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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2024-Q4QoQ -8

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

Quarterly Headline

2024-Q4

Bank #773247 2024-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 7.29% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 7.6%, loans/deposits 87.7%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
87.69%
Brokered %
7.63%

Watch Items

  • watchCash / Assets below 3% — Cash 1.52% 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

StableQoQ -8
72
Sub-score

Capital position is stable: Tier 1 RBC 11.54%, CET1 11.54%, leverage 9.50%.

Tier 1 RBC
11.54%
CET1
11.54%
Leverage
9.50%
No watch items at this period.

Asset Quality

StableQoQ -15
62
Sub-score

Asset quality is stable: Adjusted NPL 2.58%, Texas Ratio 17.2%, NCO YTD 7.29%.

Adjusted NPL
2.58%
Govt-guarantees stripped
Texas Ratio
17.2%
NCO YTD
7.29%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.58% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 7.29% of loans.

Reserves

RiskQoQ -19
37
Sub-score

Reserves are weak: ALLL 1.37% of loans, coverage 53.8%, true coverage 46.2%.

ALLL / Loans
1.37%
Coverage
53.8%
True Loss Coverage
46.2%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.2% (Adjusted NPL + Performing Mods denominator).

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