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Midland States Bancorp MSBI Banking — Provision for Loan, Lease, and Other Losses

Other segment segments

Corporate
$0
Wealth Management
$0

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MRBKMortgage — Provision for Loan, Lease, and Other Losses
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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$694.99M+82.8%
Enterprise value$743.74M+237%
P/E19.8×
P/S2.1×+1.0×

Profitability

See full
Net margin10.7%
FCF margin37%-5.4pp

Returns & leverage

See full
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:ProvisionForLoanLeaseAndOtherLosses.

The source filing: Midland States Bancorp’s 10-Q, filed April 30, 2026.

Filed
Apr 30, 2026, 4:10 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001466026-26-000049
(dollars in thousands) / Three Months Ended March 31, 2026BankingWealth ManagementCorporateTotal
Interest income$86,022$86,022
Interest expense27,238201,34728,605
Net interest income (expense)58,784(20)(1,347)57,417
Provision for credit losses5,0035,003
Wealth management revenue8,2488,248
Other noninterest income15,006(1,132)13,874
Total noninterest income15,0068,248(1,132)22,122
Salaries and employee benefits21,7634,39426,157

ITEM 1 – FINANCIAL STATEMENTS

FAQ

What is Midland States Bancorp's banking — provision for loan, lease, and other losses?
Midland States Bancorp (MSBI) reported banking — provision for loan, lease, and other losses of $5M in Q1 2026.
How has Midland States Bancorp's banking — provision for loan, lease, and other losses changed year-over-year?
Midland States Bancorp's banking — provision for loan, lease, and other losses decreased by 53.9% year-over-year, from $10.85M to $5M.
What is the long-term trend for Midland States Bancorp's banking — provision for loan, lease, and other losses?
Over 4 years (2021 to 2025), Midland States Bancorp's banking — provision for loan, lease, and other losses has grown at a 104.9% compound annual growth rate (CAGR), from $3.39M to $59.85M.
What does banking — provision for loan, lease, and other losses mean?
This metric reflects the expense set aside by the banking segment to cover potential losses from loan defaults or credit deterioration. It serves as a critical indicator of the segment's credit risk management and the health of its loan portfolio.

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