Midland States Bancorp — Corporate Update (December 2025)

4 slides from Midland States Bancorp's corporate update, Dec 1, 2025

Slide 1: Equipment Finance Loan & Lease Sale
Midland States Bancorp, Inc. Equipment Finance Loan & Lease Sale December 1, 2025
Slide 2: Forward Looking Statement
Forward Looking Statement Forward-Looking Statements: Readers should note that in addition to the historical information contained herein, this press release includes “forward-looking statements” within the meanings of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securiti
Slide 3: Equipment Finance Loan & Lease Sale
Equipment Finance Loan & Lease Sale • Sharpened Focus on Core Community Bank: Sale of equipment finance portfolio simplifies operations and enhances fundamental commercial banking and wealth businesses • Strengthened Credit & Risk Profile: Removes credit uncertainty from trucking industry, improves
Slide 4: Proforma Financial Impact
Proforma Financial Impact • Third quarter financial results included: - Additional provision for credit losses of $15 million - Net charge offs of $5 million with average quarterly charge offs of $4.4 million for 2025 Lower Credit Costs • Pro forma September 30 results: - NPAs decreased to $57.2 mil