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Who We Are

Great Strength. More Heart.

We bring the strength, stability and expertise of a top-performing institution – a place where you know your money is safe, you get the most advanced products and services and where you’ll get the financial advice to prepare you for what’s right around the corner.

But that’s not what makes us unique.

What sets us apart is our ability to provide financial strength while dedicating ourselves to each and every client. See, we put our heart and soul into every relationship, every experience and every client interaction. We truly care about our clients and we want to help them achieve financial success and we do that one conversation, one transaction and one handshake at a time.



We’re more than a bank.

From our modest beginnings as a one-branch bank in Effingham, Ill., Midland has grown and diversified into a unique financial services company. Today, Midland serves consumer, business and corporate clients with a full range of services:



We’ve expanded our services in recent years from traditional checking, savings and loans to how our clients truly want to conduct business—from mobile devices. Now you can deposit checks, transfer money, pay bills and access loan accounts quickly and simply from your smartphone, tablet and computer. Anytime, anywhere.


Business & Commercial

Our business and commercial banking teams expertly handle loans and accounts of all sizes. As technology has advanced, so have our services—and ability to provide businesses with the resources they need.


Midland Wealth Management

Since 1919, our services have expanded to include commercial, savings and trust. With assets under administration in the billions, Wealth Management continues to be one of our core offerings. Midland Wealth Management is comprised of trust services, brokerage services, Midland Trust Company and Midland Financial Advisors.


Midland Mortgage

With mortgage expertise as a specialized focus throughout our market area, we’ve expanded the number of mortgage lenders to cover Illinois, Missouri, Colorado and North Carolina. We’ve increased the speed of processing loans, and our professional lenders help you every step of the way.


FHA Multifamily & Healthcare Facility FHA Financing

Our subsidiary, Love Funding, is consistently ranked among the nation’s top FHA-insured lenders, with extensive experience in all aspects of real estate investment analysis and mortgage lending. They provide FHA financing for acquisition, refinancing, new construction and substantial rehabilitation for multi-family and affordable housing, healthcare facilities and hospitals, and more.


Equipment Leasing

It requires a superior level of personal attention to clients’ needs to build custom leasing and financing programs, and our affiliate, Heartland Business Credit, does just that. They tailor and manage programs for equipment and software vendors that sell healthcare supplies, retail petroleum, telecommunications systems, lighting, manufacturing, construction, transportation, environmental services and more.