Revenue: As of FY2025 Q3, the actual value is USD 81.13 M.EPS: As of FY2025 Q3, the actual value is USD 0.24.EBIT: As of FY2025 Q3, the actual value is USD -49.8 M.<h3>Segment Revenue</h3><ul><li>Commercial Loans: $4,073,267 as of September 30, 2025, compared to $4,251,326 as of December 31, 2024.</li><li>Residential Real Estate Loans: $353,475 as of September 30, 2025, compared to $380,557 as of December 31, 2024.</li><li>Consumer Loans: $129,862 as of September 30, 2025, compared to $144,301 as of December 31, 2024.</li><li>Lease Financing: $310,983 as of September 30, 2025, compared to $391,390 as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $7,557 for the three months ended September 30, 2025, compared to $20,431 for the same period in 2024.</li><li>Operating Costs: Total noninterest expense was $49,814 for the three months ended September 30, 2025, compared to $49,764 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Operating Cash Flow: $132,741 for the nine months ended September 30, 2025, compared to $121,022 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses on Loans: $100,886 as of September 30, 2025, compared to $111,204 as of December 31, 2024.</li><li>Nonaccrual Loans: $64,121 as of September 30, 2025, compared to $140,138 as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company plans to continue focusing on its core lending and deposit services, with an emphasis on maintaining credit quality and managing nonperforming assets.</li><li>Non-Core Business: The company ceased originating new equipment financing leases and loans effective September 30, 2025.</li><li>Priority: The company aims to improve its financial performance by reducing nonperforming assets and managing credit losses effectively.</li></ul>

Midland States Bancorp Pref Share MSBIP 7.75 Perp 09/30/27 | 10-Q: FY2025 Q3 Revenue: USD 81.13 M