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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
Net income for Q3 2025 was $7.6M, down from $20.4M in Q3 2024, with a nine-month net loss of $121.4M due to a $154M goodwill impairment and lower noninterest income.
Assets totaled $6.91B at September 30, 2025, down from $7.51B at year-end 2024, reflecting strategic reductions in non-core portfolios.
Ceased originations in equipment finance and reduced specialty finance exposure to under 10% of loans.
53 branch locations in Illinois and Missouri, with a growth focus in St. Louis and Chicago.
Strategic initiatives included tightening underwriting standards and focusing on tech-forward community banking.
Financial highlights
Net interest income for Q3 2025 was $61.1M, with net interest margin at 3.79% (3.69% excluding $1.6M interest recovery).
Noninterest income was $20.0M, down from $33.5M in Q3 2024, mainly due to lower credit enhancement income.
Noninterest expense for the nine months ended September 30, 2025 was $302.8M, up $153.7M year-over-year, driven by goodwill impairment.
Tangible book value per share increased to $21.16 at period end.
Loan balances decreased $168M sequentially, mainly from reductions in specialty and equipment finance portfolios.
Outlook and guidance
Management expects lower credit costs in 2026 and further improvement in funding costs due to Federal Reserve rate cuts.
Continued focus on growing the Community Bank, building regulatory capital, and expanding fee income.
Capital ratios are on track to meet or exceed targets, with a focus on strengthening the balance sheet.
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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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