Midland States Bank
Effingham, IL
IDRSSD: 773247
Total Assets
$6.50B
Latest filing
Total Deposits
$5.43B
Latest filing
Net Interest Margin
3.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Midland States Bank
1201 Network Centre Dr
Effingham, IL 62401
Limited Service - Administrative
Updated 01/30/2026Established 01/01/1881FDIC Certificate 693
Branches (59)
Page 1 of 9| Name | Address | City / State |
|---|---|---|
| Midland States Bank (Main) | 1201 Network Centre Dr | Effingham, IL |
| MANTENO BRANCH | 303 Section Line Rd | Manteno, IL |
| ROCKFORD ALPINE BRANCH | 1700 N Alpine Rd | Rockford, IL |
| CHERRY VALLEY BRANCH | 1972 Pawlisch Dr | Rockford, IL |
| DIAMOND CONNECTION FACILITY | 1275 E Division St | Diamond, IL |
| NORTH BRANCH | 212 N Hennepin Ave | Dixon, IL |
| MENDOTA BRANCH | 609 8th Ave | Mendota, IL |
| ROCK FALLS CENTER FACILITY | 941 1st Ave | Rock Falls, IL |
Showing 7 of 59
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1881 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62401 |
| State and County Number | 17049 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Effingham, IL |
Operational Info
| Number of Employees | 847 |
| Domestic Offices | 60 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.midlandsb.com |
| Data Updated | 01/30/2026 |
| CERT | 1040 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $6.50B |
| Total Deposits | $5.43B |
| Total Liabilities | $5.89B |
| Total Equity Capital | $610.25M |
| Net Income | $-1,733,000 |
| Net Loans and Leases | $4.29B |
| Assets Per Employee ($Millions) | $7.71M |
| Bank Premises and Fixed Assets | $85.13M |
| Cash and Balances due from Depository Institutions | $127.28M |
| Deposits Held in Domestic Offices | $5.43B |
Key Performance Ratios
| Return on Assets (ROA) | -0.1% |
| Return on Equity (ROE) | -1.13% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 87.67% |
| Tier 1 Risk-Based Capital Ratio | 13.047% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.69% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.385% |
| Earning Assets to total Assets | 90.68% |
Income and Expense
| Total Interest Income | $92.09M |
| Total Noninterest Income | $26.38M |
| Total Interest Expense | $32.09M |
| Total Noninterest Expense | $76.48M |
| Net Interest Income | $60.01M |
| Pre-tax Net Operating Income | $-1,716,000 |
| Provision for Credit Losses | $11.63M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $606.00k |
| Other borrowed funds | $365.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $532.00k |
| Federal Funds Purchased and Repurchased Agreement | $10.18M |
| All Other Liabilities | $88.02M |
| Total Liabilities and Capital | $6.50B |
Securities
| Securities | $1.52B |
| Available-for-sale debt securities | $1.52B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Midland States Bank?
$6.50B as of the latest filing.
How much are Midland States Bank's total deposits?
$5.43B in total deposits.
Where is Midland States Bank located?
Effingham, IL.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
60.
When was it established?
01/01/1881.
What is the Return on Assets (ROA)?
-0.1%.
How much are total loans and leases?
$4.29B (latest filing).
What is the total interest income (latest filing)?
$92.09M.