EPS: As of FY2025 Q2, the actual value is USD 0.44.EBIT: As of FY2025 Q2, the actual value is USD 14.87 M.<h3>Segment Revenue</h3><ul><li>Net Income: Midland States Bancorp, Inc. reported net income available to common shareholders of $9.8 million for the second quarter of 2025, compared to $23.5 million for the same period in 2024.</li><li>Net Interest Income: $58.7 million for Q2 2025, showing a slight increase from $58.3 million in Q1 2025.</li><li>Total Noninterest Income: $23.5 million for Q2 2025, up from $17.8 million in Q1 2025.</li></ul><h3>Operational Metrics</h3><ul><li>Net Interest Margin: The net interest margin increased to 3.56% in the second quarter of 2025 from 3.49% in the previous quarter.</li><li>Nonperforming Assets: Nonperforming assets decreased to $111 million, or 1.56% of total assets, from $151 million, or 2.08% of total assets, in the first quarter of 2025.</li><li>Provision for Credit Losses: The provision for credit losses on loans was $17.4 million for the second quarter of 2025.</li><li>Gross Loans Receivable: $5,064.7 million as of Q2 2025, up from $5,018.1 million in Q1 2025.</li><li>Total Noninterest Expenses: $50.0 million for Q2 2025, significantly reduced from $203.0 million in Q1 2025.</li><li>Efficiency Ratio: Improved to 60.6% in Q2 2025 from 64.3% in Q1 2025.</li></ul><h3>Cash Flow</h3><ul><li>Tangible Book Value Per Share: Increased to $20.68 in Q2 2025 from $20.54 in Q1 2025.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: The allowance for credit losses on loans was $92.7 million, or 1.83% of total loans.</li><li>Total Loans: Total loans at June 30, 2025, were $5.06 billion, an increase of $46.6 million from March 31, 2025.</li><li>Pre-Provision Net Revenue (PPNR): $32.2 million for Q2 2025, or $1.48 per share, increased 19% quarter-over-quarter.</li><li>Non-Performing Assets (NPAs): Decreased to 1.56% of total assets in Q2 2025 from 2.08% in Q1 2025.</li></ul><h3>Outlook / Guidance</h3><ul><li>The company aims to grow its common equity tier 1 capital ratio to a target of 10.0% and expects further improvement in profitability over the balance of 2025. The bank successfully exited two larger non-performing relationships in July, which is expected to reduce the non-performing asset ratio by another 41 basis points. Tighter underwriting standards in equipment finance and specialty finance portfolios are expected to reduce exposure to higher-risk portfolios.</li><li>The company anticipates stable total assets in the near term, with net interest margin (NIM) expansion as short-term rates lower. Credit costs are expected to reduce in 2026, with a continued focus on community banking and growing regulatory capital.</li></ul>

Midland States Bancorp Pref Share MSBIP 7.75 Perp 09/30/27 | 8-K: FY2025 Q2 EPS: USD 0.44