Midland States Bancorp, Inc. (MSBI)
NASDAQ: MSBI · Real-Time Price · USD
32.98
+0.02 (0.06%)
Oct 23, 2026, 4:00 PM EDT - Market closed
Midland States Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 300.23 | 317.05 | 367.82 | 380.36 | 288.06 | 217.51 |
Interest Income on Investments | 59.09 | 70.82 | 58.31 | 36.74 | 24.65 | 20.31 |
Total Interest Income | 359.32 | 387.87 | 426.13 | 417.1 | 312.72 | 237.82 |
Interest Paid on Deposits | 106.18 | 124.27 | 160.68 | 136.95 | 36.06 | 10.96 |
Interest Paid on Borrowings | 14.71 | 26.79 | 29.11 | 31.33 | 19.96 | 19.19 |
Total Interest Expense | 120.89 | 151.06 | 189.78 | 168.28 | 56.02 | 30.14 |
Net Interest Income | 238.43 | 236.8 | 236.35 | 248.82 | 256.7 | 207.68 |
Net Interest Income Growth | 0.74% | 0.19% | -5.01% | -3.07% | 23.60% | 4.29% |
Trust Income | 33.94 | 31.02 | 28.7 | 25.57 | 25.71 | 26.81 |
Mortgage Banking Activities | 2.22 | 2.86 | 2.42 | 1.9 | 1.51 | 5.53 |
Gain (Loss) on Sale of Assets | - | - | - | - | -3.25 | -0.22 |
Gain (Loss) on Sale of Investments | -1.73 | 0.01 | -0.23 | -9.37 | -0.23 | 4.73 |
Other Non-Interest Income | 47.42 | 40.46 | 94.47 | 84.02 | 113.91 | 31.12 |
Total Non-Interest Income | 95.99 | 88.18 | 138.51 | 114.11 | 147.88 | 77.21 |
Non-Interest Income Growth | -0.48% | -36.34% | 21.39% | -22.84% | 91.53% | 7.39% |
Revenues Before Loan Losses | 334.42 | 324.98 | 374.86 | 362.93 | 404.58 | 284.88 |
Provision for Loan Losses | 27.18 | 59.85 | 120.33 | 82.56 | 76.76 | 3.39 |
| 307.24 | 265.14 | 254.52 | 280.37 | 327.81 | 281.49 | |
Revenue Growth | 45.81% | 4.17% | -9.22% | -14.47% | 16.46% | 24.19% |
Salaries and Employee Benefits | 105.02 | 101.49 | 90.61 | 90.95 | 88.09 | 84.95 |
Occupancy Expenses | 15.98 | 15.28 | 14.8 | 14.49 | 13.34 | 13.47 |
Federal Deposit Insurance | 5.84 | 8.14 | 5.28 | 4.78 | 3.34 | 3.35 |
Amortization of Goodwill & Intangibles | 2.77 | 3.22 | 4.01 | 4.76 | 5.41 | 5.86 |
Selling, General & Administrative | 46.01 | 49.94 | 46.29 | 42.22 | 40.67 | 45.15 |
Other Non-Interest Expense | 31.58 | 23.95 | 30.35 | 35.56 | 39.12 | 12.28 |
Total Non-Interest Expense | 230.53 | 225.34 | 196.9 | 193.08 | 195.16 | 166.31 |
EBT Excluding Unusual Items | 76.71 | 39.79 | 57.63 | 87.29 | 132.65 | 115.18 |
Asset Writedown | -0.68 | -0.68 | -7.86 | - | -1.26 | -7.53 |
Legal Settlements | - | - | -3.1 | - | - | - |
Other Unusual Items | - | - | 0.23 | 0.68 | - | -8.54 |
Pretax Income | 76.03 | -114.87 | 46.9 | 87.96 | 131.39 | 99.11 |
Income Tax Expense | 17.76 | 9.41 | 8.86 | 26.81 | 31.15 | 17.8 |
Net Income | 58.27 | -124.28 | 38.04 | 61.16 | 100.24 | 81.32 |
Preferred Dividends & Other Adjustments | 9.91 | 9.45 | 9.4 | 9.56 | 4.29 | 0.82 |
Net Income to Common | 48.36 | -133.73 | 28.65 | 51.59 | 95.95 | 80.49 |
Net Income Growth | - | - | -44.47% | -46.23% | 19.20% | 261.31% |
Basic Shares Outstanding | 21 | 22 | 22 | 22 | 22 | 22 |
Diluted Shares Outstanding | 21 | 22 | 22 | 22 | 22 | 23 |
Shares Change | -2.13% | 0.44% | -1.75% | -1.21% | -0.67% | -3.42% |
EPS (Basic) | 2.27 | -6.12 | 1.32 | 2.33 | 4.29 | 3.58 |
EPS (Diluted) | 2.25 | -6.12 | 1.32 | 2.33 | 4.28 | 3.57 |
EPS Growth | - | - | -43.42% | -45.62% | 20.01% | 275.79% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share | 1.280 | 1.260 | 1.240 | 1.200 | 1.160 | 1.120 |
Dividend Growth | 2.40% | 1.61% | 3.33% | 3.45% | 3.57% | 4.67% |
Effective Tax Rate | 23.36% | - | 18.88% | 30.48% | 23.71% | 17.95% |