Mattoon, IL · Cert 3705 · First Mid Bancshares Inc.
National charter · OCC · 87 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 1.0% share · #16 of 111 inst. · $1.5B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.97% | 1.08% | 1.14% | 1.13% | 1.15% | 1.20% | 1.21% | +7 bps | |
| Return on Equity | 8.48% | 8.40% | 9.23% | 9.67% | 9.60% | 9.71% | 10.38% | 10.31% | +65 bps | |
| Net Interest Margin | 3.10% | 3.13% | 3.29% | 3.32% | 3.39% | 3.40% | 3.52% | 3.39% | +7 bps | |
| Efficiency Ratio | 61.38% | 61.16% | 59.44% | 58.26% | 57.88% | 57.64% | 55.36% | 58.55% | +29 bps | |
| Non-Interest Burden | 1.72% | 1.71% | 1.75% | 1.72% | 1.73% | 1.74% | 1.74% | 1.81% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.18% | -0.99% | -1.43% | 1.16% | 3.51% | 5.90% | 9.03% | 19.97% | +1,881 bps | |
| Loan Growth (YoY) | 16.97% | 1.65% | 3.63% | 3.71% | 3.73% | 5.97% | 6.63% | 20.24% | +1,653 bps | |
| Deposit Growth (YoY) | 21.00% | -0.88% | -1.46% | 1.48% | 3.82% | 5.88% | 8.94% | 22.16% | +2,068 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.51% | 0.44% | 0.35% | 0.36% | 0.52% | 0.53% | 0.58% | +23 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.07% | 0.13% | 0.11% | 0.11% | 0.09% | 0.10% | 0.08% | -3 bps | |
| Allowance / Loans | 1.22% | 1.24% | 1.23% | 1.23% | 1.25% | 1.25% | 1.25% | 1.25% | +2 bps | |
| Allowance Coverage of NPLs | 4.0x | 2.4x | 2.8x | 3.5x | 3.5x | 2.4x | 2.4x | 2.2x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.76% | 10.82% | 11.00% | 10.85% | 10.94% | 10.88% | 10.75% | 10.70% | -15 bps | |
| Total Risk-Based Capital | 14.55% | 14.51% | 14.58% | 14.61% | 14.72% | 14.47% | 14.48% | 14.66% | +5 bps | |
| Equity / Assets | 11.96% | 11.74% | 11.76% | 11.78% | 11.92% | 11.84% | 11.38% | 11.84% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.71% | 93.00% | 92.09% | 92.28% | 91.63% | 93.08% | 90.14% | 90.83% | -145 bps | |
| Liquid Assets / Assets | 0.63% | 0.41% | 1.30% | 0.96% | 2.33% | 2.52% | 3.83% | 2.62% | +166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 372% | 391% | 391% | n/a | n/a | |