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Dec 31, 2025
Midland States Q4 2025 Earnings Report
Midland States Bancorp, Inc. reported a net loss available to common shareholders of $5.1 million for the fourth quarter of 2025, primarily due to a loss on the sale of its equipment finance portfolio.
Key Takeaways
Midland States Bancorp, Inc. reported a net loss of $5.1 million for the fourth quarter of 2025, or $0.24 per diluted share. This was significantly impacted by a $21.4 million loss on the sale of its equipment finance portfolio. Excluding these transactions, adjusted earnings were $11.9 million, or $0.53 per diluted share. The company also recognized additional credit enhancement income of $6.6 million, partially offset by $1.7 million in additional FDIC assessments.
Net loss available to common shareholders was $5.1 million, or $0.24 per diluted share.
Adjusted earnings available to common shareholders were $11.9 million, or $0.53 per diluted share, excluding portfolio sales.
The company sold substantially all of its equipment finance portfolio, resulting in a $21.4 million loss.
Nonperforming assets to total assets remained consistent at 1.02%.
Revenue by Segment
Forward Guidance
Midland States Bancorp, Inc. is focused on improving credit quality and strengthening its balance sheet in 2025, with continued investment in core businesses and expectations for solid momentum in 2026.
Positive Outlook
- Improving credit quality is the number one priority for 2025.
- Significant steps taken to reduce risk in the loan portfolio and strengthen the balance sheet.
- Enhanced credit talent, culture, and underwriting standards in 2025.
- Capital position improved, with common equity tier 1 capital ratio rising to 9.89% and approaching 10.0% target.
- Revenue trends remained positive in Q4 2025, with strong net interest margin and roughly 6.5% annualized loan growth in Community Bank.
Challenges Ahead
- Non-performing assets remain above the 0.75% target.
- The sale of equipment finance portfolio resulted in a significant loss.
- Additional FDIC assessments related to prior years' amended call reports impacted results.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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