Midland States Bancorp Q4 2025 net loss $5.1M; adjusted EPS $0.53; sells equipment finance portfolio

Midland States Bancorp, Inc.

2025-FY EPS reported -$6.12 vs consensus $0.70 ▼ miss (-974.3%)

Net loss available to common shareholders of $5.1M ($0.24 diluted EPS) vs Q3 income of $5.3M ($0.24).
Adjusted earnings available to common shareholders of $11.9M ($0.53 diluted EPS) excludes $21.4M loss on equipment finance sale.
Net interest margin 3.74%, down 5 bps QoQ; cost of deposits fell 17 bps to 1.95%.
Nonperforming assets stable at 1.02% of total assets; allowance for credit losses dropped to 1.59% of loans due to portfolio sale.
Common equity tier 1 capital ratio improved to 9.89%; repurchased $9.6M of common stock in Q4.

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