Midland States Bancorp, Inc. - Asset Resilience Ratio

Latest as of June 2026: 24.73%

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 MSBI working capital efficiency to evaluate short-term liquidity relative to the company's equity base.

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 Trend (2012–2025)

This chart shows how Midland States Bancorp, Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Midland States Bancorp, Inc. balance sheet assets.

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. Explore Midland States Bancorp, Inc. (MSBI) investment intensity to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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

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

$691.67 Million

Market Cap Rank

#10726 Global

#2825 in USA

Share Price

$33.33

Change (1 day)

-1.01%

52-Week Range

$14.64 - $34.53

All Time High

$34.53