First Mid Bank & Trust, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money dropped 37.0% in Q2 2026, from $270.0M to $170.0M. It was the largest change from Q1 2026 among the key lines here. First Mid Bank & Trust, N.A. ranks 56th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 90.83% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Mid Bank & Trust, N.A. reported 90.83% for Q2 2026, nearly level with it.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $301.9M |
| Cash and noninterest-bearing balances to assets | 3.30% |
| Cash and securities | $1.59B |
| Fed funds sold and reverse repos | $76K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $197.0M |
| Other borrowed money | $170.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.86% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.83% |
| Net loans and leases to deposits | 89.69% |
| Loans and leases to core deposits | 98.26% |
| Core deposits to total deposits | 87.12% |
| Brokered deposits to total deposits | 8.18% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 94.87% | 90.53% | $215.0M | $365.0M |
| Q4 2023 | 90.68% | 92.92% | $213.7M | $263.8M |
| Q1 2024 | 87.57% | 93.30% | $210.7M | $238.8M |
| Q2 2024 | 90.30% | 92.75% | $206.0M | $263.7M |
| Q3 2024 | 91.71% | 93.07% | $204.3M | $238.7M |
| Q4 2024 | 93.00% | 93.04% | $204.1M | $242.5M |
| Q1 2025 | 92.09% | 92.70% | $219.8M | $195.0M |
| Q2 2025 | 92.28% | 93.09% | $193.9M | $245.0M |
| Q3 2025 | 91.63% | 92.41% | $200.5M | $245.0M |
| Q4 2025 | 93.08% | 91.35% | $196.7M | $270.0M |
| Q1 2026 | 90.14% | 86.96% | $208.8M | $270.0M |
| Q2 2026 | 90.83% | 87.12% | $197.0M | $170.0M |
First Mid Bank & Trust, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: Call Report Schedules RC and RC-M, 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)