MIDLAND STATES BANK

Bank · Effingham, United States · overall 5.3 / 10

How this 5.3 is built

Average of 6 scored needs: 5.3. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.

Midland States Bank is recorded in the global register as a bank in Effingham, United States. The register names Federal Deposit Insurance Corporation as its regulator and shows the licence as active. Total assets 6.69 bn USD at 2026-06-30. It reports 60 offices. Established 1881. Collected from open registers.

On its own website: “It only takes a moment for an idea to spark or to start planning for your forever. Whatever your moments, we're here to make them brighter.”

Legal name: Midland States Bank
Regulated by: Federal Deposit Insurance Corporation
Licence confirmed: yes, on a regulator's own list
Established: 1881
LEI: 549300U6DW7DX671T306
Website: midlandsb.com

Scores, 0 to 10

6.5Financial strength & stability

· source

6.0United States

Licensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. · source

5.5Cross-border payments, FX and multi-currency accounts

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Lowest fees

The bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Keep More in Your Operating Account Avoid the $10 monthly service charge by maintaining a $5,000 balance, keeping more of your money working for you” · source

5.0Best interest on business balances

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

5.0Trade, manufacturing & import-export

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

4.5Fast digital onboarding

Holds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.