Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 5.15% is 31% below its 5-year average of 7.43%, near the low end of its 5-year range (5.15%–10.05%).
As of the fiscal period ended Tuesday, June 30, 2026. 17.92% below its 12-month average of 6.27%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 5.15%.
DEBT TO ASSETS RATIO
5.15%
DEBT TO ASSETS RATIO AVG TTM
6.27%
DEBT TO ASSETS RATIO AVG 3Y
7.14%
DEBT TO ASSETS RATIO AVG 5Y
7.43%
DEBT TO ASSETS RATIO AVG 10Y
10.66%
DEBT TO ASSETS RATIO AVG 15Y
9.57%
DEBT TO ASSETS RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
-17.92%
CURRENT VS 3Y AVG
-27.89%
CURRENT VS 5Y AVG
-30.74%
CURRENT VS 10Y AVG
-51.70%
CURRENT VS 15Y AVG
-46.22%
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 611 covered companies
CURRENT VS SECTOR MEDIAN
+10194.40%
vs the sector median at left
Midland States Bancorp, Inc.
Market Cap
$700.46M
Debt to Assets Ratio
5.15%
TTM Avg
6.27%
3Y Avg
7.14%
5Y Avg
7.43%
Market Cap
$698.47M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$703.05M
Debt to Assets Ratio
0.61%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$697.34M
Debt to Assets Ratio
0.04%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$686.27M
Debt to Assets Ratio
0.05%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$683.83M
Debt to Assets Ratio
0.47%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$683.16M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$681.47M
Debt to Assets Ratio
0.06%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$676.11M
Debt to Assets Ratio
0.01%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Midland States Bancorp, Inc. (MSBIP) | $700.46M | 5.15% | 6.27% | 7.14% | 7.43% |
| California BanCorp (BCAL)vs › | $698.47M | 0.01% | N/A | N/A | N/A |
| MidCap Financial Investment Corporation (MFIC)vs › | $703.05M | 0.61% | N/A | N/A | N/A |
| Peoples Financial Services Corp. (PFIS)vs › | $697.34M | 0.04% | N/A | N/A | N/A |
| Midland States Bancorp, Inc. (MSBI)vs › | $686.27M | 0.05% | N/A | N/A | N/A |
| OFS Credit Company, Inc. (OCCIN)vs › | $683.83M | 0.47% | N/A | N/A | N/A |
| Red River Bancshares, Inc. (RRBI)vs › | $683.16M | 0.00% | N/A | N/A | N/A |
| Farmers National Banc Corp. (FMNB)vs › | $681.47M | 0.06% | N/A | N/A | N/A |
| Donegal Group Inc. (DGICA)vs › | $676.11M | 0.01% | N/A | N/A | N/A |
| Carter Bankshares, Inc. (CARE)vs › | $674.62M | 0.00% | N/A | N/A | N/A |
Debt/Assets
5.1%
Debt/Equity
0.61
Current ratio and interest coverage is unavailable for Midland States Bancorp, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 5.15% |
| 2026-03-31 | 6.39% |
| 2025-12-31 | 5.84% |
| 2025-09-30 | 7.91% |
| 2025-06-30 | 6.07% |
| 2025-03-31 | 8.46% |
| 2024-12-31 | 5.64% |
| 2024-09-30 | 6.73% |
| 2024-06-30 | 9.01% |
| 2024-03-31 | 7.19% |
| 2023-12-31 | 7.68% |
| 2023-09-30 | 8.14% |
| 2023-06-30 | 8.59% |
| 2023-03-31 | 7.73% |
| 2022-12-31 | 8.20% |
| 2022-09-30 | 7.13% |
| 2022-06-30 | 6.62% |
| 2022-03-31 | 7.08% |
| 2021-12-31 | 7.21% |
| 2021-09-30 | 9.25% |
| 2021-06-30 | 10.05% |
| 2021-03-31 | 11.36% |
| 2020-12-31 | 14.99% |
| 2020-09-30 | 13.94% |
| 2020-06-30 | 14.38% |
| 2020-03-31 | 13.23% |
| 2019-12-31 | 12.60% |
| 2019-09-30 | 14.57% |
| 2019-06-30 | 14.44% |
| 2019-03-31 | 15.78% |
| 2018-12-31 | 15.23% |
| 2018-09-30 | 15.58% |
| 2018-06-30 | 15.48% |
| 2018-03-31 | 14.19% |
| 2017-12-31 | 16.91% |
| 2017-09-30 | 16.02% |
| 2017-06-30 | 13.92% |
| 2017-03-31 | 12.71% |
| 2016-12-31 | 13.10% |
| 2016-09-30 | 13.25% |
| 2016-06-30 | 9.17% |
| 2016-03-31 | 7.03% |
| 2015-12-31 | 7.26% |
| 2015-09-30 | 9.14% |
| 2015-06-30 | 9.72% |
| 2015-03-31 | 8.94% |
| 2014-12-31 | 7.90% |
| 2014-09-30 | 6.14% |
| 2014-06-30 | 5.26% |
| 2014-03-31 | 5.44% |
| 2013-12-31 | 5.33% |
| 2013-09-30 | 5.44% |
| 2013-06-30 | 5.93% |
| 2013-03-31 | 5.88% |
| 2012-12-31 | 0.00% |
| 2011-03-31 | 4.98% |
