IL lenders / Community Bank
Midland States Bank
Community Bank · Effingham, IL · Midland States Bcorp Inc
- Total assets
- $6.5B
- CRE loan book
- $2.5B
- QoQ CRE growth
- -1.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.82% as of Q1 2026 — TX bank median 4.87% (0.95pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.82% | 6.07% |
| Q4 2025 | 5.95% | 6.41% |
| Q3 2025 | 6.24% | 6.52% |
| Q2 2025 | 5.71% | 6.13% |
| Q1 2025 | 5.66% | 6.11% |
| Q4 2024 | 5.76% | 6.29% |
| Q3 2024 | 5.98% | 6.47% |
| Q2 2024 | 5.80% | 6.29% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $2.5B | $276.5M | $375.1M | 278% | $38.3M |
| Q4 2025 | $2.5B | $286.1M | $382.3M | 287% | $43.6M |
| Q3 2025 | $2.5B | $260.1M | $385.4M | 278% | $36.9M |
| Q2 2025 | $2.5B | $258.7M | $442.1M | 266% | $48.5M |
| Q1 2025 | $2.7B | $265.0M | $484.9M | 289% | $112.7M |
| Q4 2024 | $2.8B | $299.8M | $453.0M | 294% | $113.7M |
| Q3 2024 | $2.8B | $422.3M | $354.7M | 282% | $75.7M |
| Q2 2024 | $2.8B | $476.5M | $292.6M | 283% | $77.8M |
Signals
Recent news
- Midland States Bancorp: Improving Asset Quality Drives Earnings - Seeking Alpha — Coverage of Midland States Bank related to earnings reported by seekingalpha.com.Aug 19, 2026
- Midland States Bank named 2025 Illinois SBA 504 Third-Party Lender of the Year - Shaw Local — Coverage of Midland States Bank related to lending reported by shawlocal.com.Jul 31, 2026
- Midland States Bancorp Highlights Strong Q2 2026 Performance - The Globe and Mail — Coverage of Midland States Bank related to commercial real estate and lending reported by theglobeandmail.com.Jul 29, 2026
- Midland States Bancorp (NASDAQ: MSBI) furnishes new investor presentation - Stock Titan — Coverage of Midland States Bank related to commercial real estate and lending reported by stocktitan.net.Jul 28, 2026
- SBA honors Midland States Bank as 2025 Illinois 504 lender - Herald-Review.com — Coverage of Midland States Bank related to lending reported by herald-review.com.Jul 27, 2026
- Midland States Bancorp (NASDAQ: MSBI) Q2 2026 profit and margin update - Stock Titan — Coverage of Midland States Bank related to earnings reported by stocktitan.net.Jul 23, 2026
- Midland States Bancorp, Inc. Announces 2026 Second Quarter Results - Sahm — Coverage of Midland States Bank related to commercial real estate and lending reported by sahmcapital.com.Jul 23, 2026
- Midland States Bancorp Appears Worthy Of A Cautious Upgrade (NASDAQ:MSBI) - Seeking Alpha — Coverage of Midland States Bank related to commercial real estate and lending reported by seekingalpha.com.Jun 2, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Horizon BankCommunity Bank · Michigan City · $2.4B CRE book
- California Bank of Commerce, National AssociationCommunity Bank · San Diego · $2.3B CRE book
- Lake City BankCommunity Bank · Warsaw · $2.8B CRE book
- State Bank of TexasCommunity Bank · Irving · $2.2B CRE book
- First International Bank & TrustCommunity Bank · Watford City · $2.2B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.