First Mid Bank & Trust, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 29.5% higher than in Q1 2026, at $34.8M. First Mid Bank & Trust, N.A. ranks 99th of 323 Illinois banks on net interest margin, in the upper half at 4.02% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Mid Bank & Trust, N.A. sits 0.31 points higher, at 4.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 6.20% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 2.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $107.1M |
| Total interest expense | $34.8M |
| Interest expense on deposits | $31.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.47% | 1.87% | 2.74% | 5.16% | 1.95% |
| Q4 2023 | 5.87% | 1.94% | 4.02% | 6.26% | 3.62% |
| Q1 2024 | 4.97% | 1.81% | 3.25% | 5.64% | 2.11% |
| Q2 2024 | 5.09% | 1.84% | 3.37% | 5.78% | 2.20% |
| Q3 2024 | 5.22% | 1.95% | 3.40% | 5.92% | 2.14% |
| Q4 2024 | 5.13% | 1.80% | 3.46% | 5.79% | 2.18% |
| Q1 2025 | 5.07% | 1.65% | 3.54% | 5.72% | 2.15% |
| Q2 2025 | 5.25% | 1.70% | 3.68% | 5.92% | 2.21% |
| Q3 2025 | 5.39% | 1.70% | 3.81% | 6.08% | 2.38% |
| Q4 2025 | 5.38% | 1.63% | 3.83% | 5.92% | 2.76% |
| Q1 2026 | 5.27% | 1.54% | 3.80% | 5.80% | 2.77% |
| Q2 2026 | 5.65% | 1.75% | 4.02% | 6.20% | 3.08% |
First Mid Bank & Trust, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Mid Bank & Trust, N.A., freeSource: Call Report Schedules RI and RC-K, 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)