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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ +5

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

Quarterly Headline

2025-Q2

Bank #773247 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.30% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.48% of assets (threshold 3%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.20% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ +6
74
Sub-score

Liquidity is stable: brokered 4.2%, loans/deposits 83.6%, cash 2.5% of assets.

Cash / Assets
2.48%
Loans / Deposits
83.62%
Brokered %
4.18%

Watch Items

  • infoCash / Assets below 3% — Cash 2.48% 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 +8
84
Sub-score

Capital position is strong: Tier 1 RBC 12.49%, CET1 12.49%, leverage 9.90%.

Tier 1 RBC
12.49%
CET1
12.49%
Leverage
9.90%
No watch items at this period.

Asset Quality

StableQoQ -1
65
Sub-score

Asset quality is stable: Adjusted NPL 2.20%, Texas Ratio 13.5%, NCO YTD 2.30%.

Adjusted NPL
2.20%
Govt-guarantees stripped
Texas Ratio
13.5%
NCO YTD
2.30%
30-89 PD
0.82%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.20% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 2.30% of loans.

Reserves

WatchQoQ +12
58
Sub-score

Reserves are deteriorating: ALLL 1.83% of loans, coverage 84.6%, true coverage 66.1%.

ALLL / Loans
1.83%
Coverage
84.6%
True Loss Coverage
66.1%
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