Midland States Bank is a bank based in Effingham, Illinois, established in 1881, with $6.5 billion in total assets across 60 branches. By Trust Grade it ranks 172nd of 328 banks we track in Illinois. Its capital ratio of 9.3% trails most similarly sized banks (29th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.18% return on assets. No consumer complaints against Midland States Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Midland States Bank compares to Illinois peers
How we graded Midland States Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.3% capital ratio)
- Strongly profitable (ROA 1.18%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Midland States Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (60)
- 303 Section Line Rd, Manteno, IL 60950
- 1700 N Alpine Rd, Rockford, IL 61107
- 1972 Pawlisch Dr, Rockford, IL 61112
- 1275 E Division St, Diamond, IL 60416
- 212 N Hennepin Ave, Dixon, IL 61021
- 609 8th Ave, Mendota, IL 61342
- 941 1st Ave, Rock Falls, IL 61071
- 576 Latham Dr, Bourbonnais, IL 60914
- 2825 Plaza Dr, Peru, IL 61354
- 101 N Main St, Waterloo, IL 62298
- 812 N Market St, Waterloo, IL 62298
- 119 N Main St, Grant Park, IL 60940
- 3512 E Lincolnway, Sterling, IL 61081
- 201 E Main St, Streator, IL 61364
- 400 E Etna Rd, Ottawa, IL 61350
- 2218 N Mulford Rd, Rockford, IL 61107
- 233 N Mill Rd, Rockford, IL 61107
- 6838 E State St, Rockford, IL 61108
- 613 Harlem Rd, Machesney Park, IL 61115
- 680 S Main St, Bourbonnais, IL 60914
- 302 W Mazon Ave, Dwight, IL 60420
- 654 N Park Rd, Herscher, IL 60941
- 1920 Richardson Rd, Arnold, MO 63010
- 815 N Commercial Ave, St. Clair, MO 63077
- 13402 Clayton Rd, Saint Louis, MO 63131
- 318 W College Ave, Greenville, IL 62246
- 202 Indian Springs Dr, Sandwich, IL 60548
- 514 S Main St, Smithton, IL 62285
- 11670 Gravois Rd, Saint Louis, MO 63126
- 212 S Central Ave, Saint Louis, MO 63105
- 7818 Bonhomme Ave, Saint Louis, MO 63105
- 951 Dixie Hwy, Beecher, IL 60401
- 208 E Veterans Pkwy, Yorkville, IL 60560
- 980 N Bradley Blvd, Bradley, IL 60915
- 200 S Poplar St, Centralia, IL 62801
- 1611 Veterans Ave, Vandalia, IL 62471
- 1988 Gateway Center Dr, Belvidere, IL 61008
- 200 W Washington St, Momence, IL 60954
- 5991 S Highway 94, Saint Charles, MO 63304
- 9877 Manchester Rd, Saint Louis, MO 63119
Are deposits at Midland States Bank insured?
Yes. Midland States Bank is an FDIC-insured bank (FDIC certificate #1040). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Midland States Bank: frequently asked questions
Is Midland States Bank a good bank?
Midland States Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (9.3% capital ratio); Strongly profitable (ROA 1.18%).
Is Midland States Bank FDIC-insured?
Yes. Midland States Bank is a FDIC-insured bank (FDIC certificate #1040). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Midland States Bank?
Midland States Bank holds $6.5 billion in total assets, ranking 172nd of 328 banks we track in Illinois. It operates 60 branches.
Does Midland States Bank have CFPB complaints?
No CFPB complaints against Midland States Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
