Midland States Bank

Headquartered in Effingham, IL. Part of Midland States Bancorp, Inc. FDIC certificate #1040 · Federal Reserve RSSD 773247.

Total assets

$6.5B

Deposits

$5.5B

Q1 2026

Active branches

Closings since Jan 2020

1 openings since Jan 2020

All locations →Quarterly financials →

Financial snapshot — Q1 2026

All quarters →

Net income (quarter)

$19M

Return on assets

1.18%

Return on equity

12.69%

Noncurrent loan rate

1.35%

Deposits by year (Summary of Deposits)

2019

2020

2021

2022

2023

2024

2025

Values in $ billions, June 30 of each year.

Closings by year

2020

2021

2023

2025

Openings by year

2023

Other network changes since 2020

2 branch relocations
1 branches acquired through purchases or mergers

Branches by state

Illinois 48 Missouri 12

Recent closings

Midland States Bank — Belvidere, IL
311 LOGAN AVE · closed May 1, 2025
Midland States Bank — Sterling, IL
302 1ST AVE · closed April 14, 2023
Midland States Bank — Mendota, IL
801 WASHINGTON STREET · closed June 15, 2021
Midland States Bank — Dixon, IL
101 INDEPENDENCE COURT · closed December 11, 2020
Midland States Bank — Loves Park, ILbank exits city
1810 HARLEM ROAD · closed December 11, 2020
Midland States Bank — Princeton, IL
1839 NORTH MAIN STREET · closed December 11, 2020
Midland States Bank — Kirkland, ILbank exits city
306 WEST MAIN STREET · closed December 11, 2020
Midland States Bank — Belvidere, IL
1425 NORTH STATE STREET · closed December 11, 2020
Midland States Bank — Rockford, IL
2642 CHARLES STREET · closed December 11, 2020
Midland States Bank — Plano, ILbank exits city
15 WEST SOUTH STREET · closed December 11, 2020
Midland States Bank — Rockford, IL
4142 JOHNS FARM ROAD · closed December 11, 2020
Midland States Bank — Freeport, ILbank exits city
1753 SOUTH WEST AVENUE · closed December 11, 2020
Midland States Bank — Effingham, IL
1302 THELMA KELLER AVENUE · closed December 11, 2020
Midland States Bank — Ottawa, IL
721 COLUMBUS STREET · closed December 11, 2020
Midland States Bank — Bradley, IL
435 EAST NORTH STREET · closed December 11, 2020
Midland States Bank — Coal City, ILbank exits city
660 SOUTH BROADWAY STREET · closed December 11, 2020
Midland States Bank — Streator, IL
24 DANNYS DRIVE · closed January 31, 2020
Midland States Bank — Freeburg, ILbank exits city
500 NORTH STATE ST · closed January 31, 2020

All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.midlandsb.com.