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Midland States Bancorp MSBI Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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$140.3M+26.7%

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+84.4%
Enterprise value$743.74M+240%
P/E19.8×
P/S2.1×+1.0×

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025
Provision for credit losses on loans5,40310,850
Recapture of credit losses on unfunded commitments(400)
Total provision for credit losses5,00310,850
Net interest income after provision for credit losses52,41447,440
Noninterest income:
Wealth management revenue8,2487,350
Service charges on deposit accounts3,3553,305
Interchange revenue3,5283,151

ITEM 1 – FINANCIAL STATEMENTS

FAQ

What is Midland States Bancorp's net interest income (after provisions)?
Midland States Bancorp (MSBI) reported net interest income (after provisions) of $52.41M in Q1 2026.
How has Midland States Bancorp's net interest income (after provisions) changed year-over-year?
Midland States Bancorp's net interest income (after provisions) increased by 10.5% year-over-year, from $47.44M to $52.41M.
What is the long-term trend for Midland States Bancorp's net interest income (after provisions)?
Over 3 years (2021 to 2025), Midland States Bancorp's net interest income (after provisions) has grown at a -4.7% compound annual growth rate (CAGR), from $204.28M to $176.96M.
What does net interest income (after provisions) mean?
This metric represents the core interest-based revenue generated by lending activities after accounting for the expected losses from the loan portfolio. It reflects the bank's ability to manage interest rate spreads while maintaining adequate reserves for credit risk. A higher value indicates effective credit risk management and profitable net interest margins.

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