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Lender record

Midland States Bank

The real lending record — every figure from funded deals. HQ: 1201 Network Centre Dr, Effingham, IL. 60 branches.

Midland States Bank banner

147

Recent deals (FY20+)

$260K

Typical deal

16 days

Approval → funding

0%

Failure rate (FY20–23)

Where Midland States Bank lends

Deals Midland States Bank funded — list all 147 as text

Deal profile

Most Midland States Bank deals land between $112K and $500K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Limited-Service Restaurants (20)
  2. 2.Fitness and Recreational Sports Centers (6)
  3. 3.Full-Service Restaurants (5)
  4. 4.Nail Salons (5)
  5. 5.Residential Remodelers (4)
  6. 6.Graphic Design Services (3)
  7. 7.Insurance Agencies and Brokerages (3)
  8. 8.Landscaping Services (3)

Most active states

  1. 1.Illinois (94 deals)
  2. 2.Missouri (36 deals)
  3. 3.Indiana (6 deals)
  4. 4.Wisconsin (4 deals)
  5. 5.Florida (2 deals)
  6. 6.Michigan (2 deals)
  7. 7.Ohio (1 deals)
  8. 8.Maryland (1 deals)
  9. 9.Nebraska (1 deals)

Franchises they finance most

Jersey Mike's

4 deals

Buffalo Wild Wings

3 deals

Nautical Bowls

3 deals

Buffalo Wild Wings GO

2 deals

Playtri

2 deals

Can Midland States Bank fund you? The bank behind the loans

Total assets

$6.5B

▲ 0.6% vs prior quarter

Deposits on hand

$5.5B

▲ 0.4% vs prior quarter

Loans outstanding

$4.3B

▼ 0.3% vs prior quarter

Net income (latest qtr)

$19.3M

  • •SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Midland States Bank more SBA-focused than 45% of the banks on our record.
  • •Deposits grew last quarter — more raw lending capacity than the quarter before.
  • •Return on assets of 1.18% — above the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a Midland States Bank branch (60)

Midland States BankMain office1201 Network Centre DrEffingham, IL 62401 · since 1881 · limited service

Streator Main Branch201 E Main StStreator, IL 61364 · since 1874

Centralia Branch200 S Poplar StCentralia, IL 62801 · since 1879

Bourbonnais Branch680 S Main StBourbonnais, IL 60914 · since 1885

Dwight Branch302 W Mazon AveDwight, IL 60420 · since 1885

Herscher Branch654 N Park RdHerscher, IL 60941 · since 1885

St. Clair Branch815 N Commercial AveSt. Clair, MO 63077 · since 1887

Central Avenue Branch212 S Central AveSaint Louis, MO 63105 · since 1887 · limited service

Greenville Branch318 W College AveGreenville, IL 62246 · since 1894

Princeton Branch815 S Main StPrinceton, IL 61356 · since 1902

Farina Branch300 W Madison StFarina, IL 62838 · since 1902

Triumph/Ottawa Branch400 E Etna RdOttawa, IL 61350 · since 1905

Belvidere Office600 S State StBelvidere, IL 61008 · since 1908

Mokena Branch11100 Front StMokena, IL 60448 · since 1909

Grant Park Branch119 N Main StGrant Park, IL 60940 · since 1921

Arnold Branch1920 Richardson RdArnold, MO 63010 · since 1924

Sunset Hills Branch11670 Gravois RdSaint Louis, MO 63126 · since 1924

Manteno Branch303 Section Line RdManteno, IL 60950 · since 1946

Rockford Alpine Branch1700 N Alpine RdRockford, IL 61107 · since 1962

North Branch212 N Hennepin AveDixon, IL 61021 · since 1967

Cherry Valley Branch1972 Pawlisch DrRockford, IL 61112 · since 1974

Rock Falls Center Facility941 1st AveRock Falls, IL 61071 · since 1977

Rockford Facility6838 E State StRockford, IL 61108 · since 1978

Springcreek Branch2218 N Mulford RdRockford, IL 61107 · since 1980

Diamond Connection Facility1275 E Division StDiamond, IL 60416 · since 1982

Mendota Branch609 8th AveMendota, IL 61342 · since 1983

Sandwich Branch202 Indian Springs DrSandwich, IL 60548 · since 1984

Waterloo Drive-Up Branch101 N Main StWaterloo, IL 62298 · since 1988 · limited service

Machesney Facility613 Harlem RdMachesney Park, IL 61115 · since 1992

Bourbonnais Branch576 Latham DrBourbonnais, IL 60914 · since 1993

North Peru Branch2825 Plaza DrPeru, IL 61354 · since 1994

Mill Road Branch233 N Mill RdRockford, IL 61107 · since 1995 · limited service

Town & Country Branch13402 Clayton RdSaint Louis, MO 63131 · since 1996

Waterloo North Branch812 N Market StWaterloo, IL 62298 · since 1997

Union Bank/Central3512 E LincolnwaySterling, IL 61081 · since 1998 · limited service

Clayton Branch7818 Bonhomme AveSaint Louis, MO 63105 · since 1999

Champaign Branch1617 W Springfield AveChampaign, IL 61821 · since 1999

Smithton Branch514 S Main StSmithton, IL 62285 · since 2000

Beecher Banking Center Branch951 Dixie HwyBeecher, IL 60401 · since 2003

East Veterans Parkway Branch208 E Veterans PkwyYorkville, IL 60560 · since 2003

980 North Bradley Boulevard Office Branch980 N Bradley BlvdBradley, IL 60915 · since 2003

Gateway Center Branch1988 Gateway Center DrBelvidere, IL 61008 · since 2005

Vandalia Branch1611 Veterans AveVandalia, IL 62471 · since 2006

Momence Branch200 W Washington StMomence, IL 60954 · since 2006

Columbia Branch200 Quarry RdColumbia, IL 62236 · since 2006

Ladue Branch9925 Clayton RdSaint Louis, MO 63124 · since 2006

St. Charles Branch5991 S Highway 94Saint Charles, MO 63304 · since 2007

Rock Hill Branch9877 Manchester RdSaint Louis, MO 63119 · since 2007

Messenger Service In Rockford1700 N Alpine RdRockford, IL 61107 · since 2007 · limited service

Roscoe Branch5023 Rockrose CtRoscoe, IL 61073 · since 2007

O'Fallon Branch2341 Highway KO Fallon, MO 63368 · since 2007

Sba And Internet Banking Branch1201 Network Centre DrEffingham, IL 62401 · since 2007

Kankakee Branch255 E Station StKankakee, IL 60901 · since 2008

Joliet Il Branch1540 Route 59Joliet, IL 60431 · since 2010

Effingham Main Branch110 S 5th StEffingham, IL 62401 · since 2013

Joliet Chicago Street Branch100 N Chicago StJoliet, IL 60432 · since 2015

Jennings Branch8021 West Florissant AveJennings, MO 63136 · since 2015

North Main Branch1401 North AveRockford, IL 61103 · since 2016

Manchester Avenue Branch4321 Manchester AveSaint Louis, MO 63110 · since 2017

New Sterling Branch4400 E LincolnwaySterling, IL 61081 · since 2023

Scroll for all 60 branches · Branch data: FDIC BankFind.

Recent deals

  • DEWEY'S BBQ MARKET CORP. in Skokie, IL — $1.7M (2026) · Full-Service Restaurants
  • RAM MOLDING LLC in Bartlett, IL — $800K (2026) · All Other Plastics Product Manufacturing
  • PALATINE WINGS LLC in Palatine, IL — $526K (2026) · Limited-Service Restaurants
  • AURORA NORTH WINGS LLC in Aurora, IL — $526K (2026) · Limited-Service Restaurants
  • PRJ GIBSON LLC in Streator, IL — $500K (2026) · New Single-Family Housing Construction (except For-Sale Buil
  • H4 Manufacturing, LLC in Saint Louis, MO — $500K (2026) · All Other Miscellaneous Fabricated Metal Product Manufacturi
  • LA FORME MODERN REFORMER PILATES LLC in Ballwin, MO — $388K (2026) · Fitness and Recreational Sports Centers
  • RAM MOLDING LLC in Bartlett, IL — $370K (2026) · All Other Plastics Product Manufacturing
  • ADON NAILS AND SPA LLC in Saint Louis, MO — $150K (2026) · Nail Salons
  • ROCKET FLUFF & FOLD LLC in Tolono, IL — $100K (2026) · Coin-Operated Laundries and Drycleaners

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Failed deals

1 of Midland States Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed. Each links to its full record.

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Businesses Midland States Bank financed

120 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with Midland States Bank.

Agent summary

This page summarizes Midland States Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 147 SBA 7(a) loans on record
  • $260K typical deal
  • 34 business-acquisition loans
  • HQ: 1201 Network Centre Dr, Effingham, IL
  • 60 FDIC branch locations
  • FDIC total assets $6.5B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/midland-states-bank
API:
https://www.capbench.com/api/public/lenders/midland-states-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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