Midland States Bank
Midland States Bank is a Effingham, IL-based FDIC-insured commercial bank with $6.5B in total assets and $2.5B in commercial real estate loans, representing 39% of total assets.
FDIC Financial Overview
$6.5B
Total Assets
$2.5B
CRE Loans
37.9%
CRE Concentration
$375M
Multifamily
$276M
Construction
$1.8B
Commercial RE
+0.6%
Asset Growth (YoY)
1.1831196284655958%
ROA
12.69%
ROE
Above 300% CRE concentration guidance threshold
Source: FDIC Quarterly Call Reports (20260331)
FHA Portfolio
340
Active Loans
$1.7B
Outstanding
4.03%
Avg Rate
33 yr
Avg Term
Rates and balances on FHA-insured loans currently held in portfolio, as of February 2026
Rate Range: 2.11%–8.13%
10 loans ($8.6M) maturing by 2031
Top States: OH (33) · MI (32) · TN (28) · ME (17) · TX (16)
Source: HUD Insured Multifamily Mortgages
Profile in progress
Midland States Bank hasn’t yet shared their lending programs, contact information, or deal volume data with High Tranche. Lender profiles are continuously expanded as new data becomes available from public filings, our research team, and lenders themselves.
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