BlastPoint's Banking Scorecard
First Mid Bank & Trust, National Association
Mattoon, IL
87 branches across IL · MO · IA · WI · TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
- Deposits +22.2% year over year ($7.6B on the books).
- Delinquency rate 0.59%.
- Return on assets 1.10%.
- Efficiency ratio 58.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.69% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Mid Bank & Trust, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.18% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.1B
+20.0% YoY
+11.5% QoQ
|
+$6.3B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 1.9% in tier |
| Total Loans ? |
$6.8B
+20.2% YoY
+14.1% QoQ
|
+$4.9B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Top 1.5% in tier |
| Total Deposits ? |
$7.6B
+22.2% YoY
+13.2% QoQ
|
+$5.3B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 1.5% in tier |
| Return on Assets ? |
1.10%
-3.0% YoY
-8.5% QoQ
|
-0.29% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.65%
-2.0% YoY
-2.8% QoQ
|
-0.22% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
58.55%
+0.5% YoY
+5.8% QoQ
|
-1.18% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.59%
+65.2% YoY
+9.9% QoQ
|
-0.28% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
89.69%
-1.6% YoY
+0.8% QoQ
|
+4.66% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
20.29%
-8.1% YoY
-4.0% QoQ
|
-0.98% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.51%
+75.0% YoY
+12.7% QoQ
|
-0.17% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.58%
+0.9% YoY
+2.2% QoQ
|
-1.26% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.30%
-13.0% YoY
+113.5% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.3%
-1.8pp YoY -0.8pp QoQ |
-1.1pp | 21.4% | 20.1% | 22.2% | 52% |
| Brokered Deposits |
8.2%
+5.8pp YoY -0.3pp QoQ |
-1.3pp | 9.5% | 8.0% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.9%
-1.3pp YoY -1.2pp QoQ |
+7.9pp | 14.0% | 14.7% | 12.5% | 84% |
| CRE |
53.7%
+0.1pp YoY -1.2pp QoQ |
+3.7pp | 50.0% | 37.9% | 41.4% | 61% |
| 1-4 Family |
10.7%
+2.0pp YoY +2.7pp QoQ |
-15.7pp | 26.4% | 28.3% | 31.3% | 19% |
| Consumer |
0.5%
-0.2pp YoY +0.1pp QoQ |
-4.2pp | 4.7% | 5.4% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+0.1pp YoY +0.3pp QoQ |
-2.0pp | 15.6% | 19.9% | 19.7% | 51% |
| Leverage Ratio |
10.7%
-0.1pp YoY -0.1pp QoQ |
-0.6pp | 11.3% | 12.2% | 12.6% | 54% |
| Total Capital Ratio |
14.7%
+0.1pp YoY +0.2pp QoQ |
-2.0pp | 16.7% | 20.9% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,122
+104 (+10.2%) YoY -29 (-2.5%) QoQ |
+808 | 313 | 228 | 482 | 99% |
| Assets per Employee ($) |
$8.1M
+8.9% YoY +14.4% QoQ |
-$2.3M | $10.5M | $8.3M | $8.8M | 42% |
| Branch Count |
87
+8 (+10.1%) YoY +14 (+19.2%) QoQ |
+67 | 20 | 10 | 18 | 99% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
+0.2pp YoY +0.1pp QoQ |
-0.2pp | 0.8% | 1.1% | 1.0% | 56% |
| Allowance Coverage |
2.15x
-38.5% YoY -8.7% QoQ |
-16.56x | 18.71x | 5.62x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
-0.2pp YoY -1.0pp QoQ |
-3.2pp | 12.6% | 10.5% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$50.7M
+18.5% YoY — QoQ |
+$31.5M | $19.2M | $11.7M | $40.4M | 93% |
Get Full Access to First Mid Bank & Trust, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.