

Value: $5.72B

Peer Median: $2.32B

#60 of 885 Top 6.7% in $1B-$10B

Total Assets

size

Value: $6.69B

Peer Median: $2.79B

#71 of 885 Top 7.9% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 0.53%

#98 of 885 Top 11.0% in $1B-$10B

100

Total Loans

size

Value: $4.19B

Peer Median: $1.96B

#100 of 885 Top 11.2% in $1B-$10B

182

Loan-to-Deposit Ratio

liquidity

Value: 73.24%

Peer Median: 85.04%

#182 of 885 Top 20.5% in $1B-$10B

Top Weaknesses (2 metrics)

730

Delinquency Rate

credit_quality

Value: 1.45%

Peer Median: 0.87%

#730 of 882 Bottom 17.3% in $1B-$10B

669

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.67%

#669 of 885 Bottom 24.5% in $1B-$10B