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First Mid Bank & Trust, National Association
Mattoon, IL·FDIC Cert #3705·Charter: OCC·Est. 18650208.0·HC: FIRST MID BANCSHARES INC
Total Assets
$7.9B
Q4 2025
Return on Assets
1.15%
+0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.64%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.15%+0.01
ROE
9.71%+0.11
Efficiency
57.64%-0.24
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%+0.16
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.92%+1.44
Charge-offs
0.09%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 | 1.1 | 1.1 |
| ROE | 8.4 | 8.6 | 8.5 | 8.4 | 9.2 | 9.7 | 9.6 | 9.7 |
| Efficiency | 63.1 | 61.3 | 61.4 | 61.2 | 59.4 | 58.3 | 57.9 | 57.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.5 | 0.4 | 0.4 | 0.4 | 0.5 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 86.5 | 89.2 | 90.6 | 91.8 | 91.0 | 91.1 | 90.5 | 91.9 |
Balance Sheet
Total Assets$7.9B
Total Deposits$6.5B
Total Loans$5.9B
Total Equity$935.2M
Profitability
ROA1.15%
ROE9.71%
Efficiency Ratio57.64%
Net Income$87.8M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.09%
Loan/Deposit91.92%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans