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Midland States Bancorp (MSBI) investor relations material
Midland States Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Assets totaled $6.9B, loans $4.9B, and deposits $5.6B as of Q3 2025, with a focus on tech-forward community banking and targeted credit management.
Net income available to common shareholders was $5.3M ($0.24 per diluted share) for Q3 2025, down from $9.8M in Q2 2025 and $18.2M in Q3 2024.
Ceased originations in equipment finance and reduced specialty finance exposure to under 10% of loans.
53 branch locations in Illinois and Missouri, with growth focus in St. Louis and Chicago.
Strategic initiatives included tightening underwriting standards in specialty finance.
Financial highlights
Net interest income reached $61.1M, aided by a 7bps sequential decline in deposit costs.
Net interest margin expanded to 3.79% from 3.56% in Q2 2025; excluding interest recoveries, margin was 3.69%.
Noninterest income was $20.0M, down from $23.5M in Q2 2025, due to lower credit enhancement income.
Tangible book value per share increased to $21.16, up $0.48 from the prior quarter.
Loan balances decreased $168M sequentially, mainly from reductions in specialty and equipment finance portfolios.
Outlook and guidance
Lowering credit costs expected in 2026.
Further improvement in funding costs is expected due to recent Federal Reserve rate cuts and reduction in higher-cost deposits.
Capital ratios are on track to meet or exceed targets, with a focus on strengthening the balance sheet.
Continued focus on growing the Community Bank, building regulatory capital, and expanding fee income.
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Next Midland States Bancorp earnings date
Q4 202522 Jan, 2026
Next Midland States Bancorp earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Midland States Bancorp Inc. is a bank holding company that operates through its subsidiary, Midland States Bank, providing a range of financial services to individuals, businesses, and government entities. The company offers commercial and consumer banking products, including business loans, mortgages, deposit accounts, treasury management, and wealth management services. It also provides equipment financing and other specialized lending solutions. Midland States Bancorp serves customers primarily in the Midwest through a network of branches and digital banking platforms. The company is headquartered in Effingham, Illinois, and its shares are listed on the NASDAQ.
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