Midland States Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	166.15	114.77	135.06	160.63	680.37	341.64
Investment Securities	277.73	298.02	305.79	354.16	483.5	377.41
Trading Asset Securities	3.91	3.84	0.37	0.45	5.91	2.22
Mortgage-Backed Securities	1,143	948.07	658.03	468.9	468.98	365.32
Total Investments	1,424	1,250	964.19	823.51	958.38	744.95
Gross Loans	4,911	5,224	6,170	6,369	5,271	5,151
Allowance for Loan Losses	-100.89	-111.2	-159.32	-61.05	-51.06	-60.44
Other Adjustments to Gross Loans	-43.6	-56.7	-66.4	-62.6	-46.1	-47.2
Net Loans	4,767	5,056	5,944	6,245	5,174	5,043
Property, Plant & Equipment	107.81	116.41	140.81	78.29	79.22	83.3
Goodwill	7.93	161.9	161.9	161.9	161.9	161.9
Other Intangible Assets	9.62	12.1	16.11	20.87	24.37	28.38
Loans Held for Sale	7.54	344.95	3.81	1.29	32.05	138.09
Accrued Interest Receivable	26.67	25.33	34.13	20.31	19.47	23.55
Other Current Assets	-	-	-	20.75	-	4.2
Other Real Estate Owned & Foreclosed	1.67	6.5	11.35	8.4	14.49	21.36
Other Long-Term Assets	393.14	418.56	378.4	314.14	299.82	278.28
Total Assets	6,912	7,507	7,790	7,856	7,444	6,869
Interest Bearing Deposits	4,589	4,975	4,985	4,884	3,721	3,543
Institutional Deposits	-	166.8	179.2	118.6	143.5	88.3
Non-Interest Bearing Deposits	1,016	1,056	1,145	1,362	2,246	1,470
Total Deposits	5,605	6,197	6,310	6,365	6,111	5,101
Short-Term Borrowings	213.08	93.15	209.7	302.76	77.2	69.27
Current Portion of Long-Term Debt	-	40	-	-	-	304
Current Portion of Leases	0.35	1.77	-	-	-	-
Accrued Interest Payable	108.14	108.5	92.24	60.87	82.78	-
Long-Term Debt	27.01	77.75	93.55	99.77	139.26	169.97
Federal Home Loan Bank Debt, Long-Term	313	218	310	210	310	475
Long-Term Leases	9.43	8.34	9.3	8.9	10.7	11.96
Trust Preferred Securities	51.68	51.21	50.62	49.98	49.37	48.81
Other Long-Term Liabilities	-	-	-	-	-	67.13
Total Liabilities	6,328	6,796	7,075	7,097	6,780	6,247
Preferred Stock, Redeemable	110.55	110.55	110.55	110.55	-	-
Common Stock	0.22	0.22	0.22	0.22	0.22	0.22
Additional Paid-In Capital	437.17	434.35	435.46	449.2	445.91	453.41
Retained Earnings	99.04	247.7	245.64	282.41	212.47	156.33
Comprehensive Income & Other	-62.97	-81.96	-76.75	-83.8	5.24	11.43
Total Common Equity	473.45	600.3	604.57	648.03	663.84	621.39
Shareholders' Equity	584	710.85	715.11	758.57	663.84	621.39
Total Liabilities & Equity	6,912	7,507	7,790	7,856	7,444	6,869
Total Debt	614.55	490.22	673.16	671.4	586.54	1,079
Net Cash (Debt)	-444.5	-371.62	-537.73	-510.32	99.74	-735.15
Net Cash Per Share	-20.38	-17.10	-24.30	-22.79	4.42	-31.49
Filing Date Shares Outstanding	21.55	21.52	21.5	22.23	22.03	22.28
Total Common Shares Outstanding	21.54	21.49	21.55	22.21	22.05	22.33
Book Value Per Share	21.98	27.93	28.05	29.17	30.11	27.83
Tangible Book Value	455.91	426.3	426.55	465.26	477.56	431.11
Tangible Book Value Per Share	21.16	19.83	19.79	20.94	21.66	19.31

Source: S&P Global Market Intelligence. Banks template. Financial Sources.