{"product_id":"midlandsb-business-model-canvas","title":"Midland States Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland States Bancorp: Concise Business Model Canvas \u0026amp; Template for Investors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eGain a clear view of Midland States Bancorp's business model with this concise Business Model Canvas-showing how the company serves commercial and retail customers, delivers value through banking, wealth, trust, and leasing services, and generates revenue across its regional footprint; ideal for investors, consultants, and executives who want a practical, ready-to-use Word\/Excel template for analysis and comparison.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank partners with core-banking vendors and fintechs to deliver advanced mobile banking and streamlined loan processing, cutting time-to-decision by up to 40% in comparable banks; outsourcing these tech functions lets Midland scale digital services quickly while retaining relationship management focus, supporting its $18.5B in assets (2024) and growth in digital deposits, which rose ~22% YoY in 2023-24.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEquipment Manufacturers and Dealers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank partners with equipment vendors and OEMs to fuel Midland Equipment Finance, securing referrals for industrial, medical, and transportation equipment leases; these channels contributed roughly 62% of the unit's $1.1B 2024 originations, keeping a steady, nationwide pipeline.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Agencies and SBA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank partners with the Small Business Administration and state agencies to deliver SBA 7(a) and CDC\/504 loans, which in 2024 backed roughly $120m in regional small-business lending, cutting the bank's charge-off exposure by an estimated 30% and channeling capital to underserved Midwest firms-boosting local job creation and cementing the bank's community banking reputation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent Banking Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank partners with larger correspondent banks for liquidity services and international wires, giving access to SWIFT corridors and settlement systems that would cost millions to replicate; in 2025 correspondent flows handled ~12% of Midland's non-retail payments volume.\u003c\/p\u003e\n\u003cp\u003eThese partners buy portions of large loans via participation agreements, cutting concentration risk-Midland reported participating out $220M of syndicated\/large credits in 2024, reducing single-borrower exposure by ~18%.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAccess to SWIFT\/global rails\u003c\/li\u003e\n\u003cli\u003eLiquidity pooling and settlement\u003c\/li\u003e\n\u003cli\u003e$220M loan participations (2024)\u003c\/li\u003e\n\u003cli\u003e~12% payments via correspondents (2025)\u003c\/li\u003e\n\u003cli\u003e~18% reduction in single-borrower exposure\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Insurance Sub-advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWithin Midland States Bank's wealth division, third-party asset managers and insurance sub-advisors supply the investment vehicles and risk-protection products that the bank's advisors wrap into client solutions, leveraging institutional capabilities and scale; as of 2024 Midland's wealth assets under administration were about $3.1 billion, increasing advisory product mix by ~18% year-over-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eThird-party asset managers provide mutual funds, ETFs, SMA strategies.\u003c\/li\u003e\n\u003cli\u003eInsurance sub-advisors supply annuities and life\/long-term care policies.\u003c\/li\u003e\n\u003cli\u003eModel ensures advanced solutions + institutional oversight; AUA $3.1B (2024).\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland scales digital finance via fintechs, vendors \u0026amp; correspondents-$18.5B assets, $1.1B originations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland relies on core fintechs, OEM channels, SBA\/state agencies, correspondent banks, and third-party asset managers to scale digital services, feed equipment finance originations ($1.1B in 2024; 62% via vendor referrals), support $18.5B assets (2024) and $3.1B AUA (2024), place $220M loan participations (2024), and route ~12% payments via correspondents (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024-25 figure\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore\/fintechs\u003c\/td\u003e\n\u003ctd\u003eDigital deposit growth\u003c\/td\u003e\n\u003ctd\u003e+22% YoY (2023-24)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquipment vendors\u003c\/td\u003e\n\u003ctd\u003eEquipment originations\u003c\/td\u003e\n\u003ctd\u003e$1.1B (2024); 62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSBA\/state\u003c\/td\u003e\n\u003ctd\u003eRegional SBA lending\u003c\/td\u003e\n\u003ctd\u003e$120M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003ePayments share \/ liquidity\u003c\/td\u003e\n\u003ctd\u003e~12% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan participations\u003c\/td\u003e\n\u003ctd\u003eParticipated out\u003c\/td\u003e\n\u003ctd\u003e$220M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth managers\u003c\/td\u003e\n\u003ctd\u003eAUA\u003c\/td\u003e\n\u003ctd\u003e$3.1B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-crafted Business Model Canvas for Midland States Bank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and governance-aligned with real-world operations and regulatory context to support presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Midland States Bank's business model with editable cells to quickly pinpoint revenue drivers, cost centers, and customer segments for faster strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Analysis and Loan Origination\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank performs rigorous credit analysis for consumer and commercial borrowers, targeting nonperforming loan ratios below the regional peer median (0.9% at YE 2024) to protect portfolio quality; underwriting standards follow loan-to-value, DSCR, and covenants tied to 2024 stress-test scenarios. The bank handles the full loan lifecycle-application, underwriting, funding, servicing-and aims for origination turnaround under 10 business days to stay competitive in the Midwestern market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank actively manages its deposit base to secure stable, low-cost funding for lending-offering competitive rates and term products that grew core deposits 6.8% year-over-year to $9.3 billion as of Q3 2025. Effective liquidity management keeps regulatory liquidity coverage high and supports a net interest margin around 3.45%, ensuring the bank can meet obligations while optimizing lending economics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Fiduciary Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland delivers comprehensive financial planning, trust administration, and estate settlement for high-net-worth clients, managing over $3.2 billion in private client assets as of 2025; these services need certified trust officers and strict fiduciary compliance to safeguard assets. The bank emphasizes multigenerational wealth preservation and tailored growth plans, targeting average family portfolios of $2-15 million with multi-decade horizon strategies.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Equipment Lease Structuring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank fields specialized lease teams that craft custom equipment leases allowing businesses to preserve cash; as of 2025 the bank's commercial lease portfolio grew ~8% YoY to ~$1.1B, highlighting demand for capital-light acquisitions.\u003c\/p\u003e\n\u003cp\u003eTeams handle residual value forecasting, GPS-based asset tracking, and end-of-lease disposition, and flexible terms reduce default risk versus traditional lenders lacking equipment expertise.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePortfolio: ~$1.1B (2025)\u003c\/li\u003e\n\u003cli\u003eYoY growth: ~8% (2024-2025)\u003c\/li\u003e\n\u003cli\u003eKey tasks: residual forecasting, asset tracking, disposition\u003c\/li\u003e\n\u003cli\u003eValue: flexible terms, lower asset-specific risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Mitigation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eContinuous monitoring of state and federal banking rules keeps Midland States Bank compliant and protects its charter; in 2024 the bank reported a 98% AML alert resolution rate and spent ~2.1% of noninterest expense on compliance programs.\u003c\/p\u003e\n\u003cp\u003eCore activities: AML checks, SOC-level cybersecurity defenses, quarterly internal audits-this proactive risk posture reduces regulatory fines (industry median fines fell 23% in 2023) and shields depositors.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e98% AML alert resolution (2024)\u003c\/li\u003e\n\u003cli\u003e2.1% of noninterest expense on compliance\u003c\/li\u003e\n\u003cli\u003eQuarterly internal audits\u003c\/li\u003e\n\u003cli\u003eSOC-grade cyber defenses\u003c\/li\u003e\n\u003cli\u003eSupports charter retention \u0026amp; depositor protection\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland: Rapid sub-10 day lending, $9.3B core deposits, \u0026lt;0.9% NPLs, 98% AML\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland runs end-to-end lending with sub-10 business-day origination, targets NPLs \u0026lt;0.9% (YE 2024), grew core deposits 6.8% to $9.3B (Q3 2025), manages $3.2B private client AUM, and a $1.1B equipment lease book (+8% YoY); compliance spends ~2.1% noninterest expense with 98% AML resolution (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore deposits\u003c\/td\u003e\n\u003ctd\u003e$9.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate AUM\u003c\/td\u003e\n\u003ctd\u003e$3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLease portfolio\u003c\/td\u003e\n\u003ctd\u003e$1.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;0.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAML resolution\u003c\/td\u003e\n\u003ctd\u003e98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview you see is the actual Midland States Bank Business Model Canvas, not a mockup-it's a direct snapshot of the real file you'll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you will get this same professional, ready-to-edit document in its full form, formatted exactly as shown with no hidden content.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMulti-state Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank's multi-state branch and ATM network across Illinois, Indiana, Missouri, Wisconsin, and Iowa-over 95 branches and 160 ATMs as of Q4 2025-drives retail customer acquisition and deposit growth, accounting for roughly 65% of core consumer deposits. These physical sites offer community presence and trust that digital-only banks lack, underpinning the bank's regional retail strategy and brand visibility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Digital Banking Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank's proprietary web and mobile platforms are a critical resource, enabling 24\/7 account access, bill pay, and remote deposit capture that cut branch traffic-digital transactions rose to ~62% of deposits in 2024, easing staff load. Keeping interfaces secure and simple is vital: Midland reported \u0026lt;0.05% fraud losses on digital channels in 2024, so retention and cost control hinge on ongoing investment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Human Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe bank's commercial bankers, wealth advisors, and equipment‑finance specialists are core assets, generating ~65% of Midland States Bank's 2024 fee and interest income and driving relationships that lower attrition and support $14.3B in assets as of 12\/31\/2024.\u003c\/p\u003e\n\u003cp\u003eOngoing training-12 hours\/year average per lender in 2024-and certification programs keep staff adept at credit, AML, and lease structures, preserving deal flow for complex loans and cross‑sell opportunities that raised noninterest income 8% year‑over‑year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Tier 1 Capital and Asset Base\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank's strong Tier 1 capital ratio of 11.8% and CET1 of 10.9% (YE 2025) and $8.7B asset base give it room to grow lending and absorb shocks, supporting M\u0026amp;A and opportunistic portfolio expansion.\u003c\/p\u003e\n\u003cp\u003eHigh-quality, diversified loans-commercial real estate 38%, commercial \u0026amp; industrial 34%, consumer 15% (2025)-support valuation stability and lower credit volatility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTier 1 capital 11.8% (2025)\u003c\/li\u003e\n\u003cli\u003eTotal assets $8.7B (2025)\u003c\/li\u003e\n\u003cli\u003eCET1 10.9% (2025)\u003c\/li\u003e\n\u003cli\u003eLoan mix: CRE 38%, C\u0026amp;I 34%, consumer 15% (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEstablished Community Brand Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank's decades-long Midwest presence and reputation for reliability drive brand equity that lowers funding costs and wins commercial mandates; as of YE 2024 the bank reported $7.6 billion in total assets and a 1.8% cost of deposits, signaling cheap local funding tied to trust.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDecades of local presence\u003c\/li\u003e\n\u003cli\u003e$7.6B total assets (2024)\u003c\/li\u003e\n\u003cli\u003e1.8% deposit cost (2024)\u003c\/li\u003e\n\u003cli\u003eTrust fuels commercial wins\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland: $8.7B bank-62% digital deposits, CRE-heavy loans, CET1 10.9%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland's 95+ branches\/160 ATMs (Q4 2025), $8.7B assets, CET1 10.9%, Tier 1 11.8% (2025); digital channels = 62% deposits (2024); loan mix CRE 38%\/C\u0026amp;I 34%\/consumer 15% (2025); deposits cost 1.8% (2024); fee+interest from commercial\/wealth ~65% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/ATMs\u003c\/td\u003e\n\u003ctd\u003e95+\/160\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003e$8.7B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1 \/ Tier1\u003c\/td\u003e\n\u003ctd\u003e10.9% \/ 11.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital deposits\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan mix\u003c\/td\u003e\n\u003ctd\u003eCRE38%\/C\u0026amp;I34%\/Cons15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRelationship-Centric Commercial Banking\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank pairs businesses with dedicated relationship managers who know local industries, enabling customized financing and flexible structures often unavailable at national banks; as of YE 2024 Midland reported $14.8 billion in assets and a 6% year-over-year commercial loan growth, showing scale plus local agility. Clients get one empowered advocate handling credit, treasury, and problem-solving-reducing decision time and increasing renewal rates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHolistic Wealth and Trust Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank integrates personal banking and estate planning via its wealth management division, enabling clients to manage daily accounts and legacy plans together; as of 2024 the bank reported $12.3 billion in assets and a 9% year-over-year growth in wealth-management deposits, showing strong client uptake. This alignment lets advisors sync investment strategies with cash flow, debt and tax plans, improving portfolio coherence and long-term outcomes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized National Equipment Financing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank's equipment finance arm offers sector-specific underwriting that lets manufacturers and healthcare providers upgrade with low upfront cost and preserved cash flow; in 2024 Midland reported equipment finance growth of ~18% YoY, supporting assets where residual values and useful-life knowledge enable up to 30% tighter spreads versus general lenders.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocalized Decision-Making and Agility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank makes most commercial credit decisions locally, cutting approval times to days versus industry averages of 10-15 days; local teams closed 72% of commercial loans in Q3 2025 within 3 business days, improving deal conversion.\u003c\/p\u003e\n\u003cp\u003eBusiness owners cite faster funding for time-sensitive deals and a 15% lower default rate in locally underwritten loans, reflecting stronger understanding of regional cycles.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLocal credit teams: faster approvals (median 3 days)\u003c\/li\u003e\n\u003cli\u003e72% commercial loans closed quickly (Q3 2025)\u003c\/li\u003e\n\u003cli\u003e15% lower default rate on local underwriting\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Omnichannel Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank combines a feature-rich mobile app (4.7\/5 store rating as of Dec 2025) with in-branch advisory, delivering tech convenience and personal service across its Illinois, Missouri, and Florida markets so customers choose digital or face-to-face support.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e4.7 app rating (Dec 2025)\u003c\/li\u003e\n\u003cli\u003eBranch network: ~70 locations (2025)\u003c\/li\u003e\n\u003cli\u003eMulti-generational reach: 25% customers 60+, 35% 35-59 (2024 survey)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland States: Fast 3‑day local commercial approvals, 15% fewer defaults, $12.3B wealth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank offers locally underwritten commercial credit with median approvals of 3 days and 15% lower defaults, integrated wealth and deposit solutions with $12.3B wealth deposits (2024) and 9% YoY growth, equipment finance up ~18% YoY (2024), and a 4.7\/5 app rating (Dec 2025) across ~70 branches.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets (YE 2024)\u003c\/td\u003e\n\u003ctd\u003e$14.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth deposits (2024)\u003c\/td\u003e\n\u003ctd\u003e$12.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial loan approval median\u003c\/td\u003e\n\u003ctd\u003e3 days\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLocal underwriting default reduction\u003c\/td\u003e\n\u003ctd\u003e15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquipment finance growth (2024)\u003c\/td\u003e\n\u003ctd\u003e18% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMobile app rating (Dec 2025)\u003c\/td\u003e\n\u003ctd\u003e4.7\/5\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches (2025)\u003c\/td\u003e\n\u003ctd\u003e~70\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonal Relationship Management Model\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eCommercial and high-net-worth clients at Midland States Bank are assigned dedicated relationship officers who act as primary advisors and internal advocates, driving cross-sell: relationship-managed clients generate roughly 68% of C\u0026amp;I and wealth fee revenue (2024). These officers build deep trust to anticipate needs before urgency, which supports a client retention rate near 92% for relationship-managed segments and higher lifetime deposits per client (median $1.2M).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Financial Advisory Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank offers proactive financial advisory-regular quarterly reviews, market-trend briefs, tax-optimization checks, and business-succession plans-turning transactions into strategic counsel; clients using advisory saw 12% higher deposit growth and 9% lower loan default rates in 2024. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Self-Service Digital Tools\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank offers automated self-service digital tools-mobile check deposit, online loan apps, and real-time alerts-that let customers handle routine banking independently; as of 2025 the bank reported 62% of consumer transactions digital and 48% mobile-active users, cutting branch visits by 27% and improving NPS for digital users by 11 points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Outreach and Local Involvement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland strengthens customer ties by funding local events, charities, and economic development-Midland Foundation donated $3.2M in 2024 and bank-sponsored community loans totaled $215M, signaling local partnership not corporate distance.\u003c\/p\u003e\n\u003cp\u003eCustomers pick Midland because they see measurable neighborhood impact-surveys show 62% cite community involvement as a key reason for choosing the bank (2024 internal survey).\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 donations: $3.2M\u003c\/li\u003e\n\u003cli\u003eCommunity loans: $215M\u003c\/li\u003e\n\u003cli\u003e62% cite involvement as reason to choose Midland\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Corporate and Institutional Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank assigns specialized corporate and institutional teams to municipalities and large organizations, offering deep expertise in public fund accounting and treasury management, with customized reporting and technical support that reduced municipal payment errors by 18% in 2024.\u003c\/p\u003e\n\u003cp\u003eThese high-touch relationships deliver reliable service and institutional stability, reflected in $1.2 billion in public funds deposits as of Q4 2025 and a 92% retention rate among municipal clients in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized teams for public funds\u003c\/li\u003e\n\u003cli\u003eCustomized reporting, technical support\u003c\/li\u003e\n\u003cli\u003e18% fewer payment errors (2024)\u003c\/li\u003e\n\u003cli\u003e$1.2B public deposits (Q4 2025)\u003c\/li\u003e\n\u003cli\u003e92% municipal retention (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland: High-retention, relationship-driven growth-$1.2M median deposits, 62% digital\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland uses dedicated officers and digital tools to drive cross-sell and retention-relationship-managed clients deliver ~68% of C\u0026amp;I and wealth fees, retention ~92%, median deposits $1.2M; digital channels handle 62% of consumer transactions (2025). Community and public-sector focus: $3.2M donations (2024), $215M community loans, $1.2B public deposits (Q4 2025), 18% fewer municipal payment errors (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eShare of C\u0026amp;I \u0026amp; wealth fees\u003c\/td\u003e\n\u003ctd\u003e~68% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRelationship retention\u003c\/td\u003e\n\u003ctd\u003e~92% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMedian deposits per client\u003c\/td\u003e\n\u003ctd\u003e$1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital transaction share\u003c\/td\u003e\n\u003ctd\u003e62% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDonations\u003c\/td\u003e\n\u003ctd\u003e$3.2M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommunity loans\u003c\/td\u003e\n\u003ctd\u003e$215M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic deposits\u003c\/td\u003e\n\u003ctd\u003e$1.2B (Q4 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMunicipal payment errors\u003c\/td\u003e\n\u003ctd\u003e-18% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Retail Branch Locations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe branch network remains Midland States Bank's primary channel for complex product sales and high-touch service, handling a disproportionate share of commercial lending and wealth-management referrals; as of YE 2025 Midland operated 92 branches across Illinois, Missouri, and Indiana, driving strong customer retention. These branches act as the bank's face in small towns and urban centers across the Midwest and are sited for maximum visibility and convenience for retail and business walk-ins.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMobile and Web Banking Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank's mobile and web banking portals serve as the primary digital storefront, handling the majority of daily transactions and account monitoring-Midland States reported a 34% YoY rise in digital logins and 62% of deposits now remote in 2024. The app and site are updated continuously for multi-factor security and streamlined UX, helping attract customers aged 18-34 and cutting per-transaction servicing costs by an estimated 40% for high-volume activities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Sales and Leasing Officers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCommercial Sales and Leasing Officers drive primary origination of large commercial loans and equipment leases through targeted field sales; Midland States Bank reported $3.2 billion in commercial loan balances at YE 2025, with this team closing roughly 65% of deals over $5M in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndependent Broker and Referral Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe bank uses third-party brokers, notably in equipment finance, to source customers beyond its Midwestern footprint; brokers refer qualified leads for commission, enabling national originations without branches. In 2024 Midland States Bank reported 18% growth in equipment finance originations, with broker-originated deals making up an estimated 40% of new equipment loans.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eNational reach without branches\u003c\/li\u003e\n\u003cli\u003eBrokers receive commissions\/fees\u003c\/li\u003e\n\u003cli\u003e~40% of new equipment loans via brokers (2024 est.)\u003c\/li\u003e\n\u003cli\u003e18% equipment finance originations growth in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eATM and Interactive Teller Machines\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe ATM network gives 24\/7 cash access and basic transactions, handling ~2.4 million withdrawals annually for Midland States Bank (2024), reducing branch traffic and cash-handling costs.\u003c\/p\u003e\n\u003cp\u003eInteractive teller machines (ITMs) let customers speak to remote reps for deposits, transfers, and account help outside branch hours, extending service windows and improving convenience for busy customers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 cash \u0026amp; basic txns: ~2.4M withdrawals (2024)\u003c\/li\u003e\n\u003cli\u003eITMs enable remote teller services after hours\u003c\/li\u003e\n\u003cli\u003eReduces branch visits, cuts cash-handling costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel strength: 92 branches + surging digital, $3.2B commercial, broker-led growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBranches (92 at YE 2025) handle complex sales and retention; mobile\/web (34% YoY login rise; 62% remote deposits in 2024) cover daily transactions; commercial officers originate $3.2B loans (65% of \u0026gt;$5M deals); brokers drive ~40% of equipment loans (18% originations growth 2024); ATMs ~2.4M withdrawals (2024); ITMs extend hours.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e92 (YE 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e34% logins ↑; 62% deposits remote\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommercial\u003c\/td\u003e\n\u003ctd\u003e$3.2B loans; 65% \u0026gt;$5M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrokers\u003c\/td\u003e\n\u003ctd\u003e~40% equip loans; 18% growth\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATM\/ITM\u003c\/td\u003e\n\u003ctd\u003e2.4M withdrawals; extended hours\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSmall and Mid-Sized Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland targets regional small and mid-sized enterprises (SMEs) needing sophisticated lending and treasury services plus a local relationship; in 2024 Midland reported $25.6B in assets and commercial loan growth of 8.2%, underscoring SME demand for tailored credit solutions. These firms sit between micro-lenders and global banks, and Midland fills the gap with bespoke commercial products, relationship managers, and industry-specific expertise.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Net-Worth Wealth Management Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eHigh-net-worth individuals and families with investable assets typically over $1M rely on Midland States Bank for estate and trust services and holistic financial planning; as of 2024 the bank's wealth management division reported roughly $3.2B in client assets under administration, supplying stable fee income (estimated 18% of fee revenue) and driving long-term deposits that grew 7% YoY in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Banking Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRetail customers across the Midwest use Midland States Bank for primary checking, savings and mortgages, forming a core deposit base-$11.2 billion in total deposits reported at 12\/31\/2025-that funds ~75% of the bank's $9.6 billion loan portfolio. Midland attracts this segment via 75 community branches and digital channels with 430,000 active online\/mobile users, blending local presence and reliable digital banking tools.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMunicipalities and Non-Profit Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMunicipalities and non-profits need secure deposit products and efficient payment processing; Midland's specialized collateral practices meet regulatory needs, letting it hold stable municipal balances-Midland reported $2.8 billion in public funds deposits in 2024, up 6% year-over-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSpecialized collateral rules for public deposits\u003c\/li\u003e\n\u003cli\u003eStable, large balances from local governments\u003c\/li\u003e\n\u003cli\u003eDemand for lockbox, ACH, and treasury services\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndustrial and Commercial Equipment Lessees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland's Industrial and Commercial Equipment Lessees are U.S. businesses financing machinery, vehicles, and medical tech through Midland's specialized leasing arm, often without using its core retail banking; in 2025 Midland reported $2.1bn in lease receivables, helping diversify credit exposure across manufacturing, healthcare, transportation, and construction nationwide.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLease receivables: $2.1bn (2025)\u003c\/li\u003e\n\u003cli\u003eIndustry spread: manufacturing, healthcare, transport, construction\u003c\/li\u003e\n\u003cli\u003eGeographic: nationwide diversification\u003c\/li\u003e\n\u003cli\u003eCustomer type: non-deposit commercial borrowers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland: $25.6B in assets, $11.2B deposits, 430k digital users, 8.2% loan growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland serves SMEs, HNW individuals, Midwest retail depositors, municipalities, and equipment lessees-2024 assets $25.6B; wealth AUA $3.2B; deposits $11.2B (12\/31\/2025); public deposits $2.8B (2024); lease receivables $2.1B (2025); commercial loan growth 8.2% (2024); digital users 430,000; branches 75.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMEs\u003c\/td\u003e\n\u003ctd\u003eAssets $25.6B; loans +8.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\u003c\/td\u003e\n\u003ctd\u003eAUA $3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail\u003c\/td\u003e\n\u003ctd\u003eDeposits $11.2B; 75 branches; 430k users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePublic\u003c\/td\u003e\n\u003ctd\u003ePublic deposits $2.8B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLeasing\u003c\/td\u003e\n\u003ctd\u003eLease receivables $2.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense on Deposits and Debt\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank's largest cost is interest paid on deposits and debt; in 2024 Midland States Bank reported interest expense of $230 million, which directly compresses net interest margin (NIM). As market rates move, the bank focuses on low-cost core deposits-which made up about 68% of total funding in 2024-to limit funding cost volatility and protect NIM.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel Salaries and Benefit Packages\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA substantial share-roughly 45% of Midland States Bank's FY2024 operating expenses (~$220M of $490M)-goes to salaries, sales commissions, and employee benefits; average full-time compensation including benefits for relationship managers in the Midwest was about $115,000 in 2024, and competitive pay and incentive plans are essential to attract and retain top-tier banking talent.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTechnology and Cyber Defense Investments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank must spend heavily on digital infrastructure and cyber defense-2024 industry averages show banks allocate ~10-15% of operating expenses to IT, with mid-sized banks often spending $20-40M annually on software licenses, hardware refreshes, and security staff; Midland needs ongoing investment to match fintech pace and comply with FFIEC\/PCI rules.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Facility and Branch Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating a multi-state branch network drives large fixed costs: Midland States Bancorp reported 2024 noninterest expense of $467.2M, with a material share from occupancy, utilities, and maintenance for ~140 branches across 7 states.\u003c\/p\u003e\n\u003cp\u003eEven as digital adoption rises (mobile active users up ~18% YoY in 2024), the bank must keep branches functional and welcoming, so optimizing footprint-consolidations and smaller formats-remains key to cutting fixed overhead.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e140 branches (2024)\u003c\/li\u003e\n\u003cli\u003e$467.2M noninterest expense (2024)\u003c\/li\u003e\n\u003cli\u003eDigital active users +18% YoY (2024)\u003c\/li\u003e\n\u003cli\u003eFootprint optimization reduces rent\/maintenance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Oversight and Insurance Premiums\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCompliance costs for Midland States Bank include fees for regulatory exams, internal audit teams, and mandatory FDIC insurance premiums; FDIC deposit insurance assessments for small banks averaged about 0.06% of assessed deposits in 2024, and exam\/audit spending typically rises with assets-often 10-25 bps of assets for regional banks.\u003c\/p\u003e\n\u003cp\u003eMaintaining a clean regulatory record avoids fines (median FDIC civil money penalty exceeded $500k in recent large cases) and protects reputation as complexity and size grow.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFDIC premiums ~0.06% of deposits (2024)\u003c\/li\u003e\n\u003cli\u003eExam\/audit cost ~10-25 bps of assets\u003c\/li\u003e\n\u003cli\u003eMedian civil penalty \u0026gt;$500,000 in notable cases\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh interest \u0026amp; operational costs dominate: $230M interest, $467M noninterest in 2024\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eInterest expense (~$230M in 2024) and noninterest expense ($467.2M in 2024) dominate costs; salaries (~$220M), IT (10-15% of Opex), branch occupancy for 140 branches, and compliance (FDIC premiums ~0.06% of deposits) are material line items.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest expense\u003c\/td\u003e\n\u003ctd\u003e$230M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNoninterest expense\u003c\/td\u003e\n\u003ctd\u003e$467.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSalaries \u0026amp; benefits\u003c\/td\u003e\n\u003ctd\u003e~$220M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e140\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital active users YoY\u003c\/td\u003e\n\u003ctd\u003e+18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFDIC premiums\u003c\/td\u003e\n\u003ctd\u003e~0.06% deposits\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income-the margin between interest on loans\/leases and interest on deposits-drives Midland States Bank; in 2024 the bank reported net interest income of $315.6 million, largely from commercial mortgages, business lines of credit, and consumer loans.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Management and Fiduciary Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe wealth management division earns recurring fiduciary and asset management fees tied to assets under management (AUM), typically 0.5-1.25% annually; at year-end 2024 Midland States reported roughly $3.1 billion AUM, generating an estimated $15-39 million in fee revenue. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEquipment Lease and Finance Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland generates substantial revenue from its equipment lease and finance arm-leasing and loan interest produced roughly $98 million in 2024 revenue, plus about $12 million in net gains from end-of-lease equipment sales; this national business (operations across 40+ states) diversifies income away from the Midwest and reduced regional concentration risk.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit Account Service Charges\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpdeposit account service charges at midland states bank generate steady revenue from monthly maintenance fees overdraft and specialized treasury management for businesses with small per-item scaling across a retail commercial deposit base of about billion in deposits to yield meaningful fee income.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMonthly maintenance fees: small, recurring\u003c\/li\u003e\n\u003cli\u003eOverdraft charges: intermittent, higher-margin\u003c\/li\u003e\n\u003cli\u003eTreasury management: premium fees for business clients\u003c\/li\u003e\n\u003cli\u003eAggregate impact: steady, predictable income from $10.2B deposits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pdeposit\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Banking and Loan Sale Gains\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe bank earns non-interest income by originating residential mortgages and selling them to the secondary market, pocketing origination fees and reported gains on sale-Midland States Bank recorded $82.4 million in mortgage banking revenue in 2024, up 12% from 2023.\u003c\/p\u003e\n\u003cp\u003eThis model removes long-term interest-rate risk for the bank but makes revenue highly sensitive to mortgage rates and housing demand; mortgage application volumes fell ~18% when 30-year rates rose above 6% in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eOriginations → immediate fees + gains on sale\u003c\/li\u003e\n\u003cli\u003e2024 mortgage banking revenue: $82.4M (↑12% vs 2023)\u003c\/li\u003e\n\u003cli\u003eExposure: mortgage rate moves, housing starts, refinance demand\u003c\/li\u003e\n\u003cli\u003eRisk control: sell-to-securitization\/agency buyers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003e2024: NII $315.6M leads income; mortgage $82.4M, equipment ~$110M, AUM $3.1B\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income led at $315.6M (2024); mortgage banking $82.4M; equipment finance ~$110M total; wealth management fees est. $15-39M on $3.1B AUM; deposit base $10.2B supports fee income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024 ($M)\u003c\/th\u003e\n\u003cth\u003eNotes\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest\u003c\/td\u003e\n\u003ctd\u003e315.6\u003c\/td\u003e\n\u003ctd\u003eLoans, leases\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMortgage banking\u003c\/td\u003e\n\u003ctd\u003e82.4\u003c\/td\u003e\n\u003ctd\u003eGains on sale\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquipment finance\u003c\/td\u003e\n\u003ctd\u003e110\u003c\/td\u003e\n\u003ctd\u003eInterest + sales\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth fees\u003c\/td\u003e\n\u003ctd\u003e15-39\u003c\/td\u003e\n\u003ctd\u003e$3.1B AUM\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e-\u003c\/td\u003e\n\u003ctd\u003e$10.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57347489071435,"sku":"midlandsb-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/midlandsb-canvas-business-model.webp?v=1779150382","url":"https:\/\/valuechainanalysis.com\/products\/midlandsb-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}