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CAPITAL REQUIREMENTS (Tables) | 12 Months Ended
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Dec. 31, 2024
Capital Requirements [Abstract] |
Schedule of Actual and Required Capital Amounts and Ratios | At December 31, 2024 and 2023, the Company’s and the Bank’s actual and required capital ratios were as follows:
| Actual |  | Fully Phased-In Regulatory Guidelines Minimum |  | Required to be Well Capitalized Under Prompt Corrective Action Requirements
(dollars in thousands) | Amount |  | Ratio |  | Amount |  | Ratio(1) |  | Amount |  | Ratio
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Total risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | $ | 833,709 |  |  | 13.07 | % |  | $ | 669,998 |  |  | 10.50 | % |  | N/A |  | N/A
Midland States Bank | 792,327 |  |  | 12.43 |  |  | 669,052 |  |  | 10.50 |  |  | $ | 637,192 |  |  | 10.00%
Tier 1 risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 685,934 |  |  | 10.75 |  |  | 542,379 |  |  | 8.50 |  |  | N/A |  | N/A
Midland States Bank | 712,263 |  |  | 11.18 |  |  | 541,614 |  |  | 8.50 |  |  | 509,754 |  |  | 8.00
Common equity tier 1 risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 510,435 |  |  | 8.00 |  |  | 446,665 |  |  | 7.00 |  |  | N/A |  | N/A
Midland States Bank | 712,263 |  |  | 11.18 |  |  | 446,035 |  |  | 7.00 |  |  | 414,175 |  |  | 6.50
Tier 1 leverage ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 685,934 |  |  | 9.03 |  |  | 255,237 |  |  | 4.00 |  |  | N/A |  | N/A
Midland States Bank | 712,263 |  |  | 9.38 |  |  | 254,877 |  |  | 4.00 |  |  | 318,596 |  |  | 5.00
December 31, 2023 (restated) |  |  |  |  |  |  |  |  |  |  |
Total risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | $ | 866,878 |  |  | 12.37 | % |  | $ | 735,539 |  |  | 10.50 | % |  | N/A |  | N/A
Midland States Bank | 809,596 |  |  | 11.57 |  |  | 734,781 |  |  | 10.50 |  |  | $ | 699,791 |  |  | 10.00%
Tier 1 risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 685,767 |  |  | 9.79 |  |  | 595,437 |  |  | 8.50 |  |  | N/A |  | N/A
Midland States Bank | 722,122 |  |  | 10.32 |  |  | 594,823 |  |  | 8.50 |  |  | 559,833 |  |  | 8.00
Common equity tier 1 risk-based capital ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 510,269 |  |  | 7.28 |  |  | 490,360 |  |  | 7.00 |  |  | N/A |  | N/A
Midland States Bank | 722,122 |  |  | 10.32 |  |  | 489,854 |  |  | 7.00 |  |  | 454,864 |  |  | 6.50
Tier 1 leverage ratio |  |  |  |  |  |  |  |  |  |  |
Midland States Bancorp, Inc. | 685,767 |  |  | 8.73 |  |  | 280,206 |  |  | 4.00 |  |  | N/A |  | N/A
Midland States Bank | 722,122 |  |  | 9.20 |  |  | 279,917 |  |  | 4.00 |  |  | 349,896 |  |  | 5.00
(1)Total risk-based capital ratio, Tier 1 risk-based capital ratio and Common equity tier 1 risk-based capital ratio include the capital conservation buffer of 2.5%.

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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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