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 281.6% as of December 2025. Working capital of $1.59 Billion (current assets of $1.65 Billion minus current liabilities of $60.18 Million) is measured against net assets of $565.50 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See Midland States Bancorp Inc free cash flow to debt ratio to measure the company's free cash flow as a share of total liabilities.
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 December 2025, the ratio stands at 281.6%, reflecting working capital of $1.59 Billion against net assets of $565.50 Million USD. See defensive interval ratio of Midland States Bancorp Inc to measure how many days the company can operate on defensive assets alone.
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. For live market cap and the full company profile, see Midland States Bancorp Inc market capitalisation.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 281.6% | $1.59 Billion | $565.50 Million | $1.65 Billion | $60.18 Million | ▲ +976.7 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 | ▼ -28.7 pp |
| 2012 | 86.3% | $112.99 Million | $130.92 Million | $114.05 Million | $1.06 Million | ▲ +202.2 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 | — |