MIDLAND STATES BANK
EFFINGHAM, ILLINOIS · FDIC Cert #1040
Capital & Safety Analysis
According to FDIC financial data, MIDLAND STATES BANK holds a Tier 1 capital ratio of 11.06%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MIDLAND STATES BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MIDLAND STATES BANK shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MIDLAND STATES BANK has a Bank Health Score of C (63/100). It holds a Tier 1 capital ratio of 11.06%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MIDLAND STATES BANK holds $7.7B in total assets and $6.1B in total deposits. It is located in EFFINGHAM, ILLINOIS (FDIC Certificate #1040).
MIDLAND STATES BANK has a Tier 1 capital ratio of 11.06%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.92%, and the return on assets is 1.71%.
Yes. MIDLAND STATES BANK is FDIC-insured (Certificate #1040). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.