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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ -2

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

Quarterly Headline

2025-Q4

Bank #773247 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.77% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.96% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ +4
77
Sub-score

Liquidity is stable: brokered 0.8%, loans/deposits 79.0%, cash 2.0% of assets.

Cash / Assets
1.96%
Loans / Deposits
79.03%
Brokered %
0.79%

Watch Items

  • watchCash / Assets below 3% — Cash 1.96% 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 +10
89
Sub-score

Capital position is strong: Tier 1 RBC 13.05%, CET1 13.05%, leverage 9.63%.

Tier 1 RBC
13.05%
CET1
13.05%
Leverage
9.63%
No watch items at this period.

Asset Quality

StableQoQ -9
74
Sub-score

Asset quality is stable: Adjusted NPL 1.53%, Texas Ratio 9.0%, NCO YTD 3.77%.

Adjusted NPL
1.53%
Govt-guarantees stripped
Texas Ratio
9.0%
NCO YTD
3.77%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.77% of loans.

Reserves

StableQoQ -19
69
Sub-score

Reserves are stable: ALLL 1.59% of loans, coverage 105.7%, true coverage 79.3%.

ALLL / Loans
1.59%
Coverage
105.7%
True Loss Coverage
79.3%
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