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Midland States Bank - Effingham, IL
Certificate # 1040
is rated:

Star Rating Definitions

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STAR RATING DEFINITIONS:
Superior (These institutions are recommended by Bauer.)
Excellent (These institutions are recommended by Bauer.)
Good
Adequate
Problematic
Troubled
Our lowest rating
Start-up. Institutions that are too new to rate. (Obsolete beginning with June 30, 2018 financial data.)
Credit Unions that either: have less than $1.5 million in assets, are not NCUA insured or are too new to rate.
Institution has failed and/or is operating under FDIC conservatorship.
Financial data is compiled for U.S. banks and thrifts from call report data as reported to federal regulators. Although the financial data obtained from these sources is consistently reliable, the accuracy and completeness of the data cannot be guaranteed by BauerFinancial, Inc. CEO names and bank addresses are subject to change. While out staff makes every effort to ensure that these are current, the accuracy and completeness cannot be guaranteed by BauerFinancial.

All institutions are subject to federal regulatory capital requirements, but those requirements vary among institutions and are dependent on many factors. In general, institutions are required to maintain a tangible capital ratio of at least 4%, a tier 1 risk-based capital ratio of at least 4% and a total risk-based capital ratio of at least 8%.

In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity.