XML 60 R49.htm IDEA: XBRL DOCUMENT
v3.25.3

LOANS - Summary of Changes in the ACL on Loans (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | $ 92,690 | $ 155,443 | $ 111,204 | $ 159,319
Provision for credit losses on loans | 20,505 | 17,925 | 48,724 | 46,349
Charge-offs | (16,039) | (22,978) | (67,419) | (58,251)
Recoveries | 3,730 | 677 | 8,377 | 3,650
Balance, end of period | 100,886 | 151,067 | 100,886 | 151,067
Commercial Loan Portfolio |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Charge-offs | (11,000) | (2,524) | (53,637) | (11,918)
Commercial Loan Portfolio | Commercial |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 34,179 | 32,236 | 42,776 | 29,672
Provision for credit losses on loans | 7,841 | 5,442 | 17,196 | 16,435
Charge-offs | (4,301) | (2,492) | (23,762) | (11,190)
Recoveries | 1,320 | 484 | 2,829 | 753
Balance, end of period | 39,039 | 35,670 | 39,039 | 35,670
Commercial Loan Portfolio | Commercial real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 27,439 | 22,197 | 36,837 | 20,229
Provision for credit losses on loans | 2,678 | 364 | 15,817 | 788
Charge-offs | (3,798) | (32) | (26,974) | (728)
Recoveries | 494 | 1 | 1,133 | 2,241
Balance, end of period | 26,813 | 22,530 | 26,813 | 22,530
Commercial Loan Portfolio | Construction and land development |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 2,869 | 12,966 | 3,550 | 4,163
Provision for credit losses on loans | 1,480 | (907) | (231) | 7,895
Charge-offs | (2,901) | 0 | (2,901) | 0
Recoveries | 1,122 | 2 | 2,152 | 3
Balance, end of period | 2,570 | 12,061 | 2,570 | 12,061
Residential real estate: | Residential real estate |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 7,104 | 5,193 | 8,002 | 5,553
Provision for credit losses on loans | (711) | 255 | (1,645) | (138)
Charge-offs | (54) | (159) | (126) | (194)
Recoveries | 54 | 63 | 162 | 131
Balance, end of period | 6,393 | 5,352 | 6,393 | 5,352
Consumer: | Consumer |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 5,704 | 69,563 | 5,400 | 86,762
Provision for credit losses on loans | 116 | 9,439 | 1,352 | 14,185
Charge-offs | (897) | (17,316) | (2,234) | (39,411)
Recoveries | 103 | 44 | 508 | 194
Balance, end of period | 5,026 | 61,730 | 5,026 | 61,730
Lease financing |  |  |  |
Changes in allowance for credit losses on loans |  |  |  |
Balance, beginning of period | 15,395 | 13,288 | 14,639 | 12,940
Provision for credit losses on loans | 9,101 | 3,332 | 16,235 | 7,184
Charge-offs | (4,088) | (2,979) | (11,422) | (6,728)
Recoveries | 637 | 83 | 1,593 | 328
Balance, end of period | $ 21,045 | $ 13,724 | $ 21,045 | $ 13,724

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147476148/220-40-50-22 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=msbi_CommercialRealEstateLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=msbi_ConstructionAndLandDevelopmentLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=msbi_ResidentialRealEstateLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_FinanceLeasesPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |