First Mid Bank & Trust Mortgage Rates, Fees & Info

Mattoon, IL

LEI: 549300XOTES5TCS8T794

Tax ID: 37-0404035

5 stars - out of 5 stars, based on 38 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    First Mid Bank & Trust is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. First Mid Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Champaign, Orlando, Decatur, and Charleston among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)

    First Mid Bank & Trust has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. First Mid Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.68% 3/19/23
    30 Year Conventional Refi 6.54% 3/19/23
    30 Year Cash-out Refi 6.82% 3/19/23
    30 Year USDA Purchase 6.25% 3/19/23
    30 Year USDA Refi 6.24% 3/19/23
    15 Year Conventional Purchase 6.22% 3/19/23
    15 Year Conventional Refi 6.01% 3/19/23
    15 Year Cash-out Refi 6.01% 3/19/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    1,423

    Origination Dollar Volume (All Markets)

    $291,825,000

    Employee count

    782 Show all (16) awards

    Relative Rate

    First Mid Bank & Trust's average 30 year fixed mortgage rate was 3.11%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.04%.

    Relative Fees (Closing Costs)

    First Mid Bank & Trust's average total fees/closing costs for a 30 year fixed rate mortgage were $2,142.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ST. LOUIS, MO-IL (FHA|USDA|VA) 443 $85,915,000 $193,939 $1,949 3.04%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 94 $49,750,000 $529,255 $1,651 3.14%
    Outside of Metro Areas 281 $30,385,000 $108,132 $1,861 3.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $20,005,000 $20,005,000 $0 3.15%
    DECATUR, IL (FHA|USDA|VA) 46 $17,100,000 $371,739 $1,941 3.17%
    Charleston-Mattoon, IL (FHA|USDA|VA) 145 $15,785,000 $108,862 $2,019 3.07%
    COLUMBIA, MO (FHA|USDA|VA) 30 $8,780,000 $292,667 $2,058 3.07%
    Galesburg, IL (FHA|USDA|VA) 86 $7,690,000 $89,419 $1,906 3.06%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 63 $7,415,000 $117,698 $1,741 3.00%
    PEORIA, IL (FHA|USDA|VA) 43 $6,945,000 $161,512 $1,879 3.16%
    TERRE HAUTE, IN (FHA|USDA|VA) 27 $4,445,000 $164,630 $2,038 3.34%
    Mount Vernon, IL (FHA|USDA|VA) 32 $3,930,000 $122,813 $1,610 2.99%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $3,575,000 $3,575,000 $6,082 3.25%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $3,075,000 $341,667 $2,468 3.58%
    Effingham, IL (FHA|USDA|VA) 20 $2,810,000 $140,500 $2,186 3.04%
    Quincy, IL-MO (FHA|USDA|VA) 18 $2,430,000 $135,000 $1,726 2.94%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 5 $2,345,000 $469,000 $2,191 3.18%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $2,295,000 $459,000 $3,292 3.00%
    JEFFERSON CITY, MO (FHA|USDA|VA) 14 $2,020,000 $144,286 $2,074 2.99%
    Freeport, IL (FHA|USDA|VA) 1 $1,955,000 $1,955,000 $0 4.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,815,000 $363,000 $4,510 3.45%
    BLOOMINGTON, IL (FHA|USDA|VA) 6 $1,380,000 $230,000 $1,654 2.83%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $1,040,000 $520,000 $6,333 3.93%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $880,000 $220,000 $2,912 2.91%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $785,000 $785,000 $2,966 3.75%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $685,000 $228,333 $3,097 3.25%
    Taylorville, IL (FHA|USDA|VA) 6 $670,000 $111,667 $1,664 3.08%
    Breckenridge, CO (FHA|USDA|VA) 1 $655,000 $655,000 $2,734 3.50%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $495,000 $495,000 $4,804 2.75%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $475,000 $475,000 $5,108 2.88%
    DANVILLE, IL (FHA|USDA|VA) 4 $460,000 $115,000 $1,607 3.28%
    SPRINGFIELD, IL (FHA|USDA|VA) 4 $410,000 $102,500 $2,135 3.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $385,000 $385,000 $4,294 3.00%
    Logansport, IN (FHA|USDA|VA) 2 $370,000 $185,000 $0 3.94%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $2,682 2.88%
    Meadville, PA (FHA|USDA|VA) 1 $235,000 $235,000 $4,625 3.25%
    Crawfordsville, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,020 3.88%
    Palestine, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,123 3.00%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $185,000 $185,000 $2,001 3.25%
    JOPLIN, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,225 2.75%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $3,173 2.38%
    Paducah, KY-IL (FHA|USDA|VA) 1 $165,000 $165,000 $2,435 3.88%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,340 3.38%
    Moberly, MO (FHA|USDA|VA) 1 $115,000 $115,000 $1,765 2.88%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
    ROCKFORD, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,546 3.25%
    JACKSON, TN (FHA|USDA|VA) 1 $95,000 $95,000 $2,219 3.13%
    KANKAKEE, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,201 2.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $75,000 $75,000 $2,837 2.88%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.88%
    Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.63%
    First Mid Bank & Trust's top markets include St. Louis, Champaign, Orlando, Decatur, and Charleston among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against First Mid Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First State Bank
    Similarity Rank: 24
    The Riddell National Bank
    Similarity Rank: 48
    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 76
    First Bankers Trust Company
    Similarity Rank: 96
    HomeBank
    Similarity Rank: 133
    The Callaway Bank
    Similarity Rank: 198
    Longview Bank & Trust
    Similarity Rank: 228
    MISSOURI Credit Union
    Similarity Rank: 266
    CRANE
    Similarity Rank: 306
    Prairie State Bank and Trust
    Similarity Rank: 319

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,325 $281,615,000 $212,540 $1,838 3.11%
    USDA 98 $10,210,000 $104,184 $3,212 2.37%

    For 2021, First Mid Bank & Trust's most frequently originated type of loan was Conventional, with 1,325 originations. Their 2nd most popular type was USDA, with 98 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 786 $127,900,000 $162,723 $2,176 3.05%
    Refi 293 $65,975,000 $225,171 $1,711 2.96%
    Cash Out Refi 287 $92,005,000 $320,575 $1,625 3.14%
    Home Improvement 32 $2,830,000 $88,438 $1,076 3.45%
    Other 25 $3,115,000 $124,600 $1,638 3.29%

    For 2021, First Mid Bank & Trust's most frequently cited loan purpose was Home Purchase, with 786 originations. The 2nd most popular reason was Refi, with 293 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 812 $134,730,000 $165,924 $2,142 3.11%
    15 Year 374 $53,420,000 $142,834 $1,758 2.68%
    5 Year 72 $68,950,000 $957,639 $0 3.89%
    10 Year 69 $7,475,000 $108,333 $902 3.14%
    20 Year 66 $9,610,000 $145,606 $1,559 3.20%
    Other 27 $17,255,000 $639,074 $1,548 3.98%
    3 Year 2 $230,000 $115,000 $0 3.94%
    1 Year 1 $155,000 $155,000 $0 4.00%

    For 2021, First Mid Bank & Trust's most frequently cited loan duration was 30 Year, with 812 originations. The 2nd most popular length was 15 Year, with 374 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,236 $193,330,000 $156,416
    $1k-2k 32 $4,220,000 $131,875
    $2k-3k 6 $1,120,000 $186,667
    $3k-4k 1 $275,000 $275,000
    $5k+ 1 $205,000 $205,000

    First Mid Bank & Trust's average total fees were $2,142, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,236 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 631 $151,685,000 $240,388
    2.5-3% 472 $98,730,000 $209,174
    <2.5% 281 $36,865,000 $131,192
    4-5% 33 $4,365,000 $132,273
    5-6% 5 $145,000 $29,000
    6-7% 1 $35,000 $35,000

    During 2021, First Mid Bank & Trust's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 631 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 557 $36,895,000 $66,239 $1,798 3.10%
    $100k-200k 520 $72,790,000 $139,981 $1,940 2.99%
    $200k-400k 277 $75,035,000 $270,884 $2,106 3.06%
    $400k-600k 33 $15,235,000 $461,667 $2,528 3.15%
    $1MM+ 21 $80,585,000 $3,837,381 $2,993 3.39%
    $600k-1MM 15 $11,285,000 $752,333 $3,166 3.58%

    2021 saw First Mid Bank & Trust place emphasis on $100,000 or less loans with 557 originations, totaling $36,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 364 $30,160,000 $82,857 $1,961 2.98%
    $50k-75k 319 $39,115,000 $122,618 $1,991 3.01%
    $100k-150k 253 $47,005,000 $185,791 $1,902 2.99%
    $75k-100k 205 $30,415,000 $148,366 $1,832 3.05%
    $150k-250k 114 $26,010,000 $228,158 $1,825 3.08%
    $250k+ 61 $28,905,000 $473,852 $2,393 3.18%

    First Mid Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 364 originations. The second most popular income band? $50k-75k, with 319 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 440 $63,090,000 $143,386 $1,880 3.00%
    30-36% 243 $39,845,000 $163,971 $1,998 3.03%
    <20% 229 $36,185,000 $158,013 $1,804 2.96%
    37% 47 $7,515,000 $159,894 $2,065 2.93%
    39% 45 $5,995,000 $133,222 $1,987 2.91%
    36% 45 $7,125,000 $158,333 $2,139 2.99%
    41% 42 $6,960,000 $165,714 $2,200 2.99%
    40% 37 $6,925,000 $187,162 $2,188 2.95%
    42% 31 $4,565,000 $147,258 $1,993 3.06%
    43% 29 $3,765,000 $129,828 $2,074 2.95%
    45% 27 $5,045,000 $186,852 $2,073 3.13%
    38% 26 $4,230,000 $162,692 $1,737 2.97%
    44% 22 $3,270,000 $148,636 $2,208 2.91%
    47% 17 $2,165,000 $127,353 $1,914 2.94%
    46% 13 $2,105,000 $161,923 $2,131 3.02%
    48% 10 $1,210,000 $121,000 $1,919 2.71%
    49% 7 $1,915,000 $273,571 $2,046 3.14%
    50-60% 7 $1,725,000 $246,429 $1,676 3.38%
    >60% 1 $65,000 $65,000 $2,497 2.25%

    First Mid Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 440 originations. The next most common DTI ratio? 30-36%, with 243 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,260 $191,830,000 $152,246 $1,943 3.01%
    Not applicable 70 $82,440,000 $1,177,714 $0 3.90%
    Not provided 43 $9,975,000 $231,977 $1,964 3.10%
    Black 29 $3,815,000 $131,552 $2,052 3.10%
    Asian 16 $3,120,000 $195,000 $1,901 3.10%
    Asian Indian 1 $235,000 $235,000 $1,619 2.75%
    Filipino 1 $225,000 $225,000 $1,859 2.38%
    American Indian 2 $140,000 $70,000 $1,632 2.81%
    Korean 1 $45,000 $45,000 $500 3.38%

    Approval Rates

    Total approvals of all applications
    85.28%

    First Mid Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.66%

    First Mid Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,423 $291,825,000 $205,077

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,423 $291,825,000 $205,077

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 91 $8,195,000 $90,055 $1,302 3.15%
    40-60% 189 $50,415,000 $266,746 $1,690 2.99%
    60-80% 563 $144,215,000 $256,155 $1,808 3.13%
    80-100% 558 $86,100,000 $154,301 $2,250 2.99%
    Over 100% 2 $310,000 $155,000 $3,775 2.38%
    Under 20% 16 $2,270,000 $141,875 $831 3.61%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    FIRST UNITED BANK AND TRUST COMPANY Conventional home mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Mid Bank & Trust, National Association 1101 W. Garfield Avenue Peoria, IL 61607 Full Service B&M $28,665
    First Mid Bank & Trust, National Association 1 Jefferson Street Mansfield, IL 61854 Full Service B&M $50,174
    First Mid Bank & Trust, National Association 100 South Water Street Decatur, IL 62526 Full Service B&M $74,349
    First Mid Bank & Trust, National Association 1001 South Fifth Street Saint Charles, MO 63301 Full Service B&M $63,525
    First Mid Bank & Trust, National Association 101 East Main Street Galesburg, IL 61401 Full Service B&M $65,412
    First Mid Bank & Trust, National Association 101 South Central Avenue Paris, IL 61944 Full Service B&M $82,458
    First Mid Bank & Trust, National Association 101 West Washington Street Altamont, IL 62411 Full Service B&M $46,215
    First Mid Bank & Trust, National Association 102 East Sixth Street Neoga, IL 62447 Full Service B&M $37,923
    First Mid Bank & Trust, National Association 1021 West Bird Boulevard Peoria, IL 61614 Full Service B&M $25,943
    First Mid Bank & Trust, National Association 1046 Madison Avenue Wood River, IL 62095 Full Service B&M $66,554
    First Mid Bank & Trust, National Association 1090 South Route 51 Forsyth, IL 62535 Full Service B&M $45,769
    First Mid Bank & Trust, National Association 2 E Locust St Harrisburg, IL 62946 Full Service B&M $80,704
    First Mid Bank & Trust, National Association 200 North Main Street Taylorville, IL 62568 Full Service B&M $14,801
    First Mid Bank & Trust, National Association 200 South Hamilton Street Sullivan, IL 61951 Full Service B&M $110,532
    First Mid Bank & Trust, National Association 2143 S Hwy 157 Edwardsville, IL 62025 Full Service B&M $58,565
    First Mid Bank & Trust, National Association 219 West Center Street Monticello, IL 61856 Limited, Drive-thru $84,987
    First Mid Bank & Trust, National Association 230 Sw Adams Street Peoria, IL 61602 Full Service B&M $24,925
    First Mid Bank & Trust, National Association 2306 E. Washington Bloomington, IL 61704 Full Service B&M $26,669
    First Mid Bank & Trust, National Association 2306 Williamson County Parkway Marion, IL 62959 Full Service B&M $23,056
    First Mid Bank & Trust, National Association 249 W Springfield Road Arcola, IL 61910 Full Service B&M $38,534
    First Mid Bank & Trust, National Association 295 Salt Lick Road Saint Peters, MO 63376 Full Service B&M $54,779
    First Mid Bank & Trust, National Association 300 Ellis Boulevard Jefferson City, MO 65101 Full Service B&M $52,977
    First Mid Bank & Trust, National Association 300 South Division Carterville, IL 62918 Full Service B&M $50,133
    First Mid Bank & Trust, National Association 300 St Louis Street Edwardsville, IL 62025 Full Service B&M $105,416
    First Mid Bank & Trust, National Association 301 Broadway Elsberry, MO 63343 Full Service B&M $45,567
    First Mid Bank & Trust, National Association 3233 Broadway Quincy, IL 62301 Full Service B&M $25,239
    First Mid Bank & Trust, National Association 331 E Main St Knoxville, IL 61448 Full Service B&M $20,876
    First Mid Bank & Trust, National Association 333 East Broadway Avenue Mattoon, IL 61938 Full Service B&M $59,923
    First Mid Bank & Trust, National Association 3525 Missouri Boulevard Jefferson City, MO 65109 Full Service B&M $30,262
    First Mid Bank & Trust, National Association 3855 Forum Boulevard Columbia, MO 65203 Full Service B&M $109,681
    First Mid Bank & Trust, National Association 400 Market Street Mount Carmel, IL 62863 Full Service B&M $52,432
    First Mid Bank & Trust, National Association 400 S 34th Street Mount Vernon, IL 62864 Full Service B&M $53,839
    First Mid Bank & Trust, National Association 4001 East Highway 47 Winfield, MO 63389 Full Service B&M $24,163
    First Mid Bank & Trust, National Association 410 South Main Street Tuscola, IL 61953 Full Service B&M $52,150
    First Mid Bank & Trust, National Association 4530 North University Peoria, IL 61612 Full Service B&M $57,269
    First Mid Bank & Trust, National Association 455 North Main Street Decatur, IL 62522 Full Service B&M $169,998
    First Mid Bank & Trust, National Association 460 Hawk Ridge Trail Lake Saint Louis, MO 63367 Full Service Retail $49,176
    First Mid Bank & Trust, National Association 4600 North Illinois Street Fairview Heights, IL 62208 Full Service B&M $131,857
    First Mid Bank & Trust, National Association 4825 U.S. Route 36 East Decatur, IL 62521 Full Service B&M $58,845
    First Mid Bank & Trust, National Association 500 West Lincoln Charleston, IL 61920 Full Service B&M $155,241
    First Mid Bank & Trust, National Association 502 East Oak Street Mahomet, IL 61853 Full Service B&M $48,816
    First Mid Bank & Trust, National Association 509 South University Avenue Carbondale, IL 62901 Full Service B&M $94,774
    First Mid Bank & Trust, National Association 560 East Pershing Road Decatur, IL 62525 Full Service B&M $52,307
    First Mid Bank & Trust, National Association 601 South Vine Urbana, IL 61801 Limited, Drive-thru $45,113
    First Mid Bank & Trust, National Association 610 North Michigan Avenue Marshall, IL 62441 Full Service B&M $108,365
    First Mid Bank & Trust, National Association 636 Hampshire Street Quincy, IL 62301 Full Service B&M $26,270
    First Mid Bank & Trust, National Association 6814 Goshen Road Edwardsville, IL 62025 Full Service B&M $421,665
    First Mid Bank & Trust, National Association 719 Rollie Moore Drive Harrisburg, IL 62946 Full Service B&M $8,967
    First Mid Bank & Trust, National Association 7700 Bonhomme Avenue Clayton, MO 63105 Full Service Retail $88,937
    First Mid Bank & Trust, National Association 8 North 5th Street Columbia, MO 65201 Full Service B&M $19,370
    First Mid Bank & Trust, National Association 815 West Stadium Boulevard Jefferson City, MO 65109 Full Service B&M $77,800
    First Mid Bank & Trust, National Association 902 North Keller Drive Effingham, IL 62401 Full Service B&M $25,135
    First Mid Bank & Trust, National Association 909 12th St Lawrenceville, IL 62439 Full Service B&M $25,787
    First Mid Bank & Trust, National Association 913 West Marketview Champaign, IL 61822 Full Service B&M $5,013
    First Mid Bank & Trust, National Association 915 West Main Street Carbondale, IL 62901 Full Service Retail $10,530
    First Mid Bank & Trust, National Association 995 Kk Drive Osage Beach, MO 65065 Full Service B&M $40,797
    First Mid Bank & Trust, National Association 111 East 4th Street Alton, IL 62002 Full Service B&M $6,800
    First Mid Bank & Trust, National Association 1115 South Main Street Grapevine, TX 76051 Full Service B&M $38,694
    First Mid Bank & Trust, National Association 114 West Church Street Champaign, IL 61824 Full Service B&M $38,548
    First Mid Bank & Trust, National Association 116 West Main Street Carmi, IL 62821 Full Service B&M $63,061
    First Mid Bank & Trust, National Association 1251 Woodfield Drive Savoy, IL 61874 Full Service B&M $46,027
    First Mid Bank & Trust, National Association 12616 State Route 143 Highland, IL 62249 Full Service B&M $90,706
    First Mid Bank & Trust, National Association 1500 East Grove Street Rantoul, IL 61866 Full Service B&M $23,160
    First Mid Bank & Trust, National Association 1515 Charleston Ave Mattoon, IL 61938 Full Service B&M $861,966
    First Mid Bank & Trust, National Association 1515 N Henderson Street Galesburg, IL 61401 Full Service B&M $52,886
    First Mid Bank & Trust, National Association 1643 South Jefferson Avenue, Suite E Saint Louis, MO 63104 Full Service B&M $2,439
    First Mid Bank & Trust, National Association 1709 Walnut Street Murphysboro, IL 62966 Full Service B&M $40,058

    For 2021, First Mid Bank & Trust had 67 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $183,562
    Net interest income $172,780
    Total noninterest income $33,862
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $7,607
    Trading account gains and fees $0
    Additional Noninterest Income $26,255
    Pre-tax net operating income $63,458
    Securities gains (or losses, -) $563
    Income before extraordinary items $49,126
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $49,126
    Minority interest net income $0
    Net income $49,126
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $48,681

    First Mid Bank & Trust's gross interest income from loans was $183,562,000.
    First Mid Bank & Trust's net interest income from loans was $172,780,000.
    First Mid Bank & Trust's fee based income from loans was $7,607,000.
    First Mid Bank & Trust's net income from loans was $49,126,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,782
    Provision for credit losses $15,281
    Total noninterest expense $127,903
    Salaries and employee benefits $66,497
    Premises and equipment expense $21,280
    Additional noninterest expense $40,126
    Applicable income taxes $14,895
    Net charge-offs $4,480
    Cash dividends $24,375

    First Mid Bank & Trust's interest expense for loans was $10,782,000.
    First Mid Bank & Trust's payroll and benefits expense were $66,497,000.
    First Mid Bank & Trust's property, plant and equipment expenses $21,280,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,001,176
    Deposits held in domestic offices $5,001,176
    Deposits by Individuals, partnerships, and corporations $4,653,420
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $345,220
    Deposits by Commercial banks and other depository institutions in U.S. $2,536
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,177,403
    Demand deposits $773,751
    Nontransaction accounts $3,823,773
    Money market deposit accounts (MMDAs) $2,694,381
    Other savings deposits (excluding MMDAs) $567,340
    Total time deposits $562,052
    Total time and savings deposits $4,227,425
    Noninterest-bearing deposits $1,291,293
    Interest-bearing deposits $3,709,883
    Retail deposits $4,625,279
    IRAs and Keogh plan accounts $87,002
    Brokered deposits $258,007
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,951,048
    Cash & Balances due from depository institutions $165,661
    Interest-bearing balances $77,560
    Total securities $1,428,112
    Federal funds sold & reverse repurchase $1,360
    Net loans and leases $3,940,868
    Loan and leases loss allowance $54,655
    Trading account assets $0
    Bank premises and fixed assets $91,655
    Other real estate owned $4,984
    Goodwill and other intangibles $125,232
    All other assets $193,176

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,951,048
    Total Liabilities $5,265,743
    Total deposits $5,001,176
    Interest-bearing deposits $3,709,883
    Deposits held in domestic offices $5,001,176
    % insured (estimated) $72
    Federal funds purchased and repurchase agreements $146,268
    Trading liabilities $0
    Other borrowed funds $86,446
    Subordinated debt $0
    All other liabilities $31,853

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,940,868
    Loan and leases loss allowance $54,655
    Total loans and leases (domestic) $3,995,523
    All real estate loans $2,789,843
    Real estate loans in domestic offices $2,789,843
    Construction and development loans $145,118
    Residential 1-4 family construction $15,982
    Other construction, all land development and other land $129,136
    Loans secured by nonfarm nonresidential properties $1,666,198
    Nonfarm nonresidential secured by owner-occupied properties $641,363
    Commercial real estate & other non-farm, non-residential $1,024,835
    Multifamily residential real estate $298,942
    1-4 family residential loans $400,313
    Farmland loans $279,272
    Loans held in foreign offices $0
    Farm loans $151,484
    Commercial and industrial loans $832,008
    To non-U.S. addressees $0
    Loans to individuals $78,442
    Credit card loans $0
    Related Plans $716
    Consumer Auto Loans $46,528
    Other loans to individuals $31,198
    All other loans & leases $143,746
    Loans to foreign governments and official institutions $0
    Other loans $75,694
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $28,156
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,931
    Non 1-4 family restructured loans & leases $3,049
    Total loans and leases (foreign) $0

    First Mid Bank & Trust had $3,940,868,000 of loans outstanding in 2021. $2,789,843,000 of loans were in real estate loans. $145,118,000 of loans were in development loans. $298,942,000 of loans were in multifamily mortgage loans. $400,313,000 of loans were in 1-4 family mortgage loans. $151,484,000 of loans were in farm loans. $0 of loans were in credit card loans. $46,528,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 997 $247,898 $248,644
    Nonfarm, nonresidential loans - <$100k 226 $13,009 $57,562
    Nonfarm, nonresidential loans - $100-250k 294 $37,739 $128,364
    Nonfarm, nonresidential loans - $250k-1MM 477 $197,150 $413,312
    Commercial & Industrial, US addressed loans - <$1MM 1,942 $185,308 $95,421
    Commercial & Industrial, US addressed loans - <$100k 1,210 $39,902 $32,977
    Commercial & Industrial, US addressed loans - $100-250k 416 $45,334 $108,976
    Commercial & Industrial, US addressed loans - $250k-1MM 316 $100,072 $316,684
    Farmland loans - <$1MM 490 $70,647 $144,178
    Farmland loans - <$100k 138 $5,391 $39,065
    Farmland loans - $100-250k 205 $25,314 $123,483
    Farmland loans - $250k-1MM 147 $39,942 $271,714
    Agriculture operations loans - <$1MM 622 $46,421 $74,632
    Agriculture operations loans - <$100k 407 $12,260 $30,123
    Agriculture operations loans - $100-250k 140 $16,950 $121,071
    Agriculture operations loans - $250k-1MM 75 $17,211 $229,480