First Mid Bank & Trust
First Mid Bank & Trust reported total assets of $9.1 bn at Q2 2026, up 20.0% on a year earlier, the 176th largest of 497 banks in our US coverage. The CET1 capital ratio at First Mid Bank & Trust was 13.58%, and the uninsured share of First Mid Bank & Trust was 17.14%. Source: FDIC Call Reports.
Key takeaways
- Since , First Mid Bank & Trust has taken over 7 institutions; the latest was Two Rivers Bank & Trust on (FDIC Call Reports).
- On net interest margin, First Mid Bank & Trust slipped from 160th to 244th among 500 US banks between and (1 = highest; FDIC Call Reports).
What sets First Mid Bank & Trust apart
How large is First Mid Bank & Trust?
The balance sheet of First Mid Bank & Trust at : assets $9.1 bn, deposits $7.6 bn, net loans $6.8 bn (loans equal to 89.69% of deposits). Securities make up 14.1% of total assets at First Mid Bank & Trust. Since , when First Mid Bank & Trust held $2.1 bn, its assets grew 333.7%. In the year to , deposits at First Mid Bank & Trust rose 22.2% while its total assets rose 20.0%. At , First Mid Bank & Trust employed 1,122 full-time equivalent staff across 87 offices, about $8.1 mn of assets per employee and $87.7 mn of deposits per office.
How much funding at First Mid Bank & Trust is uninsured?
At First Mid Bank & Trust, uninsured deposits (above the FDIC limit) made up 17.14% of domestic deposits at (-8.39 pp on a year earlier); First Mid Bank & Trust ranks 436th of 500 on this measure. In dollars, First Mid Bank & Trust estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $7.6 bn | +22.2% | 170th of 499 |
| Net loans and leases | $6.8 bn | +20.2% | 164th of 500 |
| Loan-to-deposit ratio | 89.69% | -1.45 pp | 192nd of 500 |
| Tier 1 leverage ratio | 10.70% | -0.15 pp | 206th of 500 |
| Total risk-based capital ratio | 14.66% | +0.06 pp | 200th of 448 |
| Net interest margin | 3.65% | -0.07 pp | 244th of 500 |
| Return on assets (ROA) | 1.10% | -0.03 pp | 344th of 500 |
| Efficiency ratio | 58.55% | +0.29 pp | 306th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $143.9 mn | Narrowed by $35.0 mn | |
| Noncurrent loans to total loans | 0.58% | +0.23 pp | 238th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | -0.03 pp | 244th of 500 (1 = lowest) |
US rank of First Mid Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
First Mid Bank & Trust: assets, deposits and loans
- Total assets $9.1bn
- Deposits $7.6bn
- Net loans $6.8bn
Capital and securities
The CET1 ratio of First Mid Bank & Trust stood at 13.58% in , +0.12 pp year on year. Low and high at First Mid Bank & Trust since : 11.38% () to 14.21% (). Equity capital of First Mid Bank & Trust at : $1.1 bn, or 11.8% of total assets. First Mid Bank & Trust also reported a total capital ratio of 14.66% for , and a tier 1 leverage ratio of 10.70%.
The available-for-sale portfolio of First Mid Bank & Trust showed an unrealized loss of $143.9 mn at ; the loss narrowed by $35.0 mn over the year.
First Mid Bank & Trust: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 11%
First Mid Bank & Trust: unrealized securities gains and losses
- Available for sale -$144mn
- Held to maturity $0
Profitability and loan quality
For the year to , First Mid Bank & Trust earned a return on equity of 9.42%; return on assets: 1.10%. Net interest margin at First Mid Bank & Trust: 3.65%, -0.07 pp in a year. First Mid Bank & Trust net income: $50.7 mn, up 18.5% year on year. The efficiency ratio of First Mid Bank & Trust was 58.55%: about 59 cents cost per revenue dollar, against 44 cents at the median peer.
At , noncurrent loans were 0.58% of total loans at First Mid Bank & Trust; net charge-offs: 0.08% of average loans. Gross loans and leases at First Mid Bank & Trust: $6.9 bn, up 20.2% in a year.
First Mid Bank & Trust: profitability
- Return on equity 9.4%
- Net interest margin 3.6%
- Return on assets 1.1%
Peer group of First Mid Bank & Trust
The peer group of First Mid Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of First Mid Bank & Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Illinois. Against them, First Mid Bank & Trust shows CET1 ratio 13.58% against a peer median of 13.88%, return on equity 9.42% against a peer median of 19.70% and uninsured deposit share 17.14% against a peer median of 25.81%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| First American Trust, FSB | Federal savings bank | CA | $9.2 bn | 33.45% | 23.05% | 63.84% | |
| The Bancorp Bank | National bank | SD | $9.2 bn | 14.27% | 31.84% | 2.84% | |
| Pinnacle Bank | State nonmember bank | NE | $9.2 bn | 12.35% | 15.56% | 30.89% | |
| First Mid Bank & Trust | National bank | IL | $9.1 bn | 13.58% | 9.42% | 17.14% | |
| Merrick Bank | State nonmember bank | UT | $9.1 bn | 16.80% | 13.48% | 4.76% | |
| American Savings Bank | National bank | HI | $9.0 bn | 13.49% | 16.36% | 23.32% | |
| Woodforest National Bank | National bank | TX | $9.0 bn | 11.27% | 24.22% | 28.30% | |
. FDIC Call Reports.
Last eight quarters
Two years at First Mid Bank & Trust, to : assets +21.8%, deposits +24.7%, equity +20.6%. Staff 1,034 to 1,122; offices 81 to 87.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $7.5 bn | $7.5 bn | $7.5 bn | $7.6 bn | $7.8 bn | $7.9 bn | $8.2 bn | $9.1 bn |
| Total deposits | $6.1 bn | $6.1 bn | $6.2 bn | $6.2 bn | $6.4 bn | $6.5 bn | $6.7 bn | $7.6 bn |
| Bank equity capital | $897.6 mn | $875.7 mn | $884.3 mn | $897.4 mn | $925.7 mn | $935.2 mn | $933.3 mn | $1.1 bn |
| CET1 ratio | 13.45% | 13.40% | 13.43% | 13.46% | 13.54% | 13.29% | 13.29% | 13.58% |
| Return on equity (ROE) | 8.48% | 8.40% | 9.23% | 9.67% | 9.60% | 9.71% | 10.38% | 9.42% |
| Uninsured share of domestic deposits | 29.07% | 26.90% | 25.49% | 25.53% | 27.30% | 25.84% | 19.21% | 17.14% |
| Full-time equivalent employees | 1,034 | 1,026 | 1,019 | 1,018 | 1,000 | 991 | 1,151 | 1,122 |
| Number of offices | 81 | 81 | 81 | 79 | 73 | 73 | 73 | 87 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of First Mid Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed First Clover Leaf Bank, National Association (FDIC certificate 30330).
- . Absorbed First Bank & Trust, (FDIC certificate 29786).
- . Absorbed Soy Capital Bank and Trust Company (FDIC certificate 17598).
- . Absorbed Providence Bank (FDIC certificate 1643).
- . Absorbed Jefferson Bank and Trust Company (FDIC certificate 1071).
- . Absorbed Blackhawk Bank (FDIC certificate 14078).
- . Absorbed Two Rivers Bank & Trust (FDIC certificate 58013).
Large one-quarter moves at First Mid Bank & Trust
- Total assets at First Mid Bank & Trust changed by +29.0% in the quarter to 2017-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First Clover Leaf Bank, National Association.
Questions and identifiers
What were the total assets of First Mid Bank & Trust?
First Mid Bank & Trust reported $9.1 bn at in its Call Report. That makes First Mid Bank & Trust the 176th largest of 497 banks in our US coverage.
Is First Mid Bank & Trust the same as its holding company?
No. This page covers First Mid Bank & Trust, FDIC certificate 3705; FIRST MID BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is First Mid Bank & Trust profitable?
First Mid Bank & Trust reported net income of $50.7 mn for the year to ; annualized return on equity: 9.42%. So yes: First Mid Bank & Trust made a profit over these months.
When is data for First Mid Bank & Trust next updated?
Figures from First Mid Bank & Trust for are due after .
Where can I check the figures for First Mid Bank & Trust?
In the FDIC BankFind Suite record for certificate 3705, and in the Call Reports of First Mid Bank & Trust (RSSD ID 762447) at the FFIEC Central Data Repository.