Midland States Bancorp (MSBIP) Debt/Equity Ratio: History & Chart

Midland States Bancorp, Inc.(MSBIP)

Banks - Regional · Effingham, IL

$25.33+0.01 (+0.04%)

Delayed quote: Oct 6, 2026, 12:44 PM EDT

About Midland States Bancorp, Inc.

Midland States Bancorp, Inc. functions as the financial holding company for Midland States Bank, delivering a comprehensive array of banking and financial services. Its clientele is diverse, encompassing individuals, businesses, local governments, and various other organizations. The company's operations are segmented into Banking, Wealth Management, and Other divisions. Customers can access a range of deposit products, including checking, savings, money market, and sweep accounts, in addition to certificates of deposit. For commercial and business clients, the company extends term loans for capital equipment, lines of credit to support working capital and operational needs, and commercial real estate financing for owner-occupied, non-owner-occupied, and agricultural land. It also provides construction and land development loans for commercial investment properties, residential developments, individual home construction, and owner-user properties. On the consumer side, offerings include residential real estate loans, home equity lines of credit, and installment loans for purchasing vehicles, recreational items, major appliances, and funding home improvement projects. Beyond traditional banking, Midland States Bancorp offers commercial equipment leasing and a full suite of trust and wealth management services. These encompass financial and estate planning, trustee and custodial services, investment management, tax and insurance planning, business planning, corporate retirement plan consulting and administration, and retail brokerage. Founded in 1881 and headquartered in Effingham, Illinois, the company operated 52 full-service banking branches as of December 31, 2021.

Effingham, IL

861 employees

www.midlandsb.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Jeffrey G. Ludwig

View full financials

MSBIP Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.61

DEBT TO EQUITY RATIO AVG TTM

0.74

DEBT TO EQUITY RATIO AVG 3Y

0.78

DEBT TO EQUITY RATIO AVG 5Y

0.81

DEBT TO EQUITY RATIO AVG 10Y

1.09

DEBT TO EQUITY RATIO AVG 15Y

1.00

DEBT TO EQUITY RATIO AVG 20Y

N/A

CURRENT VS TTM AVG

-18.51%

CURRENT VS 3Y AVG

-22.29%

CURRENT VS 5Y AVG

-24.93%

CURRENT VS 10Y AVG

-44.26%

CURRENT VS 15Y AVG

-39.66%

CURRENT VS 20Y AVG

N/A

SECTOR MEDIAN · FINANCIAL SERVICES

0.27

median of 662 covered companies

CURRENT VS SECTOR MEDIAN

+124.23%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
Midland States Bancorp, Inc. (MSBIP)	$700.18M	0.61	0.74	0.78	0.81
MidCap Financial Investment Corporation (MFIC)vs ›	$701.40M	1.58	1.39	1.43	1.45
California BanCorp (BCAL)vs ›	$697.17M	0.09	0.15	0.25	0.22
Peoples Financial Services Corp. (PFIS)vs ›	$694.76M	0.45	0.42	0.38	0.32
OFS Credit Company, Inc. (OCCIN)vs ›	$683.83M	0.90	0.00	0.13	0.19
Red River Bancshares, Inc. (RRBI)vs ›	$682.93M	0.00	0.01	0.01	0.01
Midland States Bancorp, Inc. (MSBI)vs ›	$681.11M	0.61	0.64	0.72	0.89
Farmers National Banc Corp. (FMNB)vs ›	$679.02M	0.58	0.86	0.86	0.65
Fidus Investment Corporation (FDUS)vs ›	$723.22M	0.39	0.79	0.81	0.84
WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs ›	$726.11M	N/A	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

Midland States Bancorp, Inc. (MSBIP)

$700.18M

0.61

0.74

0.78

0.81

MidCap Financial Investment Corporation (MFIC)vs ›

$701.40M

1.58

1.39

1.43

1.45

California BanCorp (BCAL)vs ›

$697.17M

0.09

0.15

0.25

0.22

Peoples Financial Services Corp. (PFIS)vs ›

$694.76M

0.45

0.42

0.38

0.32

OFS Credit Company, Inc. (OCCIN)vs ›

$683.83M

0.90

0.00

0.13

0.19

Red River Bancshares, Inc. (RRBI)vs ›

$682.93M

0.00

0.01

Midland States Bancorp, Inc. (MSBI)vs ›

$681.11M

0.61

0.64

0.72

0.89

Farmers National Banc Corp. (FMNB)vs ›

$679.02M

0.58

0.86

0.65

Fidus Investment Corporation (FDUS)vs ›

$723.22M

0.39

0.79

0.81

0.84

WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs ›

$726.11M

N/A

Debt to Equity Ratio FAQ

What is the debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The debt to equity ratio for MSBIP stock is 0.61.

Is Midland States Bancorp, Inc.'s debt to equity ratio high or low?

The debt to equity ratio of 0.61 is 25% below its 5-year average of 0.81, near the low end of its 5-year range (0.60–1.08).

What is the TTM average debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The TTM average debt to equity ratio for MSBIP stock is 0.74.

What is the 3Y average debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The 3Y average debt to equity ratio for MSBIP stock is 0.78.

What is the 5Y average debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The 5Y average debt to equity ratio for MSBIP stock is 0.81.

What is the 10Y average debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The 10Y average debt to equity ratio for MSBIP stock is 1.09.

What is the 15Y average debt to equity ratio for Midland States Bancorp, Inc. (MSBIP)?

The 15Y average debt to equity ratio for MSBIP stock is 1.00.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.61
2026-03-31	0.75
2025-12-31	0.67
2025-09-30	0.94
2025-06-30	0.75
2025-03-31	1.08
2024-12-31	0.60
2024-09-30	0.64
2024-06-30	0.89
2024-03-31	0.71
2023-12-31	0.76
2023-09-30	0.85
2023-06-30	0.89
2023-03-31	0.79
2022-12-31	0.85
2022-09-30	0.75
2022-06-30	0.77
2022-03-31	0.81
2021-12-31	0.81
2021-09-30	1.00
2021-06-30	1.03
2021-03-31	1.23
2020-12-31	1.66
2020-09-30	1.50
2020-06-30	1.51
2020-03-31	1.30
2019-12-31	1.16
2019-09-30	1.36
2019-06-30	1.25
2019-03-31	1.43
2018-12-31	1.41
2018-09-30	1.50
2018-06-30	1.50
2018-03-31	1.39
2017-12-31	1.66
2017-09-30	1.55
2017-06-30	1.38
2017-03-31	1.28
2016-12-31	1.32
2016-09-30	1.34
2016-06-30	0.88
2016-03-31	0.85
2015-12-31	0.90
2015-09-30	1.12
2015-06-30	1.17
2015-03-31	1.12
2014-12-31	0.96
2014-09-30	0.70
2014-06-30	0.59
2014-03-31	0.60
2013-12-31	0.62
2013-09-30	0.63
2013-06-30	0.71
2013-03-31	0.67
2012-12-31	0.00
2011-03-31	0.72
2010-03-31	0.00

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.61

2026-03-31

0.75

2025-12-31

0.67

2025-09-30

0.94

2025-06-30

0.75

2025-03-31

1.08

2024-12-31

0.60

2024-09-30

0.64

2024-06-30

0.89

2024-03-31

0.71

2023-12-31

0.76

2023-09-30

0.85

2023-06-30

0.89

2023-03-31

0.79

2022-12-31

0.85

2022-09-30

0.75

2022-06-30

0.77

2022-03-31

0.81

2021-12-31

0.81

2021-09-30

1.00

2021-06-30

1.03

2021-03-31

1.23

2020-12-31

1.66

2020-09-30

1.50

2020-06-30

1.51

2020-03-31

1.30

2019-12-31

1.16

2019-09-30

1.36

2019-06-30

1.25

2019-03-31

1.43

2018-12-31

1.41

2018-09-30

1.50

2018-06-30

1.50

2018-03-31

1.39

2017-12-31

1.66

2017-09-30

1.55

2017-06-30

1.38

2017-03-31

1.28

2016-12-31

1.32

2016-09-30

1.34

2016-06-30

0.88

2016-03-31

0.85

2015-12-31

0.90

2015-09-30

1.12

2015-06-30

1.17

2015-03-31

1.12

2014-12-31

0.96

2014-09-30

0.70

2014-06-30

0.59

2014-03-31

0.60

2013-12-31

0.62

2013-09-30

0.63

2013-06-30

0.71

2013-03-31

0.67

2012-12-31

0.00

2011-03-31

0.72

2010-03-31

0.00

Debt to Equity Ratio: 0.61

MSBIP Debt to Equity Ratio

MSBIP Average Debt to Equity Ratio Chart

MSBIP Current vs Average Debt to Equity Ratio Chart

MSBIP Debt to Equity Ratio Metrics

MSBIP Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

MSBIP Debt to Equity Ratio History

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