Finance Intern

SBA honors Midland States Bank as 2025 Illinois SBA 504 Third-Party Lender of the Year. By Kelly Waynauskas EFFINGHAM, Ill. - July 24, 2026 - Midland States Bank received the 2025 Illinois SBA 504 Third-Party Lender of the Year Award from the U.S. Small Business Administration's Illinois District Office during a recognition ceremony at the Bank's Belvidere Main Office. According to the SBA, the award recognizes Midland States Bank's leadership in supporting small businesses through the SBA 504 Loan Program, helping business owners obtain long-term financing for commercial real estate, major equipment purchases and expansion projects that strengthen local economies. Representatives from the SBA Illinois District Office presented the award to Midland leadership, recognizing the Bank's commitment to expanding access to capital for Illinois businesses and its continued partnership in advancing economic development throughout the state. "This recognition reflects its team's commitment to helping Illinois businesses invest, grow and create jobs," said Jeff Ludwig, Chief Executive Officer of Midland States Bank. "We're grateful for its partnership with the SBA and for the trust its clients place in Midland States Bank as they pursue their business goals." The recognition reflects the collaborative efforts of Midland's commercial banking, SBA lending, credit and operations teams, as well as the Bank's partnerships with Certified Development Companies across The SBA 504 Loan Program provides long-term, fixed-rate financing that helps small businesses purchase owner-occupied commercial real estate, finance major equipment and support expansion projects that contribute to economic growth and job creation. About Midland States Bancorp, Inc. Midland States Bancorp, Inc. is a community-based financial holding company headquartered in Effingham, Illinois, and is the sole shareholder of Midland States Bank. As of June 30, 2026, the Company had total assets of approximately $6.70 billion, and its Wealth Management Group had assets under administration of approximately $4.78 billion. The Company provides a full range of commercial and consumer banking products and services, merchant credit card services, trust and investment management, insurance and financial planning services. For additional information, visit https://www.midlandsb.com/ or https://www.linkedin.com/company/midland-states-bank. Anna Strong Marketing Manager 217-540-2838

Midland States Bank announces two leadership promotions. Stephanie Sams Promoted to Director of Branch Banking; Julie Withers Named District Manager at Midland States Bank EFFINGHAM, Ill. - June 17, 2026 - Midland States Bank is pleased to announce two leadership promotions within its Branch Banking team: Stephanie Sams to Director of Branch Banking, and Julie Withers to District Manager. Sams brings over 27 years of financial services experience to her new role, including 15 years at Midland States Bank. During her tenure, she advanced through a range of positions, from Customer Service Representative to District Manager for the Southern District. She also served as interim District Manager in other regions, providing leadership support to 30 branches across Southern Illinois, Northern Illinois, and the St. Louis metro area. Sams will help drive strategy and customer experience across Midland's branch network, supporting teams and promoting consistent, high-quality service. Withers joined Midland in 2018 as a Banking Center Manager, leading teams in Effingham and Farina before transitioning to Vandalia and Greenville. As District Manager, she will oversee locations from Smithton to Champaign, including the communities she previously served. Withers will work closely with branch teams to support daily operations, strengthen customer relationships, and maintain responsive, personalized service. "Stephanie and Julie are outstanding examples of the strength of our internal talent," said Min Yun, Vice President of Consumer Banking at Midland States Bank. "They've grown their careers alongside our customers, providing a deep understanding of what matters most to the individuals, families, and businesses we serve. That perspective is invaluable as they step into these leadership roles and continue shaping the experience in our branches." About Midland States Bancorp, Inc. Midland States Bancorp, Inc. is a community-based financial holding company headquartered in Effingham, Illinois, and is the sole shareholder of Midland States Bank. As of March 31, 2026, the Company had total assets of approximately $6.55 billion, and its Wealth Management Group had assets under administration of approximately $4.47 billion. The Company provides a full range of commercial and consumer banking products and services, merchant credit card services, trust and investment management, insurance and financial planning services. For additional information, visit midlandsb.com or follow Midland States Bank on LinkedIn. social share

Midland States Bancorp reported net income available to common shareholders of $16.2 million, or $0.74 per diluted share, for the first quarter of 2026, recovering from a net loss of $5.1 million in the fourth quarter of 2025. The Effingham, Illinois-based company posted adjusted earnings of $17.2 million, or $0.79 per diluted share. Net interest margin expanded to 3.91% from 3.74% in the prior quarter, driven primarily by lower funding costs. The Community Bank loan portfolio increased $68.8 million, or 8.3% annualised, though total loans decreased $13.4 million due to anticipated runoff in specialty finance and non-core portfolios. Credit quality improved, with nonperforming assets declining to 0.91% of total assets. The company repurchased $7.8 million of common stock during the quarter, with common equity tier 1 capital reaching 9.98%.