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Midland States Bancorp MSBI Provision for Credit Losses

Provision for Credit Losses at other companies

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Northwest BancsharesNWBI
$6.64M-24.1%

Segments

By segment

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Banking$5M-53.9%
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 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
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025
Provision for credit losses:
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

ITEM 1 – FINANCIAL STATEMENTS

FAQ

What is Midland States Bancorp's provision for credit losses?
Midland States Bancorp (MSBI) reported provision for credit losses of $5M in Q1 2026.
How has Midland States Bancorp's provision for credit losses changed year-over-year?
Midland States Bancorp's provision for credit losses decreased by 53.9% year-over-year, from $10.85M to $5M.
What is the long-term trend for Midland States Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), Midland States Bancorp's provision for credit losses has grown at a 104.9% compound annual growth rate (CAGR), from $3.39M to $59.85M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.

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