Investor Presentaiton

17 Commercial Loans and Leases by Industry ($s in millions) Retail Trade $180.6 3.8% Wholesale Trade $67.0 1.4% Other Services $102.6 2.1% Health Care $70.5 1.5% Industries as a percentage of Commercial, CRE and Equipment Finance Loans and Leases with outstanding balances of $4.82 billion as of December 31, 2023 General Freight Trucking $204.2 4.2% Ag., Forestry, & Fishing $151.5 3.1% Assisted Living $112.4 2.3% Trans./Ground Passenger $198.7 4.1% Accommodation & Food Svcs $222.8 4.6% Finance and Insurance $261.6 5.4% Manufacturing $237.3 4.9% Construction - General $333.9 6.9% Skilled Nursing $469.3 9.7% RE/Rental & Leasing $1,616.6 33.6% All Others $586.4 12.2% Midland ◉ States Bancorp, Inc.

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