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.
Key Contacts
Midland States Bank - Main Office
FDIC Financial Overview
$6.5B
Total Assets
$2.5B
CRE Loans
38.5%
CRE Concentration
$382M
Multifamily
$286M
Construction
$1.8B
Commercial RE
-5.8%
Asset Growth (YoY)
-1.6224706421650827%
ROA
-17.07%
ROE
Above 300% CRE concentration guidance threshold
Source: FDIC Quarterly Call Reports (20251231)
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
Lending Programs
Visit midlandsb.com for current lending programs and rates.
Similar Lenders
Wintrust Financial CRE
Wintrust is a financial services company that provides exceptional customer service, while giving back to the things that matter most to our area. FDIC-insured. Total assets: $9.6B.
Wintrust Financial Corporation CRE
Wintrust is a financial services company that provides exceptional customer service, while giving back to the things that matter most to our area. FDIC-insured. Total assets: $9.6B.
Midland States Bancorp CRE
It only takes a moment for an idea to spark or to start planning for your forever. Whatever your moments, we're here to make them brighter. FDIC-insured. Total assets: $6.5B.
First Busey Corporation CRE
Busey provides an array of banking services across Illinois, Missouri, Indianapolis and south west Florida.
BMO Harris Commercial Real Estate
BMO offers a wide range of personal and business banking services, including checking & savings accounts, loans, lines of credit, credit cards and more. FDIC-insured. Total assets: $8M.