First Mid Bank & Trust, National Association
Mattoon, IL · Cert 3705 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · 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 78% of banks $1B-$10B in assets operating regionally (rank 38 of 174).
- Widest gap: return on equity trails 74% of banks $1B-$10B in assets operating regionally (rank 128 of 174).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.11%
Rank 106 of 174
Net Interest Margin
3.39%
Rank 109 of 174
Efficiency Ratio
61.38%
Rank 101 of 174
Equity / Assets
11.84%
Rank 38 of 174
Non-interest income vs. expense
Unfavorable gap of $167.8M · efficiency ratio beats 43% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.93% | 1.27% | 1.52% | Beats 39% | 106 / 174 | |
| Return on Equity | 9.37% | 9.26% | 11.89% | 14.41% | Beats 26% | 128 / 174 | |
| Net Interest Margin | 3.39% | 3.22% | 3.56% | 3.91% | Beats 37% | 109 / 174 | |
| Efficiency Ratio | 61.38% | 51.59% | 59.21% | 67.02% | Beats 43% | 101 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.29% | 0.60% | 1.18% | Beats 51% | 86 / 174 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 34% | 115 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.19% | 12.82% | 14.11% | Beats 66% | 59 / 174 | |
| Total Risk-Based Capital Ratio | 14.66% | 11.81% | 13.70% | 15.33% | Beats 66% | 59 / 174 | |
| Equity / Assets | 11.84% | 9.15% | 10.31% | 11.72% | Beats 78% | 38 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 90.83% | 80.93% | 90.31% | 97.12% | 54th pctl | 80 / 174 | |
| Loans / Assets | 75.84% | 69.01% | 75.52% | 80.85% | 52nd pctl | 83 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |