First Mid Bank & Trust, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Mid Bank & Trust, N.A. is an FDIC-insured commercial bank. On its most recent Q2 2026 call report, First Mid Bank & Trust reported $9.1B in total assets against $7.6B in deposits. Returns are in line with industry norms at 1.14% ROA and 10.51% ROE; net interest margin is 4.02%. Regulatory capital is solid, 13.58% CET1 and 14.66% total risk-based capital ratio. Asset quality is solid, 0.58% nonperforming loans and a 4.95% Texas Ratio. Its footprint covers 87 branches concentrated in Illinois.
As of June 30, 2026, First Mid Bank & Trust, N.A. reported a CET1 capital ratio of 13.58%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.58%, a Texas ratio of 4.95%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1515 Charleston Ave, Mattoon, IL 61938
- County
- Coles
- Metro Area
- Charleston-Mattoon, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- February 8, 1865
- Former names
- First Mid-Illinois Bank & Trust, National Association (1992-2018); First National Bank, Mattoon, Illinois (1963-1992)
- Offices
- 87 domestic
- Employees (FTE)
- 1,122
- Domestic deposits
- $7.63B
- Allowance for credit losses
- $87.0M
- Net charge-offs (YTD)
- $2.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3705
- Fed RSSD
- 762447
- SEC CIK
- 700565 → filed by FIRST MID BANCSHARES, INC.
- Website
- www.firstmid.com →
- Parent Holding Company
- FIRST MID BANCSHARES, INC. (RSSD 1206760) · FMBH
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Smith Matthew K | CEO | CEO & President |
| Read Jordan D. | CFO | EVP, CFO & Chief Risk Officer |
| Taylor Michael L | COO | Chief Operating Officer |
| Dively Joseph R | CHR | Chairman & CEO |
| Mcelwee Megan E | CCO | EVP, Chief Credit Officer |
| Frieburg Jeremy R | CIO | SVP, Chief Information Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Mid Bank & Trust, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Mid Bank & Trust, N.A., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Mid Bank & Trust, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into First Mid Bank & Trust, N.A.
- Two Rivers Bank & Trust, effective June 13, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.58% | 1.14% | 0.58% | 4.95% | 4.02% |
| Q1 2026 | 13.29% | 1.21% | 0.53% | 4.62% | 3.80% |
| Q4 2025 | 13.29% | 1.18% | 0.52% | 4.26% | 3.83% |
| Q3 2025 | 13.54% | 1.11% | 0.38% | 3.03% | 3.81% |
| Q2 2025 | 13.46% | 1.15% | 0.38% | 3.14% | 3.68% |
| Q1 2025 | 13.43% | 1.07% | 0.47% | 3.91% | 3.54% |
| Q4 2024 | 13.40% | 0.92% | 0.54% | 4.53% | 3.46% |
| Q3 2024 | 13.45% | 0.96% | 0.32% | 2.71% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 87 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Mid Bank & Trust, N.A. (main office) | Mattoon , IL | 61938 | $1.37B |
| Edwardsville Br | Edwardsville , IL | 62025 | $512.7M |
| Two Rivers Bank & Trust Branch | Burlington , IA | 52601 | $325.5M |
| First Federal Branch | Decatur , IL | 62523 | $303.6M |
| Blackhawk Bank Branch | Beloit , WI | 53511 | $282.4M |
| Rockford Branch | Rockford , IL | 61107 | $199.8M |
| Lincoln Branch | Charleston , IL | 61920 | $173.5M |
| Belvidere Branch | Belvidere , IL | 61008 | $167.7M |
| Sullivan Facility | Sullivan , IL | 61951 | $147.2M |
| Galesburg Main Branch | Galesburg , IL | 61401 | $136.7M |
| Clayton Branch | Clayton , MO | 63105 | $136.6M |
| Fort Madison - Ave L Branch | Fort Madison , IA | 52627 | $131.4M |
| Columbia Branch | Columbia , MO | 65203 | $128.7M |
| Cross County Facility | Mattoon , IL | 61938 | $116.3M |
| Grapevine Branch | Grapevine , TX | 76051 | $112.5M |
| Carbondale Branch | Carbondale , IL | 62901 | $106.2M |
| Mchenry Banking Center Branch | Mchenry , IL | 60050 | $105.2M |
| West Burlington Branch | W. Burlington , IA | 52655 | $103.3M |
| Saint Louis Market Street Branch | Saint Louis , MO | 63103 | $100.8M |
| Monticello Drive-Up Branch | Monticello , IL | 61856 | $99.7M |
| Marshall Branch | Marshall , IL | 62441 | $93.0M |
| Creve Coeur Facility | Creve Coeur , MO | 63141 | $89.6M |
| Harrisburg Branch | Harrisburg , IL | 62946 | $88.3M |
| Highland Branch | Highland , IL | 62249 | $87.6M |
| Eureka Branch | Eureka , MO | 63025 | $86.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 13, 2026 | Structure Change | Acquired Two Rivers Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 12, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 2, 2023 | Structure Change | Acquired Blackhawk Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 11, 2022 | Structure Change | Acquired Jefferson Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 15, 2021 | Structure Change | Acquired Providence Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 6, 2019 | Structure Change | Acquired Soy Capital Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 5, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 2018 | Structure Change | Acquired First Bank & Trust, Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 10, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 18, 2017 | Structure Change | Acquired First Clover Leaf Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 17, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 2006 | Structure Change | Acquired Peoples State Bank of Mansfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 21, 2001 | Structure Change | Acquired American Bank of Illinois in Highland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 20, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 1997 | Structure Change | Acquired Heartland Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 5, 1994 | Structure Change | Acquired Downstate National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 4, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1992 | Structure Change | Acquired The First National Bank and Trust Company of Douglas County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 29, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1989 | Structure Change | Acquired Mattoon Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Mid Bank & Trust, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action July 15, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.7% of deposits in IL, rank 22 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,374 applications, 1,610 loans originated, $408.2M originated, across 15 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Mid Bank & Trust, N.A.
What are First Mid Bank & Trust, N.A.'s total assets?
As of the Q2 2026 filing, First Mid Bank & Trust, N.A. reported total assets of $9.14 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Mid Bank & Trust, N.A. headquartered?
First Mid Bank & Trust, N.A. is headquartered in Mattoon, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Mid Bank & Trust, N.A. founded?
First Mid Bank & Trust, N.A. was established in 1865, per the FDIC institution directory.
Is First Mid Bank & Trust, N.A. FDIC-insured?
Yes. First Mid Bank & Trust, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Mid Bank & Trust, N.A.?
First Mid Bank & Trust, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Mid Bank & Trust, N.A.'s CET1 capital ratio?
First Mid Bank & Trust, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.58% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Mid Bank & Trust, N.A. operate?
First Mid Bank & Trust, N.A. operates 87 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Mid Bank & Trust, N.A.'s Texas Ratio?
First Mid Bank & Trust, N.A.'s Texas Ratio is 4.95% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Mid Bank & Trust, N.A. previously called?
The charter now named First Mid Bank & Trust, N.A. has also operated as First Mid-Illinois Bank & Trust, National Association (1992-2018), First National Bank, Mattoon, Illinois (1963-1992), per FDIC structure-change records.
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