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Midland States Bancorp MSBI Credit enhancement income (loss)

Credit enhancement income (loss) at other companies

FinWise Bancorp logo
FinWise BancorpFINW
$5.86M+6,799%
KKR & Co. logo
KKR & Co.KKR
$49.77B+12.7%
The Bancorp logo
The BancorpTBBK
$30.73M+13.9%
The Bancorp logo
The BancorpTBBK
$30.73M+13.9%
FinWise Bancorp logo
FinWise BancorpFINW
$23.38M+11,889%
Coastal Financial logo
Coastal FinancialCCB
$70.73M+126%

Segments

By segment

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Banking$9.9M-83.8%
Corporate$0
Wealth Management$0

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

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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 msbi:CreditEnhancementIncome.

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
Residential mortgage banking revenue626676
Income on company-owned life insurance2,0762,334
Loss on sales of investment securities, net(1,731)
Credit enhancement income (loss)3,360(578)
Other income2,6601,525
Total noninterest income22,12217,763
Noninterest expense:
Salaries and employee benefits26,15726,416

ITEM 1 – FINANCIAL STATEMENTS

FAQ

What is Midland States Bancorp's credit enhancement income (loss)?
Midland States Bancorp (MSBI) reported credit enhancement income (loss) of $3.36M in Q1 2026.
How has Midland States Bancorp's credit enhancement income (loss) changed year-over-year?
Midland States Bancorp's credit enhancement income (loss) increased by 681.3% year-over-year, from -$578K to $3.36M.
What is the long-term trend for Midland States Bancorp's credit enhancement income (loss)?
Over 3 years (2022 to 2025), Midland States Bancorp's credit enhancement income (loss) has grown at a -47.9% compound annual growth rate (CAGR), from $69.98M to $9.9M.
What does credit enhancement income (loss) mean?
This metric tracks fees or income earned for providing credit support or guarantees on loans or financial instruments. It represents a specialized service where the bank leverages its credit standing to facilitate transactions for third parties. Higher income here indicates successful utilization of the bank's balance sheet to generate fee-based credit services.

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