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Midland States Bancorp MSBI Banking — Credit enhancement income
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Where this comes from
Reported directly by Midland States Bancorp in its filing.
Tagged under the XBRL concept msbi:CreditEnhancementIncome.
The source filing: Midland States Bancorp’s 10-K, filed March 2, 2026.
- Filed
- Mar 2, 2026, 12:19 PM EST
- Fiscal year
- FY2025
- Accession
- 0001466026-26-000020
| Line item | Years Ended December 31, 2025 | Years Ended December 31, 2024 | 2023 |
|---|---|---|---|
| Residential mortgage banking revenue | 2,857 | 2,418 | 1,903 |
| Income on company-owned life insurance | 8,564 | 7,683 | 4,439 |
| Gain (loss) on sales of investment securities, net | 14 | (230) | (9,372) |
| Credit enhancement income | 9,904 | 60,998 | 48,194 |
| Other income | 8,499 | 12,066 | 17,756 |
| Total noninterest income | 88,180 | 138,741 | 114,784 |
| Noninterest expense: | |||
| Salaries and employee benefits | 104,400 | 93,639 | 93,438 |
ITEM 8 – FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
FAQ
- What is Midland States Bancorp's banking — credit enhancement income?
- Midland States Bancorp (MSBI) reported banking — credit enhancement income of $2.48M in Q4 2025.
- How has Midland States Bancorp's banking — credit enhancement income changed year-over-year?
- Midland States Bancorp's banking — credit enhancement income decreased by 83.8% year-over-year, from $15.25M to $2.48M.
- What is the long-term trend for Midland States Bancorp's banking — credit enhancement income?
- Over 3 years (2022 to 2025), Midland States Bancorp's banking — credit enhancement income has grown at a -47.9% compound annual growth rate (CAGR), from $69.98M to $9.9M.
- What does banking — credit enhancement income mean?
- This captures revenue generated by the banking segment for providing guarantees or credit support to third-party loans or financial instruments. It reflects the segment's ability to monetize its credit expertise without necessarily holding the underlying assets on the balance sheet.
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