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
Unfavorable gap of $167.8M · efficiency ratio beats 44% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.11% | 0.93% | 1.26% | 1.54% | Beats 40% | 106 / 176 | | |
| Return on Equity | 9.37% | 9.26% | 11.89% | 14.46% | Beats 27% | 129 / 176 | | |
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 36% | 112 / 176 | | |
| Efficiency Ratio | 61.38% | 52.79% | 59.55% | 67.66% | Beats 44% | 100 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.30% | 0.64% | 1.32% | Beats 53% | 83 / 176 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 36% | 114 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.58% | 11.15% | 12.72% | 14.15% | Beats 66% | 59 / 176 | | |
| Total Risk-Based Capital Ratio | 14.66% | 11.81% | 13.63% | 15.33% | Beats 68% | 57 / 176 | | |
| Equity / Assets | 11.84% | 9.16% | 10.35% | 11.80% | Beats 76% | 42 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.83% | 80.94% | 89.73% | 97.21% | 55th pctl | 80 / 176 | | |
| Loans / Assets | 75.84% | 69.25% | 75.12% | 80.82% | 53rd pctl | 82 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |