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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

$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

4.60%Q2 ’244.79%Q2 ’255.14%Q2 ’26+10%+9%

Non-interest income vs. expense

2.36%Q2 ’242.42%Q2 ’252.78%Q2 ’26+5%+22%

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 1.22%, up 3 bps year over year; NIM at 3.74%.
  • 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 (quarter, annualized)

1.22%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.74%+31 bps YoY

Efficiency Ratio (quarter, annualized)

61.11%+395 bps YoY

Tier 1 Leverage Ratio

10.70%-15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.13%1.19%1.20%1.22%+3 bps
Return on Equity10.11%9.52%10.00%10.38%10.51%+41 bps
Net Interest Margin3.43%3.56%3.53%3.52%3.74%+31 bps
Efficiency Ratio57.16%57.17%56.94%55.36%61.11%+395 bps
Non-Interest Burden1.72%1.77%1.82%1.74%2.10%+38 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 / Loans0.10%0.11%0.03%0.10%0.08%-2 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