Midland States Bancorp, Inc. (MSBI) — Working Capital to Net Assets Ratio
Midland States Bancorp, Inc. (MSBI) has a Working Capital to Net Assets ratio of -654.1% as of June 2026. Working capital of $-3.73 Billion (current assets of $1.99 Billion minus current liabilities of $5.71 Billion) is measured against net assets of $569.69 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Midland States Bancorp, Inc. (MSBI) liquidity interval to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Midland States Bancorp, Inc. Working Capital to Net Assets (2009–2025)
This chart shows how Midland States Bancorp, Inc.'s Working Capital to Net Assets ratio has evolved across 17 annual periods from 2009 to 2025. As of June 2026, the ratio stands at -654.1%, reflecting working capital of $-3.73 Billion against net assets of $569.69 Million USD. For the complete balance sheet picture, see Midland States Bancorp, Inc. total assets.
Annual Working Capital to Net Assets for Midland States Bancorp, Inc. (2009–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Midland States Bancorp, Inc. from 2009 to 2025, covering 17 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check MSBI cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -714.7% | $-4.04 Billion | $565.50 Million | $1.44 Billion | $5.48 Billion | ▼ -19.7 pp |
| 2024 | -695.0% | $-4.94 Billion | $710.85 Million | $1.47 Billion | $6.41 Billion | ▼ -56.5 pp |
| 2023 | -638.6% | $-5.06 Billion | $791.85 Million | $1.55 Billion | $6.60 Billion | ▲ +46.4 pp |
| 2022 | -685.0% | $-5.20 Billion | $758.57 Million | $1.43 Billion | $6.63 Billion | ▼ -43.4 pp |
| 2021 | -641.5% | $-4.26 Billion | $663.84 Million | $2.02 Billion | $6.28 Billion | ▼ -42.5 pp |
| 2020 | -599.1% | $-3.72 Billion | $621.39 Million | $1.45 Billion | $5.17 Billion | ▼ -110.3 pp |
| 2019 | -488.8% | $-3.24 Billion | $661.91 Million | $1.40 Billion | $4.63 Billion | ▲ +17.1 pp |
| 2018 | -505.9% | $-3.08 Billion | $608.52 Million | $1.16 Billion | $4.24 Billion | ▲ +30.4 pp |
| 2017 | -536.3% | $-2.41 Billion | $449.55 Million | $890.26 Million | $3.30 Billion | ▲ +53.1 pp |
| 2016 | -589.4% | $-1.90 Billion | $321.77 Million | $641.42 Million | $2.54 Billion | ▼ -851.0 pp |
| 2015 | 261.6% | $609.73 Million | $233.06 Million | $610.71 Million | $979.00K | ▲ +1058.4 pp |
| 2014 | -796.8% | $-1.75 Billion | $219.93 Million | $540.11 Million | $2.29 Billion | ▼ -854.4 pp |
| 2013 | 57.6% | $86.09 Million | $149.44 Million | $86.72 Million | $636.00K | ▲ +18.3 pp |
| 2012 | 39.3% | $51.46 Million | $130.92 Million | $122.69 Million | $71.22 Million | ▲ +155.2 pp |
| 2011 | -115.9% | $-147.10 Million | $126.95 Million | $119.72 Million | $266.82 Million | ▲ +1228.7 pp |
| 2010 | -1344.6% | $-1.43 Billion | $106.53 Million | $65.56 Million | $1.50 Billion | ▼ -85.6 pp |
| 2009 | -1259.0% | $-922.75 Million | $73.29 Million | $89.66 Million | $1.01 Billion | — |