Midland States Bancorp is a community bank holding company headquartered in Effingham, Illinois. Its banking subsidiary, Midland States Bank, operates 53 full-service branches across Illinois and the St. Louis metro area, serving individuals, small and mid-sized businesses, municipalities, and other organizations. The core business is traditional community banking: taking deposits and making loans. On the lending side, Midland States focuses primarily on commercial real estate, commercial and industrial, and construction loans, targeting middle-market businesses as its primary commercial customers. The commercial real estate and construction loan portfolio totaled approximately $2.63B at year-end 2025. Midland States also operates a wealth management business under the Midland Wealth Management brand, offering trust and investment management, estate planning, retirement plan consulting, and brokerage services, with approximately $4.48B in assets under administration. Midland States earns money primarily through net interest income — the spread between loan yields and deposit costs — funded largely by customer deposits gathered through its branch network. Fee income from wealth management, merchant credit card services, and trust fees provides a secondary, rate-independent revenue stream. Wealth management fees scale with assets under administration, rising with market appreciation and new client assets. Midland States has been winding down third-party consumer loan programs, including portfolios originated through GreenSky and LendingPoint, and is no longer originating loans through those platforms.