Damon Del Monte

Nathan Race

Terry McEvoy

Manuel Navas

Jeff Rulis

Brandon Rud

Clark Wright

Daniel Tamayo

Tim Delas

- Midland States Bancorp, Inc. reported **net income available to common shareholders of $5.3 million**, or **$0.24 per diluted share**, for the third quarter of 2025, a decrease from $9.8 million, or $0.44 per diluted share, in the second quarter of 2025.  **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:0]** 
- The company recorded a **$20.0 million provision for credit losses** in Q3 2025, with **$15 million** specifically due to an increase in loss given default assumptions in the equipment finance portfolio.  **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:0]** **[1466026_0001466026-25-000054_a3q2025msbiinvestorprese.htm:1]** 
- Midland States Bancorp, Inc. ceased equipment finance production effective **September 30, 2025**, as a strategic decision to reduce exposure to higher-risk asset classes.  **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:0]** **[1466026_0001466026-25-000054_a3q2025msbiinvestorprese.htm:1]** **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:1]** 
- The **net interest margin expanded to 3.79%** in Q3 2025, up from 3.56% in the prior quarter, primarily driven by a decline in deposit costs to **2.12%**.  **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:0]** **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:3]** 
- **Nonperforming assets decreased to $70 million**, or **1.02% of total assets**, in Q3 2025, compared to 1.15% in the previous quarter.  **[1466026_0001466026-25-000054_msbi-20250930exx991.htm:0]** **[1466026_0001466026-25-000054_a3q2025msbiinvestorprese.htm:1]** **[1466026_0001466026-25-000054_a3q2025msbiinvestorprese.htm:2]**

Midland States Bancorp, Inc. Reports Q3 2025 Earnings Decline Amid Strategic Portfolio Shifts

Midland States Bancorp (MSBI)