| Metric | Midland States Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.7% | +5.5% | -11.2 pts |
| Deposit growth (YoY) | -3.9% | +5.1% | -9.0 pts |
| Loan growth (YoY) | -15.9% | +5.9% | -21.8 pts |
| ROA | 1.22% | 1.26% | -0.0 pts |
| ROE | 13.2% | 12.2% | +1.0 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.69B | $5.72B | $4.19B | $612.8M | $40.2M | 1.22% | 4.01% | 0.92% |
| Q1 2026 | $6.54B | $5.45B | $4.28B | $605.3M | $19.3M | 1.18% | 3.98% | 0.91% |
| Q4 2025 | $6.50B | $5.43B | $4.29B | $610.2M | $-114.5M | -1.62% | 3.84% | 1.02% |
| Q3 2025 | $6.90B | $5.61B | $4.77B | $621.3M | $-112.7M | -2.09% | 3.80% | 1.00% |
| Q2 2025 | $7.10B | $5.96B | $4.98B | $659.9M | $-125.1M | -3.43% | 3.70% | 1.13% |
| Q1 2025 | $7.27B | $5.94B | $5.20B | $659.5M | $-139.2M | -7.54% | 3.65% | 2.06% |
| Q4 2024 | $7.50B | $6.20B | $5.40B | $801.1M | $44.0M | 0.57% | 3.58% | 2.08% |
| Q3 2024 | $7.69B | $6.26B | $5.59B | $863.1M | $72.7M | 1.25% | 3.57% | 1.60% |
Loan mix (Q2 2026): real estate $2.89B · commercial $842.3M · consumer $68.5M · securities $1.66B
| Ratio | Midland States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.26% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.2% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 59.0% | 53th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Midland States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Midland States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Midland States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Midland States Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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