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Midland States Bancorp MSBI Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.49B+6.8%
Stifel Financial logo
Stifel FinancialSF
$47.42M-89.0%
Regions Financial logo
Regions FinancialRF
$40.06B-0.9%
Mid Penn Bancorp logo
Mid Penn BancorpMPB
$933.5M+18.4%
Old National Bancorp logo
Old National BancorpONB
$12.93B+40.7%
JPMorgan Chase logo
JPMorgan ChaseJPM

Other financials

Income statement

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Revenue$79.5M+4.6%
Net income$18.5M+113%
EPS (diluted)$0.74+111%

Balance sheet

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Cash & equivalents$113.7M+11.4%
Total debt$162.4M+220%
Total equity$559.0M-2.2%
Total assets$6.5B-10.1%

Cash flow

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Operating cash flow$17.0M-31.3%
CapEx$619.0K-66.5%
Free cash flow$16.3M-28.5%

Valuation

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Market cap$632.47M+80.0%
Enterprise value$681.22M+127%
P/E18×
P/S1.9×+0.9×

Profitability

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Net margin10.7%
FCF margin37%-5.4pp

Returns & leverage

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Return on equity6.2%
Debt / equity0.3×+0.2×

Where this comes from

Reported directly by Midland States Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The official record: Midland States Bancorp’s 10-Q, filed April 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Midland States Bancorp's noninterest-bearing deposits?
Midland States Bancorp (MSBI) reported noninterest-bearing deposits of $1.01B in Q1 2026.
How has Midland States Bancorp's noninterest-bearing deposits changed year-over-year?
Midland States Bancorp's noninterest-bearing deposits decreased by 7.1% year-over-year, from $1.09B to $1.01B.
What is the long-term trend for Midland States Bancorp's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Midland States Bancorp's noninterest-bearing deposits has grown at a -6.7% compound annual growth rate (CAGR), from $1.47B to $1.04B.
What does noninterest-bearing deposits mean?
These are customer deposit accounts, such as demand deposit accounts, that do not accrue interest for the depositor. They represent a low-cost source of funding for the bank, significantly contributing to the net interest margin and overall profitability.