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Midland States Bank

IDRSSD: 773247
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #773247 2024-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.12% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 4.9%, loans/deposits 93.0%, cash 2.1% of assets.

Cash / Assets
2.12%
Loans / Deposits
92.99%
Brokered %
4.89%

Watch Items

  • infoCash / Assets below 3% — Cash 2.12% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
82
Sub-score

Capital position is strong: Tier 1 RBC 11.62%, CET1 11.62%, leverage 10.10%.

Tier 1 RBC
11.62%
CET1
11.62%
Leverage
10.10%
No watch items at this period.

Asset Quality

StrongQoQ -6
81
Sub-score

Asset quality is strong: Adjusted NPL 1.78%, Texas Ratio 12.0%, NCO YTD 0.29%.

Adjusted NPL
1.78%
Govt-guarantees stripped
Texas Ratio
12.0%
NCO YTD
0.29%
30-89 PD
1.00%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -17
53
Sub-score

Reserves are deteriorating: ALLL 1.31% of loans, coverage 74.4%, true coverage 73.6%.

ALLL / Loans
1.31%
Coverage
74.4%
True Loss Coverage
73.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 01:12:19 UTC