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First Mid Bank & Trust, National Association
Mattoon, IL · FDIC Certificate #3705 · Chartered 02/0
Total assets
$9.14B
Total deposits
$7.63B
Total equity
$1.08B
Net loans
$6.85B
Branches (offices)
87
Net income (YTD)
$50.73M
Rank: #178 of 4,213 U.S. banks by assets · #8 of 322 in Illinois. Assets changed 20.0% and deposits 22.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 9.42% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 11.84% |
| Tier 1 leverage ratio | 10.70% |
| Uninsured deposits (share of deposits) | 17.1% |
| Noncurrent loans (share of loans) | 0.58% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 89.7% |
| Real estate loans (share of loans) | 70.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $4.83B | 70.6% | |
| Commercial & industrial | $1.50B | 21.9% | |
| Consumer / individual | $35.48M | 0.5% | |
| Construction & development | $361.75M | 5.3% | |
| Agricultural | $356.81M | 5.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $6.63B | $5.36B | $29.93M | $679.66M |
| Jun 2023 | $6.65B | $5.26B | $31.42M | $703.71M |
| Jun 2024 | $7.53B | $6.16B | $36.95M | $867.51M |
| Jun 2025 | $7.62B | $6.25B | $42.82M | $897.41M |
| Jun 2026 | $9.14B | $7.63B | $50.73M | $1.08B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $5.29B | 52 |
| Iowa | $980.48M | 14 |
| Missouri | $889.80M | 17 |
| Wisconsin | $359.00M | 3 |
| Texas | $112.46M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $7.63B.
Similar-sized banks
Pinnacle Bank ($9.18B) · Merrick Bank ($9.13B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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