First Mid Bank & Trust, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 20.59 percentage points in Q2 2026, from 235.76% to 215.16%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Mid Bank & Trust, N.A. is 175th of 323 on return on assets, 1.14% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. First Mid Bank & Trust, N.A. sits 0.14 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.58% |
| Tier 1 risk-based capital ratio | 13.58% |
| Total risk-based capital ratio | 14.66% |
| Tier 1 leverage ratio | 10.70% |
| Equity capital to assets | 11.84% |
| Tangible equity to tangible assets | 9.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.58% |
| Non-performing assets ratio | 0.51% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 4.95% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 215.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 10.51% |
| Net interest margin | 4.02% |
| Efficiency ratio | 60.62% |
| Yield on earning assets | 5.65% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.83% |
| Core deposits to total deposits | 87.12% |
| Brokered deposits to total deposits | 8.18% |
| Deposits to assets | 83.50% |
| Securities to assets | 14.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.39% | 13.39% | 14.44% | 10.57% | 0.73% |
| Q4 2023 | 13.17% | 13.17% | 14.22% | 10.23% | 1.06% |
| Q1 2024 | 13.51% | 13.51% | 14.60% | 10.54% | 0.93% |
| Q2 2024 | 13.50% | 13.50% | 14.59% | 10.74% | 0.97% |
| Q3 2024 | 13.45% | 13.45% | 14.55% | 10.76% | 0.96% |
| Q4 2024 | 13.40% | 13.40% | 14.51% | 10.82% | 0.92% |
| Q1 2025 | 13.43% | 13.43% | 14.58% | 11.00% | 1.07% |
| Q2 2025 | 13.46% | 13.46% | 14.61% | 10.85% | 1.15% |
| Q3 2025 | 13.54% | 13.54% | 14.72% | 10.94% | 1.11% |
| Q4 2025 | 13.29% | 13.29% | 14.47% | 10.88% | 1.18% |
| Q1 2026 | 13.29% | 13.29% | 14.48% | 10.75% | 1.21% |
| Q2 2026 | 13.58% | 13.58% | 14.66% | 10.70% | 1.14% |
First Mid Bank & Trust, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)