CAPITAL REQUIREMENTS (Tables)

12 Months Ended

Dec. 31, 2024

Capital Requirements [Abstract]

Schedule of Actual and Required Capital Amounts and Ratios

At December 31, 2024 and 2023, the Company’s and the Bank’s actual and required capital ratios were as follows:


			Actual												Fully Phased-In Regulatory Guidelines Minimum												Required to be Well Capitalized Under Prompt Corrective Action Requirements
(dollars in thousands)			Amount						Ratio						Amount						Ratio(1)						Amount						Ratio
December 31, 2024
Total risk-based capital ratio
Midland States Bancorp, Inc.			$	833,709					13.07		%				$	669,998					10.50		%				N/A						N/A
Midland States Bank			792,327						12.43						669,052						10.50						$	637,192					10.00%
Tier 1 risk-based capital ratio
Midland States Bancorp, Inc.			685,934						10.75						542,379						8.50						N/A						N/A
Midland States Bank			712,263						11.18						541,614						8.50						509,754						8.00
Common equity tier 1 risk-based capital ratio
Midland States Bancorp, Inc.			510,435						8.00						446,665						7.00						N/A						N/A
Midland States Bank			712,263						11.18						446,035						7.00						414,175						6.50
Tier 1 leverage ratio
Midland States Bancorp, Inc.			685,934						9.03						255,237						4.00						N/A						N/A
Midland States Bank			712,263						9.38						254,877						4.00						318,596						5.00

December 31, 2023 (restated)
Total risk-based capital ratio
Midland States Bancorp, Inc.			$	866,878					12.37		%				$	735,539					10.50		%				N/A						N/A
Midland States Bank			809,596						11.57						734,781						10.50						$	699,791					10.00%
Tier 1 risk-based capital ratio
Midland States Bancorp, Inc.			685,767						9.79						595,437						8.50						N/A						N/A
Midland States Bank			722,122						10.32						594,823						8.50						559,833						8.00
Common equity tier 1 risk-based capital ratio
Midland States Bancorp, Inc.			510,269						7.28						490,360						7.00						N/A						N/A
Midland States Bank			722,122						10.32						489,854						7.00						454,864						6.50
Tier 1 leverage ratio
Midland States Bancorp, Inc.			685,767						8.73						280,206						4.00						N/A						N/A
Midland States Bank			722,122						9.20						279,917						4.00						349,896						5.00

(1)Total risk-based capital ratio, Tier 1 risk-based capital ratio and Common equity tier 1 risk-based capital ratio include the capital conservation buffer of 2.5%.