First Mid Bank & Trust, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Mid Bank & Trust, N.A. is an FDIC-insured commercial bank headquartered in Mattoon, IL, established in 1865 (FDIC certificate 3705), and it is supervised by the OCC. At Q2 2026 it reported total assets of $9.14B, up 20.0% from Q2 2025, the 8th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.58% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3705
- Headquarters
- Mattoon, IL
- Established
- 1865
- Total assets, Q2 2026
- $9.14B
- Assets vs Q2 2025
- +20.0%
- CET1 ratio, Q2 2026
- 13.58%
- Domestic offices
- 87 FDIC institution directory, current count
- Routing number
- 071102076
- Latest call report
- Q2 2026, FFIEC 041 · First Mid Bank & Trust, N.A. call report
- Holding company
- FIRST MID BANCSHARES, INC.
- Asset rank in state
- 8th of 319 in Illinois
First Mid Bank & Trust, N.A., based in Mattoon, Illinois, reported $9.1 billion in assets at June 30, 2026, up 20.0% from a year earlier. It grew its loan book 20.2% over the year, 3.4 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also holds about a fifth of its deposits (17%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 30.9%).
Net income for the quarter rose 18% from a year earlier, to $26 million. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.53% of loans, against 0.29% a year earlier.
As of June 30, 2026, First Mid Bank & Trust, N.A. reported a CET1 capital ratio of 13.58%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.58% and a Texas ratio of 4.53%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Mid Bank & Trust, N.A. is the 8th largest of the 319 banks headquartered in Illinois. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 11.5% to $9.14B, loans rose 14.1% and deposits rose 13.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.1% of total loans, followed by commercial and industrial loans at 21.7%. Its 87 offices in the FDIC Summary of Deposits are in 71 cities across 5 states; its Mattoon 2 offices book 19% of its branch deposits. On its Q2 2026 call report, First Mid Bank & Trust, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1515 Charleston Ave, Mattoon, IL 61938
- County
- Coles
- Metro Area
- Charleston-Mattoon, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 8, 1865
- Former names
- First Mid-Illinois Bank & Trust, National Association (1992-2018); First National Bank, Mattoon, Illinois (1963-1992)
- Domestic offices
- 87 FDIC institution directory, current count
- Employees (FTE)
- 1,122
- Domestic deposits
- $7.63B
- Allowance for credit losses
- $87.0M
- Net charge-offs (YTD)
- $2.9M
- Average total assets
- $9.30B
- Average total loans
- $6.94B
- Average interest-bearing deposits
- $6.02B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3705
- Fed RSSD
- 762447
- SEC CIK
- 700565 → filed by FIRST MID BANCSHARES, INC.
- Website
- www.firstmid.com →
- Parent Holding Company
- FIRST MID BANCSHARES, INC. (RSSD 1206760) · FMBH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Matthew K Smith | CEO | CEO & President |
| Joseph R Dively | CHR | Chairman & CEO |
| Jordan D. Read | CFO | EVP, CFO & Chief Risk Officer |
| Michael L Taylor | COO | Chief Operating Officer |
| Megan E Mcelwee | CCO | EVP, Chief Credit Officer |
| Jeremy R Frieburg | CIO | SVP, Chief Information Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Mid Bank & Trust, N.A.'s total assets moved between a low of $6.63B (Q3 2023) and a high of $9.14B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.14B total assets against $7.62B; $8.06B total liabilities against $6.72B.
$6.85B net loans and leases against $5.70B; $7.63B total deposits against $6.25B.
$1.29B securities against $1.08B; $301.9M cash and balances due against $187.2M.
$119.6M total interest income against $93.4M; $34.8M total interest expense against $28.2M.
$84.8M net interest income against $65.1M.
$15.7M total noninterest income against $13.5M; $64.6M total noninterest expense against $47.1M.
$1.3M provision for credit losses against $2.6M.
$26.5M net income against $22.5M.
1.14% return on assets against 1.15%; 4.02% net interest margin against 3.68%.
13.58% CET1 capital ratio against 13.46%; 10.70% tier 1 leverage ratio against 10.85%.
Inside the full First Mid Bank & Trust, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Mid Bank & Trust, N.A. rankings
Its closest position to the top of a national ranking is 174 of 4,196, for total assets; its furthest is 865 of 980, for uninsured deposits.
Banks merged into First Mid Bank & Trust, N.A.
- Two Rivers Bank & Trust, effective June 13, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 1.21% (Q1 2026) and its net interest margin ran from 3.40% (Q3 2024) to 4.02% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | 1.14% | 0.58% | 4.53% | 4.02% |
| Q1 2026 | 13.29% | 1.21% | 0.53% | 4.17% | 3.80% |
| Q4 2025 | 13.29% | 1.18% | 0.52% | 3.80% | 3.83% |
| Q3 2025 | 13.54% | 1.11% | 0.36% | 2.41% | 3.81% |
| Q2 2025 | 13.46% | 1.15% | 0.35% | 2.46% | 3.68% |
| Q1 2025 | 13.43% | 1.07% | 0.44% | 3.14% | 3.54% |
| Q4 2024 | 13.40% | 0.92% | 0.51% | 3.68% | 3.46% |
| Q3 2024 | 13.45% | 0.96% | 0.31% | 2.39% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 87 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Mid Bank & Trust, N.A. (main office) | Mattoon , IL | 61938 | $1.37B |
| Edwardsville Br | Edwardsville , IL | 62025 | $512.7M |
| Two Rivers Bank & Trust Branch | Burlington , IA | 52601 | $325.5M |
| First Federal Branch | Decatur , IL | 62523 | $303.6M |
| Blackhawk Bank Branch | Beloit , WI | 53511 | $282.4M |
| Rockford Branch | Rockford , IL | 61107 | $199.8M |
| Lincoln Branch | Charleston , IL | 61920 | $173.5M |
| Belvidere Branch | Belvidere , IL | 61008 | $167.7M |
| Sullivan Facility | Sullivan , IL | 61951 | $147.2M |
| Galesburg Main Branch | Galesburg , IL | 61401 | $136.7M |
| Clayton Branch | Clayton , MO | 63105 | $136.6M |
| Fort Madison - Ave L Branch | Fort Madison , IA | 52627 | $131.4M |
| Columbia Branch | Columbia , MO | 65203 | $128.7M |
| Cross County Facility | Mattoon , IL | 61938 | $116.3M |
| Grapevine Branch | Grapevine , TX | 76051 | $112.5M |
| Carbondale Branch | Carbondale , IL | 62901 | $106.2M |
| Mchenry Banking Center Branch | Mchenry , IL | 60050 | $105.2M |
| West Burlington Branch | W. Burlington , IA | 52655 | $103.3M |
| Saint Louis Market Street Branch | Saint Louis , MO | 63103 | $100.8M |
| Monticello Drive-Up Branch | Monticello , IL | 61856 | $99.7M |
| Marshall Branch | Marshall , IL | 62441 | $93.0M |
| Creve Coeur Facility | Creve Coeur , MO | 63141 | $89.6M |
| Harrisburg Branch | Harrisburg , IL | 62946 | $88.3M |
| Highland Branch | Highland , IL | 62249 | $87.6M |
| Eureka Branch | Eureka , MO | 63025 | $86.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 13, 2026 | Structure Change | Acquired Two Rivers Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2023 | Structure Change | Acquired Blackhawk Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 2022 | Structure Change | Acquired Jefferson Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2021 | Structure Change | Acquired Providence Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2019 | Structure Change | Acquired Soy Capital Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2018 | Structure Change | Acquired First Bank & Trust, Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 2017 | Structure Change | Acquired First Clover Leaf Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2006 | Structure Change | Acquired Peoples State Bank of Mansfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2001 | Structure Change | Acquired American Bank of Illinois in Highland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 20, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Structure Change | Acquired Heartland Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 5, 1994 | Structure Change | Acquired Downstate National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1992 | Structure Change | Acquired The First National Bank and Trust Company of Douglas County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1989 | Structure Change | Acquired Mattoon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action July 15, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in IL, rank 22 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,374 applications, 1,610 loans originated, $408.2M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 18 loans, $11.6M approved, $645K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Mid Bank & Trust, N.A.
What are First Mid Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, First Mid Bank & Trust, N.A. reported total assets of $9.14 billion in its FFIEC call report.
Where is First Mid Bank & Trust, N.A. headquartered?
It is headquartered in Mattoon, IL, United States.
When was First Mid Bank & Trust, N.A. founded?
It was established in 1865, per the FDIC institution directory.
Is First Mid Bank & Trust, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Mid Bank & Trust, N.A.?
First Mid Bank & Trust, N.A.'s primary federal regulator is the OCC.
What is First Mid Bank & Trust, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.58% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Mid Bank & Trust, N.A. operate?
It operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Mid Bank & Trust, N.A.'s Texas Ratio?
Its Texas Ratio is 4.53% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Mid Bank & Trust, N.A. previously called?
The charter now named First Mid Bank & Trust, N.A. has also operated as First Mid-Illinois Bank & Trust, National Association (1992-2018), First National Bank, Mattoon, Illinois (1963-1992), per FDIC structure-change records.
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