First Mid Bank & Trust, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Total equity capital: 16.0% higher than in Q1 2026, at $1.08B. Within Illinois, First Mid Bank & Trust, N.A. is 131st of 198 on CET1 ratio, 13.58% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; First Mid Bank & Trust, N.A. reported 13.58% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.58% |
| Tier 1 risk-based capital ratio | 13.58% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 10.70% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $971.7M |
| Tier 1 capital | $971.7M |
| Total risk-based capital | $1.05B |
| Total equity capital | $1.08B |
| Risk-weighted assets | $7.15B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.84% |
| Tangible equity to tangible assets | 9.51% |
| Equity capital to average assets | 11.65% |
| Internal capital growth rate | 5.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.8M |
| Common stock surplus | $762.2M |
| Retained earnings | $421.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$104.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.39% | 13.39% | 14.44% | 10.57% | $5.23B |
| Q4 2023 | 13.17% | 13.17% | 14.22% | 10.23% | $6.01B |
| Q1 2024 | 13.51% | 13.51% | 14.60% | 10.54% | $5.92B |
| Q2 2024 | 13.50% | 13.50% | 14.59% | 10.74% | $5.97B |
| Q3 2024 | 13.45% | 13.45% | 14.55% | 10.76% | $6.00B |
| Q4 2024 | 13.40% | 13.40% | 14.51% | 10.82% | $6.07B |
| Q1 2025 | 13.43% | 13.43% | 14.58% | 11.00% | $6.06B |
| Q2 2025 | 13.46% | 13.46% | 14.61% | 10.85% | $6.13B |
| Q3 2025 | 13.54% | 13.54% | 14.72% | 10.94% | $6.16B |
| Q4 2025 | 13.29% | 13.29% | 14.47% | 10.88% | $6.29B |
| Q1 2026 | 13.29% | 13.29% | 14.48% | 10.75% | $6.34B |
| Q2 2026 | 13.58% | 13.58% | 14.66% | 10.70% | $7.15B |
First Mid Bank & Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Mid Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3705) · FFIEC NIC profile (RSSD 762447)