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First Mid Bank & Trust, National Association

Mattoon, IL · Cert 3705 · First Mid Bancshares Inc.

National charter · OCC · 87 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Mid Bank & Trust, National Association

Mattoon, IL · Cert 3705 · First Mid Bancshares Inc.

National charter · OCC · 87 branches

Q2 2026

$9.1BAssets
$6.9BLoans
$7.6BDeposits
$1.1BEquity
Loan mix
74%RE $4.1B25%C&I $1.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $6.1B20%Noninterest $1.5BQ2 2025Q2 2026

NIM

4.57%Q2 ’244.64%Q2 ’254.63%Q2 ’26+8%+2%

Non-interest income vs. expense

2.38%Q2 ’242.38%Q2 ’252.39%Q2 ’26+1%+5%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.0% share · #16 of 111 inst. · $1.5B of $141.7B

66.6% Coles
11.2% Madison
37.6% Des Moines
17.8% Macon

Executive Summary

  • Earnings: ROA of 1.21%, up 7 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.58% of loans (+23 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 10.70%, down 15 bps from a year ago.
  • Funding: loans stand at 90.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+7 bps YoY

Efficiency Ratio (YTD, annualized)

58.55%+29 bps YoY

Tier 1 Leverage Ratio

10.70%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.13%1.15%1.20%1.21%+7 bps
Return on Equity9.67%9.60%9.71%10.38%10.31%+65 bps
Net Interest Margin3.32%3.39%3.40%3.52%3.39%+7 bps
Efficiency Ratio58.26%57.88%57.64%55.36%58.55%+29 bps
Non-Interest Burden1.72%1.73%1.74%1.74%1.81%+9 bps
Growth
Asset Growth (YoY)1.16%3.51%5.90%9.03%19.97%+1,881 bps
Loan Growth (YoY)3.71%3.73%5.97%6.63%20.24%+1,653 bps
Deposit Growth (YoY)1.48%3.82%5.88%8.94%22.16%+2,068 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.36%0.52%0.53%0.58%+23 bps
Net Charge-Offs / Loans0.11%0.11%0.09%0.10%0.08%-3 bps
Allowance / Loans1.23%1.25%1.25%1.25%1.25%+2 bps
Allowance Coverage of NPLs3.5x3.5x2.4x2.4x2.2x-1.3x
Capital
Tier 1 Leverage Ratio10.85%10.94%10.88%10.75%10.70%-15 bps
Total Risk-Based Capital14.61%14.72%14.47%14.48%14.66%+5 bps
Equity / Assets11.78%11.92%11.84%11.38%11.84%+7 bps
Liquidity & Funding
Loans / Deposits92.28%91.63%93.08%90.14%90.83%-145 bps
Liquid Assets / Assets0.96%2.33%2.52%3.83%2.62%+166 bps
CRE / Total Capitaln/a372%391%391%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Mid Bank & Trust, National Association

Mattoon, IL · Cert 3705 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · First Mid Bancshares Inc.

National charter · OCC · 87 branches

Q2 2026

$9.1BAssets
$6.9BLoans
$7.6BDeposits
$1.1BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 76% of banks $1B-$10B in assets operating regionally (rank 42 of 176).
  • Widest gap: return on equity trails 73% of banks $1B-$10B in assets operating regionally (rank 129 of 176).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.11%

Rank 106 of 176

Net Interest Margin

3.39%

Rank 112 of 176

Efficiency Ratio

61.38%

Rank 100 of 176

Equity / Assets

11.84%

Rank 42 of 176

Non-interest income vs. expense

$54.2M$222.1MINCOMEEXPENSE
Unfavorable gap of $167.8M · efficiency ratio beats 44% of banks $1B-$10B in assets operating regionally
Bank 61.38%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.11%0.93%1.26%1.54%Beats 40%106 / 176
Return on Equity9.37%9.26%11.89%14.46%Beats 27%129 / 176
Net Interest Margin3.39%3.25%3.59%3.93%Beats 36%112 / 176
Efficiency Ratio61.38%52.79%59.55%67.66%Beats 44%100 / 176
Asset Quality
Nonperforming Loans / Loans0.58%0.30%0.64%1.32%Beats 53%83 / 176
Net Charge-Offs / Loans0.06%0.01%0.04%0.10%Beats 36%114 / 176
Capital
Tier 1 Capital Ratio13.58%11.15%12.72%14.15%Beats 66%59 / 176
Total Risk-Based Capital Ratio14.66%11.81%13.63%15.33%Beats 68%57 / 176
Equity / Assets11.84%9.16%10.35%11.80%Beats 76%42 / 176
Liquidity & Funding
Loans / Deposits90.83%80.94%89.73%97.21%55th pctl80 / 176
Loans / Assets75.84%69.25%75.12%80.82%53rd pctl82 / 176
Brokered Deposits / Depositsn/aNot reported for this institution