First Mid Bank & Trust, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Mid Bank & Trust, N.A. of Mattoon, IL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.14% | 1.44% | -0.30% | 39th below |
| ROAE | 10.51% | 12.51% | -2.00% | 36th below |
| Net Interest Margin | 4.02% | 3.84% | +0.18% | 69th above |
| Efficiency Ratio | 60.62% | 58.87% | +1.75% | 42nd below |
| PPNR / Avg Assets | 1.54% | 1.78% | -0.24% | 39th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.65% | 5.71% | -0.06% | 57th above |
| Cost of Funds | 1.75% | 2.03% | -0.28% | 66th above |
| Net Interest Spread | 3.38% | 3.18% | +0.20% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.58% | 0.96% | -0.38% | 53rd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.75% | -0.24% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.31% | -0.23% | 32nd below |
| ACL / Total Loans | 1.25% | 1.25% | +0.00% | 65th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 215.16% | 699.38% | -484.22% | 58th above |
| Texas Ratio | 4.95% | 7.16% | -2.21% | 50th above |
| Provision / NCO | 144.36% | 815.42% | -671.06% | 46th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.58% | 17.41% | -3.83% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.58% | 17.45% | -3.87% | 51st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.66% | 18.50% | -3.84% | 51st above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.70% | 11.60% | -0.90% | 55th above |
| Equity / Assets | 11.84% | 11.33% | +0.51% | 74th above |
| TCE / Tangible Assets | 9.51% | 10.65% | -1.14% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.83% | 86.35% | +4.48% | 42nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.12% | 85.55% | +1.57% | 42nd below |
| Uninsured Deposit Ratio | 17.14% | 32.73% | -15.59% | 89th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.01% | 5.45% | -1.44% | 49th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.97% | 10.44% | +9.53% | 91st top |
| Loan Growth (Y/Y) | 20.24% | 7.98% | +12.26% | 91st top |
| Deposit Growth (Y/Y) | 22.16% | 7.96% | +14.20% | 92nd top |
See First Mid Bank & Trust, N.A.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Mid Bank & Trust, N.A. profile, how to read a UBPR, or how this data updates.