BlastPoint's Banking Scorecard
Midland States Bank
Designations: ✓ Community bank
Effingham, IL
60 branches across IL · MO
Midland States Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42.5% in tier
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 0.77% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 17.7% in tier
- - ROA 0.18% below tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.5B
-10.1% YoY
+0.6% QoQ
|
+$3.7B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 8.9% in tier |
| Total Loans ? |
$4.3B
-17.8% YoY
-0.3% QoQ
|
+$2.3B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Top 10.5% in tier |
| Total Deposits ? |
$5.5B
-8.3% YoY
+0.4% QoQ
|
+$3.1B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.6% in tier |
| Return on Assets ? |
1.18%
+115.7% YoY
+172.9% QoQ
|
-0.18% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.98%
+8.8% YoY
+3.4% QoQ
|
+0.16% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
60.29%
-1.2% YoY
-9.2% QoQ
|
-0.77% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
1.37%
-50.9% YoY
-9.9% QoQ
|
+0.49% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
78.48%
-10.3% YoY
-0.7% QoQ
|
-5.73% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
18.79%
+1.8% YoY
-2.4% QoQ
|
-2.50% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.91%
-56.0% YoY
-10.8% QoQ
|
+0.23% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.17%
+13.8% YoY
+0.9% QoQ
|
-1.99% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
+48.7% YoY
-72.9% QoQ
|
+0.11% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 10.2% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.