{"product_id":"midlandsb-business-model-canvas","title":"Midland States Bank Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland States Bank: Concise Business Model Canvas \u0026amp; Template for Investors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Midland States Bank’s business model—this concise Business Model Canvas exposes how the bank creates customer value, manages risk, and scales revenue across commercial and consumer segments; perfect for investors, consultants, and executives seeking actionable insights and a ready-to-use Word\/Excel template to replicate or benchmark success.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Technology Vendors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank partners with core-banking vendors and fintechs to deliver advanced mobile banking and streamlined loan processing, cutting time-to-decision by up to 40% in comparable banks; outsourcing these tech functions lets Midland scale digital services quickly while retaining relationship management focus, supporting its $18.5B in assets (2024) and growth in digital deposits, which rose ~22% YoY in 2023–24.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEquipment Manufacturers and Dealers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe bank partners with equipment vendors and OEMs to fuel Midland Equipment Finance, securing referrals for industrial, medical, and transportation equipment leases; these channels contributed roughly 62% of the unit’s $1.1B 2024 originations, keeping a steady, nationwide pipeline.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Agencies and SBA\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland States Bank partners with the Small Business Administration and state agencies to deliver SBA 7(a) and CDC\/504 loans, which in 2024 backed roughly $120m in regional small-business lending, cutting the bank’s charge-off exposure by an estimated 30% and channeling capital to underserved Midwest firms—boosting local job creation and cementing the bank’s community banking reputation.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorrespondent Banking Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank partners with larger correspondent banks for liquidity services and international wires, giving access to SWIFT corridors and settlement systems that would cost millions to replicate; in 2025 correspondent flows handled ~12% of Midland’s non-retail payments volume.\u003c\/p\u003e\n\u003cp\u003eThese partners buy portions of large loans via participation agreements, cutting concentration risk—Midland reported participating out $220M of syndicated\/large credits in 2024, reducing single-borrower exposure by ~18%.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eAccess to SWIFT\/global rails\u003c\/li\u003e\n\u003cli\u003eLiquidity pooling and settlement\u003c\/li\u003e\n\u003cli\u003e$220M loan participations (2024)\u003c\/li\u003e\n\u003cli\u003e~12% payments via correspondents (2025)\u003c\/li\u003e\n\u003cli\u003e~18% reduction in single-borrower exposure\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment and Insurance Sub-advisors\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWithin Midland States Bank’s wealth division, third-party asset managers and insurance sub-advisors supply the investment vehicles and risk-protection products that the bank’s advisors wrap into client solutions, leveraging institutional capabilities and scale; as of 2024 Midland’s wealth assets under administration were about $3.1 billion, increasing advisory product mix by ~18% year-over-year.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eThird-party asset managers provide mutual funds, ETFs, SMA strategies.\u003c\/li\u003e\n\u003cli\u003eInsurance sub-advisors supply annuities and life\/long-term care policies.\u003c\/li\u003e\n\u003cli\u003eModel ensures advanced solutions + institutional oversight; AUA $3.1B (2024).\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland scales digital finance via fintechs, vendors \u0026amp; correspondents—$18.5B assets, $1.1B originations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland relies on core fintechs, OEM channels, SBA\/state agencies, correspondent banks, and third-party asset managers to scale digital services, feed equipment finance originations ($1.1B in 2024; 62% via vendor referrals), support $18.5B assets (2024) and $3.1B AUA (2024), place $220M loan participations (2024), and route ~12% payments via correspondents (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024–25 figure\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore\/fintechs\u003c\/td\u003e\n\u003ctd\u003eDigital deposit growth\u003c\/td\u003e\n\u003ctd\u003e+22% YoY (2023–24)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquipment vendors\u003c\/td\u003e\n\u003ctd\u003eEquipment originations\u003c\/td\u003e\n\u003ctd\u003e$1.1B (2024); 62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSBA\/state\u003c\/td\u003e\n\u003ctd\u003eRegional SBA lending\u003c\/td\u003e\n\u003ctd\u003e$120M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorrespondents\u003c\/td\u003e\n\u003ctd\u003ePayments share \/ liquidity\u003c\/td\u003e\n\u003ctd\u003e~12% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan participations\u003c\/td\u003e\n\u003ctd\u003eParticipated out\u003c\/td\u003e\n\u003ctd\u003e$220M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth managers\u003c\/td\u003e\n\u003ctd\u003eAUA\u003c\/td\u003e\n\u003ctd\u003e$3.1B (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-crafted Business Model Canvas for Midland States Bank detailing customer segments, channels, value propositions, revenue streams, key activities, resources, partnerships, cost structure, and governance—aligned with real-world operations and regulatory context to support presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Midland States Bank’s business model with editable cells to quickly pinpoint revenue drivers, cost centers, and customer segments for faster strategic decisions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Analysis and Loan Origination\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank performs rigorous credit analysis for consumer and commercial borrowers, targeting nonperforming loan ratios below the regional peer median (0.9% at YE 2024) to protect portfolio quality; underwriting standards follow loan-to-value, DSCR, and covenants tied to 2024 stress-test scenarios. The bank handles the full loan lifecycle—application, underwriting, funding, servicing—and aims for origination turnaround under 10 business days to stay competitive in the Midwestern market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDeposit and Liquidity Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMidland States Bank actively manages its deposit base to secure stable, low-cost funding for lending—offering competitive rates and term products that grew core deposits 6.8% year-over-year to $9.3 billion as of Q3 2025. Effective liquidity management keeps regulatory liquidity coverage high and supports a net interest margin around 3.45%, ensuring the bank can meet obligations while optimizing lending economics.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Fiduciary Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland delivers comprehensive financial planning, trust administration, and estate settlement for high-net-worth clients, managing over $3.2 billion in private client assets as of 2025; these services need certified trust officers and strict fiduciary compliance to safeguard assets. The bank emphasizes multigenerational wealth preservation and tailored growth plans, targeting average family portfolios of $2–15 million with multi-decade horizon strategies.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Equipment Lease Structuring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eMidland States Bank fields specialized lease teams that craft custom equipment leases allowing businesses to preserve cash; as of 2025 the bank’s commercial lease portfolio grew ~8% YoY to ~$1.1B, highlighting demand for capital-light acquisitions.\u003c\/p\u003e\n\u003cp\u003eTeams handle residual value forecasting, GPS-based asset tracking, and end-of-lease disposition, and flexible terms reduce default risk versus traditional lenders lacking equipment expertise.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePortfolio: ~$1.1B (2025)\u003c\/li\u003e\n\u003cli\u003eYoY growth: ~8% (2024–2025)\u003c\/li\u003e\n\u003cli\u003eKey tasks: residual forecasting, asset tracking, disposition\u003c\/li\u003e\n\u003cli\u003eValue: flexible terms, lower asset-specific risk\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Risk Mitigation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eContinuous monitoring of state and federal banking rules keeps Midland States Bank compliant and protects its charter; in 2024 the bank reported a 98% AML alert resolution rate and spent ~2.1% of noninterest expense on compliance programs.\u003c\/p\u003e\n\u003cp\u003eCore activities: AML checks, SOC-level cybersecurity defenses, quarterly internal audits—this proactive risk posture reduces regulatory fines (industry median fines fell 23% in 2023) and shields depositors.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e98% AML alert resolution (2024)\u003c\/li\u003e\n\u003cli\u003e2.1% of noninterest expense on compliance\u003c\/li\u003e\n\u003cli\u003eQuarterly internal audits\u003c\/li\u003e\n\u003cli\u003eSOC-grade cyber defenses\u003c\/li\u003e\n\u003cli\u003eSupports charter retention \u0026amp; depositor protection\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMidland: Rapid sub-10 day lending, $9.3B core deposits, \u0026lt;0.9% NPLs, 98% AML\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eMidland runs end-to-end lending with sub-10 business-day origination, targets NPLs \u0026lt;0.9% (YE 2024), grew core deposits 6.8% to $9.3B (Q3 2025), manages $3.2B private client AUM, and a $1.1B equipment lease book (+8% YoY); compliance spends ~2.1% noninterest expense with 98% AML resolution (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore deposits\u003c\/td\u003e\n\u003ctd\u003e$9.3B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrivate AUM\u003c\/td\u003e\n\u003ctd\u003e$3.2B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLease portfolio\u003c\/td\u003e\n\u003ctd\u003e$1.1B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e\u0026lt;0.9%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAML resolution\u003c\/td\u003e\n\u003ctd\u003e98%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview Before You Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview you see is the actual Midland States Bank Business Model Canvas, not a mockup—it's a direct snapshot of the real file you’ll receive after purchase.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you will get this same professional, ready-to-edit document in its full form, formatted exactly as shown with no hidden content.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749558890873,"sku":"midlandsb-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/midlandsb-business-model-canvas.png?v=1772215179","url":"https:\/\/matrixbcg.com\/products\/midlandsb-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}