B
First Mid Bank & Trust, National Association
Mattoon,  IL
Rating Date
October 2025
Risk Based
Capital Ratio
14.72
Leverage
Ratio
10.94
Return On
Assets
1.11%
Total
Assets
7.77B
Capital
925.74M
Total
Deposits
6.36B
Net
Income
64.51M
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Weiss Ratings First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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Rating B
Asset Quality Index 7.20
Capitalization Index 9.90
Liquidity Index 2.90
Profitability Index 5.30
Stability Index 9.20
Company Info First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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FDIC Number 3705
Phone Number (217) 234-7454
Website www.firstmid.com
Asset Quality First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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1-Year Asset Growth 3.51%
5-Year Asset Growth 19.19%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.26%
Non-Performing Loans to Capital 1.99%
Non-Performing Loans to Loans 0.38%
Balance Sheet First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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Total Assets 7.77B
Total Deposits 6.36B
Capital and Reserves First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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Capital 925.74M
Leverage Ratio 10.94
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 14.72
Liquidity First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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Hot Money Ratio 12.12%
Liquidity Ratio 12.17%
Profitability First Mid Bank & Trust, National Association
Mattoon, IL 		Click to
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5-Year Return on Average Assets 0.94%
Net Income 64.51M
Net Interest Spread 3.68%
Operating Profit to Average Assets 1.42%
Overhead Efficiency Ratio 60.68%
Return on Assets 1.11%
Return on Equity 9.62%