← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

First Mid Bank & Trust N.A.

Mattoon, Illinois · $9.14B in assets · beside the 11 other Illinois banks between $3B and $10B

The filing

1.09%
ROA
12th of 12
270.7%
CRE / capital
12th of 12
61.4%
Efficiency
11th of 12

First Mid Bank & Trust N.A. is the fourth largest of the 12 Illinois banks nearest its size between $3B and $10B, with $9.14B in assets at 30 June 2026. Loans are 90.8% of deposits, 7th of 12 against a median of 90.4%, and equity is 11.8% of assets, 4th of 12. Loans grew +20.2% in the year, 3rd of 12, and deposits grew 22.2%; the cohort's median loan growth is +7.6%.

Noncurrent loans are 0.58% of the book, 6th of 12 against a median of 0.59%; 0.12% is 30 to 89 days past due, and the allowance covers them 2.2 times. Commercial real estate is 41.0% of loans, 9th of 12 against a median of 31.6%, and 271% of capital, below the 300% screen, with construction at 34% against the 100% screen. CRE has grown +56.7% over 36 months, past the guidance's 50% prong.

Return on assets is 1.09%, the lowest in the cohort against a median of 1.50%, on an efficiency ratio of 61.4%, 11th of 12. Five years ago it was 0.51%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsIL banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.50% LF Lake Forest Bank & Trust Co. N.A. 2.04% WB Wintrust Bank National Association 1.96% OS Old Second National Bank 1.68% BB Byline Bank 1.66% MC Morton Community Bank 1.59% NB Northbrook Bank & Trust Co. N.A. 1.52% FA First American Bank 1.48% HB Hinsdale Bank & Trust Co. N.A. 1.43% HB Heartland Bank & Trust Co. 1.31% BB Barrington Bank & Trust Co. N.A. 1.25% MS Midland States Bank 1.21% FM First Mid Bank & Trust N.A. 1.09%
Loans, year over yearIL banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.6% HB Heartland Bank & Trust Co. +42.0% OS Old Second National Bank +31.1% FM First Mid Bank & Trust N.A. +20.2% HB Hinsdale Bank & Trust Co. N.A. +16.0% FA First American Bank +9.4% NB Northbrook Bank & Trust Co. N.A. +9.0% LF Lake Forest Bank & Trust Co. N.A. +6.2% BB Barrington Bank & Trust Co. N.A. +5.6% BB Byline Bank +2.9% WB Wintrust Bank National Association +0.4% MC Morton Community Bank -0.8% MS Midland States Bank -16.2%

SBA 7(a), FY2008 to FY2026

First Mid Bank & Trust N.A. is the 19th largest 7(a) lender into Illinois of 537, with $168M across 687 loans, 1.1% of everything approved in the state (Byline Bank leads with $2.39B). 61 of its 95 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Illinois, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Macon, IL$37M1st of 3627.8%-19.4 pts
Dallas, TX$28M48th of 3140.5%-0.4 pts
Madison, IL$25M2nd of 919.9%-15.9 pts
Saint Clair, IL$20M2nd of 909.9%-1.1 pts
Winnebago, IL$15M5th of 744.6%-3.1 pts
Denton, TX$14M37th of 2240.8%-0.7 pts
Polk, IA$12M15th of 1771.7%+1.6 pts
Tarrant, TX$9M81st of 2810.2%+0.4 pts
Champaign, IL$8M4th of 694.3%quiet FY2021
Rockwall, TX$7M10th of 1082.7%thin
Saint Louis, MO$7M42nd of 1780.5%+0.7 pts
Adams, IL$6M2nd of 2320.3%-90.0 pts
Knox, IL$6M2nd of 2613.3%quiet FY2022
82 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing83$45M15.5%0.11%160th of 2,246
Retail trade122$45M15.5%0.07%196th of 2,589
Accommodation & food services129$42M14.3%0.05%245th of 2,596
Health care & social assistance70$30M10.1%0.06%196th of 2,172
Construction76$23M7.8%0.07%210th of 2,063
7(a) lenders into Illinois, share of approvals since FY2008537 lenders on record; the ten largest and First Mid
BB Byline Bank 15.8% $2.39B · 2,427 loans TH The Huntington National Bank 6.2% $942M · 4,109 loans UB U.S. Bank, National Association 4.6% $694M · 2,828 loans JC JPMorgan Chase Bank, National Ass… 4.4% $660M · 4,997 loans LO Live Oak Banking Company 4.0% $607M · 489 loans VB Village Bank and Trust, National … 2.6% $396M · 826 loans MB Millennium Bank 2.4% $366M · 195 loans BB Busey Bank 2.1% $317M · 323 loans WF Wells Fargo Bank National Associa… 1.7% $250M · 513 loans FT Fifth Third Bank 1.6% $244M · 721 loans FM First Mid Bank & Trust, National … 1.1% $168M · 687 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First MidRankCohort median
Total CRE against capital, the 300% screen271%12th of 12185%
Construction against capital, the 100% screen34%7th of 1234%
Construction and land development, share of loans5.2%5th of 125.2%
Non-owner-occupied nonfarm nonresidential, share of loans30.1%12th of 1214.7%
Total CRE, the guidance definition, share of loans41.0%9th of 1231.6%
CRE growth over 36 months, the third prong+56.7%11th of 12+31.2%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Byline Bank$9.91B1.7%47.6%0.93%0.27%1.5%95.7%14.1%
Wintrust Bank National Association$9.57B2.0%45.5%0.36%0.24%1.0%96.0%11.6%
Lake Forest Bank & Trust Co. N.A.$9.25B2.0%42.4%0.34%0.03%0.8%94.9%9.5%
First Mid Bank & Trust N.A.$9.14B1.1%61.4%0.58%0.08%1.3%90.8%11.8%
First American Bank$8.63B1.5%59.6%0.60%-0.01%1.4%61.0%8.1%
Old Second National Bank$6.86B1.7%50.7%1.08%0.72%1.3%96.0%13.5%
Hinsdale Bank & Trust Co. N.A.$6.80B1.4%36.8%0.16%0.00%0.7%90.0%10.1%
Heartland Bank & Trust Co.$6.72B1.3%59.7%0.19%0.03%1.3%82.3%13.1%
Midland States Bank$6.69B1.2%60.6%1.43%0.90%1.5%74.3%9.2%
Northbrook Bank & Trust Co. N.A.$6.37B1.5%29.5%0.27%0.11%0.6%83.2%8.3%
Morton Community Bank$5.35B1.6%52.3%0.81%0.33%1.1%75.0%9.4%
Barrington Bank & Trust Co. N.A.$5.17B1.3%68.4%4.75%0.08%0.6%94.2%10.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First MidCohort median
20212026Change20212026Change
Loans$3.80B$6.93B+83%$2.79B$4.89B+75%
Deposits$4.77B$7.63B+60%$4.35B$5.65B+30%
NPA / loans0.70%0.58%-0.12 pts0.62%0.59%-0.03 pts
Efficiency69.6%61.4%-8.2 pts55.9%51.5%-4.4 pts
ROA0.51%1.09%+0.58 pts1.42%1.50%+0.08 pts

This read was prepared for First Mid Bank & Trust N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Mid Bank & Trust N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $3B to $10B
Institution www.firstmid.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue