Filing Flows › Midland States Bancorp (MSBI) › How it makes money
How Midland States Bancorp (MSBI) makes money
Midland States Bancorp (MSBI) made $86.0M of revenue in the third quarter 2026 (Q3 2026), +6% from a year earlier. Net interest income brought in $62.7M (73%); Noninterest income brought in $23.2M (27%). Of every dollar of revenue, 34¢ was left as operating profit, 27¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $62.7M | 73.0% | +5% | +3% |
| Noninterest income | $23.2M | 27.0% | -2% | +16% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $86.0M | 100.0% |
| Operating profit | $29.4M | 34.2% |
| Income tax | $6.6M | 7.6% |
| Net earnings | $22.8M | 26.5% |
| Operating cash flow | $38.4M | 44.6% |
| Free cash flow | $37.9M | 44.0% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $86.0M | +6% |
From Midland States Bancorp's 10-Q filed Oct 29, 2026 (on EDGAR).
Questions
How does Midland States Bancorp make money?
Midland States Bancorp (MSBI) made $86.0M of revenue in the third quarter 2026 (Q3 2026), +6% from a year earlier. Net interest income brought in $62.7M (73%); Noninterest income brought in $23.2M (27%). Of every dollar of revenue, 34¢ was left as operating profit, 27¢ was left as net earnings.
What is Midland States Bancorp's biggest business?
Net interest income: $62.7M in the third quarter 2026, 73% of revenue, +3% from a year earlier.
What is Midland States Bancorp's profit margin?
Net earnings were $22.8M, 26.5% of revenue, in the third quarter 2026; the operating margin was 34.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.