Call reports 2025
MIDLAND STATES BANK — 2025
What MIDLAND STATES BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 7,273,790,000 | 7,096,444,000 | 6,902,904,000 | 6,502,519,000 |
| Total loans | 5,305,874,000 | 5,072,594,000 | 4,875,122,000 | 4,359,785,000 |
| Allowance for loan losses | 105,176,000 | 92,690,000 | 100,886,000 | 69,219,000 |
| Securities available for sale | 1,364,201,000 | 1,350,357,000 | 1,378,907,000 | 1,520,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,942,621,000 | 5,955,068,000 | 5,610,152,000 | 5,429,071,000 |
| Interest-bearing deposits | 4,845,727,000 | 4,872,707,000 | 4,588,895,000 | 4,383,968,000 |
| Noninterest-bearing deposits | 1,096,894,000 | 1,082,361,000 | 1,021,257,000 | 1,045,103,000 |
| Equity capital | 659,546,000 | 659,928,000 | 621,345,000 | 610,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 99,355,000 | 197,279,000 | 295,772,000 | 387,867,000 |
| Interest expense | 38,731,000 | 75,610,000 | 110,620,000 | 142,707,000 |
| Net interest income | 60,624,000 | 121,669,000 | 185,152,000 | 245,160,000 |
| Noninterest income | 17,804,000 | 41,166,000 | 61,082,000 | 87,461,000 |
| Noninterest expense | 202,728,000 | 252,260,000 | 301,679,000 | 378,157,000 |
| Provision for loan losses | 10,850,000 | 28,219,000 | 48,724,000 | 60,549,000 |
| Pretax income | -135,271,000 | -117,616,000 | -103,478,000 | -105,120,000 |
| Income tax | 3,881,000 | 7,505,000 | 9,246,000 | 9,337,000 |
| Net income | -139,152,000 | -125,121,000 | -112,724,000 | -114,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 714,213,000 | 716,530,000 | 667,665,000 | 655,751,000 |
| Total capital | 791,780,000 | 788,561,000 | 737,170,000 | 718,702,000 |
| Risk-weighted assets | 6,173,515,000 | 5,737,532,000 | 5,525,214,000 | 5,026,125,000 |