Risk factors

Midland States Bancorp (MSBI) risk factors

Item 1A of every Midland States Bancorp, Inc. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    38 risks, 2 new, 3 dropped, 4 reworded since the prior year. Management’s prior ICFR material weaknesses now center on third-party loan origination and servicing accounting and reporting.

    Filed Mar 02, 2026
  • FY2024 10-K risk factors

    39 risks. Portfolio concentrates heavily on commercial real estate and commercial loans in Illinois and St. Louis.

    Filed Jul 01, 2025