Midland States Bancorp Q2 net income $17.7M, EPS $0.82, NIM expands to 3.98%

Midland States Bancorp, Inc.

Net income available to common shareholders $17.7M ($0.82 diluted EPS) vs $16.2M ($0.74) in Q1 2026 and $9.8M ($0.44) in Q2 2025.
Net interest margin expanded to 3.98% from 3.91% QoQ; adjusted PPNR $32.8M (2.01% of avg assets).
Total deposits increased $267M; Community Bank loan portfolio grew $6.3M while total loans declined $94.9M on specialty finance runoff.
Capital strengthened: CET1 ratio 10.39%, total capital to risk-weighted assets 15.77%; nonperforming assets flat at 0.91%.
Trust assets under administration rose to $4.78B from $4.47B in prior quarter.

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