First Mid Bank & Trust, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 9.65 percentage points in Q2 2026, from 288.96% to 279.32%. 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). At 90.83%, First Mid Bank & Trust, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.93B |
| Net loans and leases | $6.85B |
| Loans held for sale | $6.7M |
| Loans to total assets | 75.84% |
| Loan-to-deposit ratio | 90.83% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.16% |
| Multifamily (5+ residential) | 5.64% |
| Commercial and industrial | 21.67% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 6.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.32% |
| Construction concentration (Tier 1 capital + allowance) | 34.17% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.20% |
| Interest income on loans | $107.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.80B | $5.06B | 43.03% | 22.07% | 1.51% |
| Q4 2023 | $5.58B | $6.15B | 42.73% | 22.69% | 1.63% |
| Q1 2024 | $5.50B | $6.28B | 43.57% | 22.33% | 1.45% |
| Q2 2024 | $5.56B | $6.16B | 43.29% | 22.81% | 1.27% |
| Q3 2024 | $5.61B | $6.12B | 43.46% | 22.86% | 1.13% |
| Q4 2024 | $5.67B | $6.10B | 42.62% | 23.55% | 0.95% |
| Q1 2025 | $5.70B | $6.19B | 42.08% | 22.88% | 0.83% |
| Q2 2025 | $5.77B | $6.25B | 41.51% | 22.97% | 0.72% |
| Q3 2025 | $5.82B | $6.36B | 41.76% | 23.18% | 0.62% |
| Q4 2025 | $6.01B | $6.46B | 42.66% | 22.98% | 0.53% |
| Q1 2026 | $6.08B | $6.74B | 42.56% | 22.84% | 0.46% |
| Q2 2026 | $6.93B | $7.63B | 42.16% | 21.67% | 0.51% |
First Mid Bank & Trust, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: Call Report Schedule RC-C, 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)