TellerScore

Midland States Bank (FDIC certificate #1040) is based in Effingham, Illinois. Its Q2 2026 call report shows $6.7B in total assets and $5.7B in deposits and 60 offices across 2 states.

Midland States Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 234th. Problem-loan coverage contributes the most (82/100, 9.1%); capital cushion contributes the least (51/100, 10.08%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.08%
Loan quality52/100
Noncurrent loans ÷ total loans: 1.43%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 73.2% · 22.7% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 18 points (44 → 62), mostly because the earnings component improved by 69 points.

TellerScore
314762Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202454
Q4 202440
Q1 202531
Q2 202544
Q3 202545
Q4 202546
Q1 202662
Q2 202662
Tier 1 leverage ratio
5.00%7.55%10.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.62%
Q3 20249.85%
Q4 20249.38%
Q1 20259.45%
Q2 20259.92%
Q3 20259.57%
Q4 20259.65%
Q1 202610.10%
Q2 202610.08%
Noncurrent loans
1.35%2.05%2.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.92%
Q3 20242.00%
Q4 20242.74%
Q1 20252.75%
Q2 20251.58%
Q3 20251.41%
Q4 20251.50%
Q1 20261.35%
Q2 20261.43%
Return on assets
-7.54%-3.09%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.25%
Q4 20240.57%
Q1 2025-7.54%
Q2 2025-3.43%
Q3 2025-2.09%
Q4 2025-1.62%
Q1 20261.18%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$6.7B10.08%1.43%1.22%73.2%
Q1 202662$6.5B10.10%1.35%1.18%78.5%
Q4 202546$6.5B9.65%1.50%-1.62%79.0%
Q3 202545$6.9B9.57%1.41%-2.09%85.1%
Q2 202544$7.1B9.92%1.58%-3.43%83.6%
Q1 202531$7.3B9.45%2.75%-7.54%87.5%
Q4 202440$7.5B9.38%2.74%0.57%87.1%
Q3 202454$7.7B9.85%2.00%1.25%89.2%
Q2 202454$7.7B9.62%1.92%1.35%92.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.08%
39th
Total risk-based capital14.84%
65th
Problem loans1.43%
17th
Net charge-offs0.89%
4th
Return on assets1.22%
47th
Net interest margin4.01%
69th
Efficiency ratio59.8%
47th
Loans to deposits73.2%
79th
Uninsured deposits22.7%
77th
Loan-loss reserves1.47%
85th
Texas ratio9.1%
20th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL69 out of 100, Moderate$6.8B9.2%0.16%vs
Old Second National BankBank Aurora, IL71 out of 100, Strong$6.9B12.0%1.08%vs
Northbrook Bank and Trust Company, National AssociationBank Northbrook, IL68 out of 100, Moderate$6.4B9.4%0.27%vs
Morton Community BankBank Morton, IL72 out of 100, Strong$5.3B10.6%0.81%vs
Barrington Bank & Trust Company, National AssociationBank Barrington, IL42 out of 100, Below average$5.2B10.1%4.75%vs

Deposit insurance

Is my money safe at Midland States Bank?

Yes. Midland States Bank is an FDIC-insured institution (FDIC certificate #1040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.7% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.84% (benchmark: 10%).

Check how much of your own balance is covered

60 locations

Branches

Midland States Bank lists 53 offices in 41 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Midland States Bank reported 1,590 home-loan applications under HMDA (LEI 549300U6DW7DX671T306): 989 originated ($274,845,000 total), 393 denied, and 145 withdrawn or closed by the applicant. Its denial rate on decided applications was 27.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Midland States Bank
Former names
Effingham State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
1040
RSSD ID
773247
Primary regulator
FED
Holding company
Midland States Bcorp Inc
Established
January 1, 1881
Headquarters
1201 Network Centre Dr, Effingham, IL 62401
Employees
782

Quick answers

Midland States Bank: common questions

Is Midland States Bank FDIC insured?

Yes. Midland States Bank is an FDIC-insured institution (FDIC certificate #1040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Midland States Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Midland States Bank ever failed?

There is no failure record for FDIC certificate #1040 in the FDIC failed bank list.

How many branches does Midland States Bank have?

60 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Effingham

InstitutionScoreAssetsCapitalProblem loansCompare
Teutopolis State BankBank Teutopolis, IL97 out of 100, Very strong$358.5M14.7%0.00%vs
Effingham Highway Credit UnionCredit union Effingham, IL94 out of 100, Very strong$5.9M19.8%0.00%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
First State Bank of Beecher CityBank Beecher City, IL88 out of 100, Very strong$112.2M16.0%0.81%vs
First State Bank of St. PeterBank Saint Peter, IL83 out of 100, Strong$30.1M18.5%1.71%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs