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Midland States Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #773247 2025-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.36% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.68% (govt-guarantees stripped).
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.25% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ +1
68
Sub-score

Liquidity is stable: brokered 6.0%, loans/deposits 87.8%, cash 1.4% of assets.

Cash / Assets
1.36%
Loans / Deposits
87.76%
Brokered %
6.03%

Watch Items

  • watchCash / Assets below 3% — Cash 1.36% 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
0.01%
No watch items at this period.

Capitalization

StableQoQ +4
76
Sub-score

Capital position is stable: Tier 1 RBC 11.84%, CET1 11.84%, leverage 9.68%.

Tier 1 RBC
11.84%
CET1
11.84%
Leverage
9.68%
No watch items at this period.

Asset Quality

StableQoQ +5
66
Sub-score

Asset quality is stable: Adjusted NPL 2.68%, Texas Ratio 17.0%, NCO YTD 1.25%.

Adjusted NPL
2.68%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
1.25%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.68% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.25% of loans.

Reserves

WatchQoQ +9
47
Sub-score

Reserves are deteriorating: ALLL 1.70% of loans, coverage 64.6%, true coverage 51.0%.

ALLL / Loans
1.70%
Coverage
64.6%
True Loss Coverage
51.0%
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