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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q3QoQ +7

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

Quarterly Headline

2025-Q3

Bank #773247 2025-Q3 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.40% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +7 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +18
  • Reserves
    ↑ +30

The five pillars

Liquidity

StableQoQ 0
74
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 85.1%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
85.10%
Brokered %
2.98%

Watch Items

  • infoCash / Assets below 3% — Cash 2.40% 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 -6
78
Sub-score

Capital position is stable: Tier 1 RBC 12.08%, CET1 12.08%, leverage 9.54%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ +18
83
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 8.9%, NCO YTD 0.99%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
8.9%
NCO YTD
0.99%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +30
88
Sub-score

Reserves are strong: ALLL 2.07% of loans, coverage 146.8%, true coverage 114.1%.

ALLL / Loans
2.07%
Coverage
146.8%
True Loss Coverage
114.1%
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