Midland States Bancorp, Inc. Asset Resilience Ratio

Latest as of June 2026: 24.73%

Midland States Bancorp, Inc. asset resilience ratio. Midland States Bancorp, Inc. (MSBI) has an Asset Resilience Ratio of 24.73% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Midland States Bancorp, Inc. (MSBI) defensive interval to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$1.66 Billion

Cash + Short-term Investments

Total Assets

$6.70 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio of Midland States Bancorp, Inc. (2012–2025)

Asset resilience ratio of Midland States Bancorp, Inc. from 2012 to 2025. This chart shows how Midland States Bancorp, Inc.'s Asset Resilience Ratio has changed over time. Read debt load of Midland States Bancorp, Inc. for a breakdown of total debt and financial obligations.

Liquid Assets Composition Over Time

This chart breaks down Midland States Bancorp, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see MSBI total asset value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.66 Billion	24.73%
Total Liquid Assets	$1.66 Billion	24.73%

Asset Resilience Insights

Good Liquidity Position: Midland States Bancorp, Inc. maintains a healthy 24.73% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Midland States Bancorp, Inc. Industry Peers by Asset Resilience Ratio

Compare Midland States Bancorp, Inc.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Midland States Bancorp, Inc. Asset Resilience Ratio by Year (2012–2025)

Midland States Bancorp, Inc. asset resilience ratio by year from 2012 to 2025. The table below shows the annual Asset Resilience Ratio data for Midland States Bancorp, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	19.83%	$1.29 Billion	$6.51 Billion	+7.15pp
2024-12-31	12.69%	$952.26 Million	$7.51 Billion	+1.04pp
2023-12-31	11.64%	$915.89 Million	$7.87 Billion	+1.86pp
2022-12-31	9.78%	$768.23 Million	$7.86 Billion	-2.40pp
2021-12-31	12.18%	$906.60 Million	$7.44 Billion	+2.33pp
2020-12-31	9.85%	$676.71 Million	$6.87 Billion	-0.82pp
2019-12-31	10.67%	$649.43 Million	$6.09 Billion	-0.99pp
2018-12-31	11.66%	$657.45 Million	$5.64 Billion	+1.45pp
2017-12-31	10.21%	$450.52 Million	$4.41 Billion	+2.57pp
2016-12-31	7.64%	$247.20 Million	$3.23 Billion	-0.61pp
2015-12-31	8.25%	$238.06 Million	$2.88 Billion	-1.23pp
2014-12-31	9.48%	$253.77 Million	$2.68 Billion	+9.44pp
2012-12-31	0.04%	$597.00K	$1.57 Billion	--

pp = percentage points

About Midland States Bancorp, Inc.

NASDAQ:MSBI USA Banks - Regional

Market Cap

$693.95 Million

Market Cap Rank

#10430 Global

#2800 in USA

Share Price

$33.44

Change (1 day)

+0.66%

52-Week Range

$15.18 - $34.53

All Time High

$34.53