Bank · FDIC insured
Midland States Bank
A $6.7B bank, the 228th largest of 4,207, headquartered in Effingham, IL, with 55 branches in 2 states.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings730.10%3.25% with extra requirementsSavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Midland States Bank
- Headquarters
- 1201 Network Centre Dr, Effingham, IL 62401
- FDIC certificate
- 1040 ↗
Branches
55 branches in 2 states
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Illinois
44 branches
Rockford area · 10
- Belvidere Office600 S State St, Belvidere, IL 61008Directions
- Gateway Center Branch1988 Gateway Center Dr, Belvidere, IL 61008Directions
- Machesney Facility613 Harlem Rd, Machesney Park, IL 61115Directions
- Cherry Valley Branch1972 Pawlisch Dr, Rockford, IL 61112Directions
- Mill Road Branch233 N Mill Rd, Rockford, IL 61107Directions
- North Main Branch1401 North Ave, Rockford, IL 61103Directions
- Rockford Alpine Branch1700 N Alpine Rd, Rockford, IL 61107Directions
- Rockford Facility6838 E State St, Rockford, IL 61108Directions
- Springcreek Branch2218 N Mulford Rd, Rockford, IL 61107Directions
- Roscoe Branch5023 Rockrose Ct, Roscoe, IL 61073Directions
Kankakee area · 8
- Bourbonnais Branch680 S Main St, Bourbonnais, IL 60914Directions
- Bourbonnais Branch576 Latham Dr, Bourbonnais, IL 60914Directions
- 980 North Bradley Boulevard Office Branch980 N Bradley Blvd, Bradley, IL 60915Directions
- Grant Park Branch119 N Main St, Grant Park, IL 60940Directions
- Herscher Branch654 N Park Rd, Herscher, IL 60941Directions
- Kankakee Branch255 E Station St, Kankakee, IL 60901Directions
- Manteno Branch303 Section Line Rd, Manteno, IL 60950Directions
- Momence Branch200 W Washington St, Momence, IL 60954Directions
Chicago area · 7
- Beecher Banking Center Branch951 Dixie Hwy, Beecher, IL 60401Directions
- Diamond Connection Facility1275 E Division St, Diamond, IL 60416Directions
- Joliet Chicago Street Branch100 N Chicago St, Joliet, IL 60432Directions
- Joliet Il Branch1540 Route 59, Joliet, IL 60431Directions
- Mokena Branch11100 Front St, Mokena, IL 60448Directions
- Sandwich Branch202 Indian Springs Dr, Sandwich, IL 60548Directions
- East Veterans Parkway Branch208 E Veterans Pkwy, Yorkville, IL 60560Directions
St. Louis area · 5
- Columbia Branch200 Quarry Rd, Columbia, IL 62236Directions
- Greenville Branch318 W College Ave, Greenville, IL 62246Directions
- Smithton Branch514 S Main St, Smithton, IL 62285Directions
- Waterloo Drive-Up Branch101 N Main St, Waterloo, IL 62298Directions
- Waterloo North Branch812 N Market St, Waterloo, IL 62298Directions
Ottawa area · 5
- Mendota Branch609 8th Ave, Mendota, IL 61342Directions
- Triumph/Ottawa Branch400 E Etna Rd, Ottawa, IL 61350Directions
- North Peru Branch2825 Plaza Dr, Peru, IL 61354Directions
- Princeton Branch815 S Main St, Princeton, IL 61356Directions
- Streator Main Branch201 E Main St, Streator, IL 61364Directions
Sterling area · 2
- Rock Falls Center Facility941 1st Ave, Rock Falls, IL 61071Directions
- New Sterling Branch4400 E Lincolnway, Sterling, IL 61081Directions
Centralia area · 1
- Centralia Branch200 S Poplar St, Centralia, IL 62801Directions
Champaign area · 1
- Champaign Branch1617 W Springfield Ave, Champaign, IL 61821Directions
Dixon area · 1
- North Branch212 N Hennepin Ave, Dixon, IL 61021Directions
Pontiac area · 1
- Dwight Branch302 W Mazon Ave, Dwight, IL 60420Directions
Effingham area · 1
- Effingham Main Branch110 S 5th St, Effingham, IL 62401Directions
Farina area · 1
- Farina Branch300 W Madison St, Farina, IL 62838Directions
Vandalia area · 1
- Vandalia Branch1611 Veterans Ave, Vandalia, IL 62471Directions
Missouri
11 branches
- Arnold Branch1920 Richardson Rd, Arnold, MO 63010Directions
- Jennings Branch8021 West Florissant Ave, Jennings, MO 63136Directions
- O'Fallon Branch2341 Highway K, O'Fallon, MO 63368Directions
- St. Charles Branch5991 S Highway 94, St. Charles, MO 63304Directions
- St. Clair Branch815 N Commercial Ave, St. Clair, MO 63077Directions
- Clayton Branch7818 Bonhomme Ave, St. Louis, MO 63105Directions
- Ladue Branch9925 Clayton Rd, St. Louis, MO 63124Directions
- Manchester Avenue Branch4321 Manchester Ave, St. Louis, MO 63110Directions
- Rock Hill Branch9877 Manchester Rd, St. Louis, MO 63119Directions
- Sunset Hills Branch11670 Gravois Rd, St. Louis, MO 63126Directions
- Town & Country Branch13402 Clayton Rd, St. Louis, MO 63131Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.08% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.43% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.22% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $74 | $88 | — |
- CapitalLeverage ratio10.08%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.43%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.22%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$74Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Midland States Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.