First Mid Bank & Trust Mortgage Rates, Fees & Info

Mattoon, IL

LEI: 549300XOTES5TCS8T794

Tax ID: 37-0404035

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • 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 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, Charleston, Galesburg, and Peoria among others. We have data for 29 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
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.82% 12/16/24
    30 Year Conventional Refi 6.56% 12/16/24
    30 Year Cash-out Refi 6.74% 12/16/24
    30 Year USDA Purchase 6.41% 12/16/24
    30 Year USDA Refi 6.13% 12/16/24
    15 Year Conventional Purchase 6.29% 12/16/24
    15 Year Conventional Refi 6.19% 12/16/24
    15 Year Cash-out Refi 6.19% 12/16/24
    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.

    First Mid Bank & Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from First Mid Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    751

    Origination Dollar Volume (All Markets)

    $151,585,000

    Employee count

    595 Show all (14) awards

    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) 214 $67,630,000 $316,028 $1,908 4.53%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 45 $24,785,000 $550,778 $1,855 4.61%
    Outside of Metro Areas 139 $14,785,000 $106,367 $1,639 4.67%
    Charleston-Mattoon, IL (FHA|USDA|VA) 127 $14,245,000 $112,165 $1,861 4.68%
    Galesburg, IL (FHA|USDA|VA) 46 $6,080,000 $132,174 $1,812 4.79%
    PEORIA, IL (FHA|USDA|VA) 36 $5,530,000 $153,611 $1,773 4.55%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 52 $5,280,000 $101,538 $1,590 4.70%
    Quincy, IL-MO (FHA|USDA|VA) 26 $2,850,000 $109,615 $1,667 4.62%
    Effingham, IL (FHA|USDA|VA) 15 $1,825,000 $121,667 $1,893 4.36%
    Mount Vernon, IL (FHA|USDA|VA) 24 $1,750,000 $72,917 $1,358 4.81%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $2,120 3.50%
    SALINAS, CA (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $4,774 3.75%
    DECATUR, IL (FHA|USDA|VA) 6 $860,000 $143,333 $2,066 4.94%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $655,000 $655,000 $0 5.25%
    BLOOMINGTON, IL (FHA|USDA|VA) 3 $595,000 $198,333 $2,368 4.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $455,000 $455,000 $3,255 4.38%
    TERRE HAUTE, IN (FHA|USDA|VA) 2 $430,000 $215,000 $1,590 5.25%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 4.25%
    BOULDER, CO (FHA|USDA|VA) 1 $255,000 $255,000 $2,832 4.25%
    Paducah, KY-IL (FHA|USDA|VA) 1 $175,000 $175,000 $2,354 4.25%
    Baraboo, WI (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.75%
    SPRINGFIELD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $1,435 4.38%
    Centralia, IL (FHA|USDA|VA) 1 $125,000 $125,000 $1,717 4.63%
    KANKAKEE, IL (FHA|USDA|VA) 1 $125,000 $125,000 $4,029 4.13%
    Macomb, IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,663 5.13%
    Burlington, IA-IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,069 4.13%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,967 5.38%
    Lincoln, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,632 3.50%
    Taylorville, IL (FHA|USDA|VA) 1 $45,000 $45,000 $1,329 4.25%
    First Mid Bank & Trust's top markets include St. Louis, Champaign, Charleston, Galesburg, and Peoria among others.

    Their top states include:
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Florida (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.

    Terre Haute Savings Bank
    Similarity Rank: 18
    Rock Valley Credit Union
    Similarity Rank: 30
    ISU Federal Credit Union
    Similarity Rank: 30
    The Bank of Carbondale
    Similarity Rank: 40
    First Bank & Trust IL
    Similarity Rank: 45
    First Bankers Trust Company
    Similarity Rank: 60
    FIRST NORTHERN Credit Union
    Similarity Rank: 72
    The Fisher National Bank
    Similarity Rank: 90
    HomeBank
    Similarity Rank: 96
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 100

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 706 $147,260,000 $208,584 $1,710 4.64%
    USDA 45 $4,325,000 $96,111 $3,005 4.36%

    For 2018, First Mid Bank & Trust's most frequently originated type of loan was Conventional, with 706 originations. Their 2nd most popular type was USDA, with 45 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 485 $98,625,000 $203,351 $2,048 4.58%
    Cash Out Refi 153 $22,175,000 $144,935 $1,341 4.69%
    Refi 72 $27,700,000 $384,722 $1,300 4.67%
    Home Improvement 24 $1,730,000 $72,083 $992 4.78%
    Other 17 $1,355,000 $79,706 $1,549 4.93%

    For 2018, First Mid Bank & Trust's most frequently cited loan purpose was Home Purchase, with 485 originations. The 2nd most popular reason was Cash Out Refi, with 153 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 447 $67,245,000 $150,436 $2,032 4.58%
    15 Year 162 $17,150,000 $105,864 $1,587 4.47%
    10 Year 53 $35,545,000 $670,660 $691 4.99%
    20 Year 47 $4,895,000 $104,149 $1,339 4.66%
    5 Year 27 $21,515,000 $796,852 $463 5.19%
    Other 13 $4,475,000 $344,231 $1,066 5.18%
    1 Year 1 $145,000 $145,000 $0 5.50%
    3 Year 1 $615,000 $615,000 $0 4.39%

    For 2018, First Mid Bank & Trust's most frequently cited loan duration was 30 Year, with 447 originations. The 2nd most popular length was 15 Year, with 162 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 639 $82,695,000 $129,413
    $1k-2k 20 $2,770,000 $138,500
    $2k-3k 4 $620,000 $155,000
    $4k-5k 2 $690,000 $345,000
    $5k+ 2 $610,000 $305,000
    $3k-4k 1 $175,000 $175,000

    First Mid Bank & Trust's average total fees were $2,032, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 639 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 523 $103,375,000 $197,658
    5-6% 125 $14,225,000 $113,800
    3-4% 93 $33,695,000 $362,312
    6-7% 9 $265,000 $29,444
    7-8% 1 $25,000 $25,000

    During 2018, First Mid Bank & Trust's average interest rate for loans was 4.58%, while their most frequently originated rate bucket for loans was 4-5%, with 523 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 370 $22,390,000 $60,514 $1,563 4.74%
    $100k-200k 247 $34,905,000 $141,316 $1,957 4.53%
    $200k-400k 103 $26,845,000 $260,631 $2,055 4.45%
    $400k-600k 17 $7,425,000 $436,765 $2,551 4.58%
    $1MM+ 8 $55,820,000 $6,977,500 $3,676 4.32%
    $600k-1MM 6 $4,200,000 $700,000 $2,455 4.48%

    2018 saw First Mid Bank & Trust place emphasis on $100,000 or less loans with 370 originations, totaling $22,390,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 205 $14,185,000 $69,195 $1,735 4.65%
    $50k-75k 151 $15,835,000 $104,868 $1,792 4.51%
    $100k-150k 139 $21,985,000 $158,165 $1,841 4.62%
    $75k-100k 123 $16,105,000 $130,935 $1,728 4.66%
    $150k-250k 67 $13,285,000 $198,284 $1,847 4.60%
    $250k+ 25 $9,235,000 $369,400 $2,379 4.39%

    First Mid Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 205 originations. The second most popular income band? $50k-75k, with 151 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 220 $25,940,000 $117,909 $1,792 4.62%
    30-36% 139 $20,385,000 $146,655 $1,795 4.57%
    <20% 107 $12,085,000 $112,944 $1,660 4.53%
    40% 28 $3,580,000 $127,857 $1,962 4.55%
    36% 21 $2,125,000 $101,190 $2,092 4.47%
    41% 20 $2,400,000 $120,000 $1,532 4.73%
    38% 18 $3,120,000 $173,333 $2,401 4.54%
    37% 18 $1,950,000 $108,333 $1,727 4.51%
    42% 17 $2,675,000 $157,353 $1,863 4.49%
    39% 15 $2,025,000 $135,000 $1,912 4.79%
    45% 15 $2,255,000 $150,333 $1,949 4.39%
    43% 14 $1,420,000 $101,429 $1,687 4.64%
    50-60% 11 $1,465,000 $133,182 $1,517 5.05%
    46% 11 $1,535,000 $139,545 $1,768 4.67%
    47% 10 $1,440,000 $144,000 $1,816 4.55%
    44% 10 $1,570,000 $157,000 $2,210 4.48%
    49% 8 $1,080,000 $135,000 $2,068 4.97%
    48% 7 $975,000 $139,286 $1,836 4.34%
    >60% 6 $1,520,000 $253,333 $1,453 4.38%

    First Mid Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 220 originations. The next most common DTI ratio? 30-36%, with 139 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 685 $88,145,000 $128,679 $1,798 4.61%
    Not applicable 31 $58,105,000 $1,874,355 $0 5.01%
    Asian 11 $2,615,000 $237,727 $2,391 4.68%
    Black 11 $1,475,000 $134,091 $1,394 4.65%
    Not provided 13 $1,245,000 $95,769 $1,598 4.54%

    Approval Rates

    Total approvals of all applications
    84.80%

    First Mid Bank & Trust has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    87.22%

    First Mid Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 751 $151,585,000 $201,844

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $1,160,000 $580,000
    Multifamily:Site-Built 25 $57,265,000 $2,290,600
    Single Family (1-4 Units):Manufactured 15 $835,000 $55,667
    Single Family (1-4 Units):Site-Built 709 $92,325,000 $130,219

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 60 $5,170,000 $86,167 $1,217 4.76%
    40-60% 78 $11,410,000 $146,282 $1,458 4.46%
    60-80% 295 $94,245,000 $319,475 $1,729 4.66%
    80-100% 303 $39,835,000 $131,469 $2,097 4.55%
    Over 100% 1 $325,000 $325,000 $1,571 6.00%
    Under 20% 14 $600,000 $42,857 $464 5.62%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 3 21.4%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 5 35.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Mid Bank & Trust, National Association 1 Jefferson Street Mansfield, IL 61854 Full Service B&M $46,876
    First Mid Bank & Trust, National Association 100 South Water Street Decatur, IL 62526 Full Service B&M $52,625
    First Mid Bank & Trust, National Association 101 East Main Street Galesburg, IL 61401 Full Service B&M $52,312
    First Mid Bank & Trust, National Association 101 West Washington Street Altamont, IL 62411 Full Service B&M $35,645
    First Mid Bank & Trust, National Association 102 East Sixth Street Neoga, IL 62447 Full Service B&M $27,177
    First Mid Bank & Trust, National Association 102 North Chestnut Street De Soto, IL 62924 Full Service B&M $20,041
    First Mid Bank & Trust, National Association 1021 West Bird Boulevard Peoria, IL 61614 Full Service B&M $19,098
    First Mid Bank & Trust, National Association 1046 Madison Avenue Wood River, IL 62095 Full Service B&M $51,157
    First Mid Bank & Trust, National Association 1101 W. Garfield Avenue Peoria, IL 61607 Full Service B&M $22,310
    First Mid Bank & Trust, National Association 116 West Main Street Carmi, IL 62821 Full Service B&M $80,655
    First Mid Bank & Trust, National Association 12616 State Route 143 Highland, IL 62249 Full Service B&M $58,895
    First Mid Bank & Trust, National Association 1301 Broadway Highland, IL 62249 Full Service B&M $7,279
    First Mid Bank & Trust, National Association 1515 Charleston Avenue Mattoon, IL 61938 Full Service B&M $389,367
    First Mid Bank & Trust, National Association 1515 N Henderson Street Galesburg, IL 61401 Full Service B&M $42,295
    First Mid Bank & Trust, National Association 1688 South Baltimore Decatur, IL 62521 Full Service B&M $543
    First Mid Bank & Trust, National Association 1709 Walnut Street Murphysboro, IL 62966 Full Service B&M $24,035
    First Mid Bank & Trust, National Association 2 E Locust St Harrisburg, IL 62946 Full Service B&M $68,346
    First Mid Bank & Trust, National Association 200 North Main Street Taylorville, IL 62568 Full Service B&M $12,239
    First Mid Bank & Trust, National Association 200 South Hamilton Street Sullivan, IL 61951 Full Service B&M $88,484
    First Mid Bank & Trust, National Association 2143 S Hwy 157 Edwardsville, IL 62025 Full Service B&M $44,886
    First Mid Bank & Trust, National Association 219 West Center Street Monticello, IL 61856 Limited, Drive-thru $61,303
    First Mid Bank & Trust, National Association 2229 South Neil Street Champaign, IL 61820 Full Service B&M $25,148
    First Mid Bank & Trust, National Association 225 S. Meramec Ave, Suite 302 Clayton, MO 63105 Full Service Retail $2,747
    First Mid Bank & Trust, National Association 230 Sw Adams Street Peoria, IL 61602 Full Service B&M $18,461
    First Mid Bank & Trust, National Association 2306 Williamson County Parkway Marion, IL 62959 Full Service B&M $16,227
    First Mid Bank & Trust, National Association 249 W Springfield Road Arcola, IL 61910 Full Service B&M $26,559
    First Mid Bank & Trust, National Association 2930 North Center Maryville, IL 62062 Full Service B&M $9,906
    First Mid Bank & Trust, National Association 300 South Division Carterville, IL 62918 Full Service B&M $23,669
    First Mid Bank & Trust, National Association 300 St Louis Street Edwardsville, IL 62025 Full Service B&M $80,794
    First Mid Bank & Trust, National Association 3037 N. Sterling Peoria, IL 61604 Full Service B&M $26,101
    First Mid Bank & Trust, National Association 3101 North Water Street Decatur, IL 62526 Full Service B&M $1,085
    First Mid Bank & Trust, National Association 3233 Broadway Quincy, IL 62301 Full Service B&M $23,106
    First Mid Bank & Trust, National Association 331 E Main St Knoxville, IL 61448 Full Service B&M $16,695
    First Mid Bank & Trust, National Association 333 East Broadway Avenue Mattoon, IL 61938 Full Service B&M $27,068
    First Mid Bank & Trust, National Association 400 Market Street Mount Carmel, IL 62863 Full Service B&M $56,995
    First Mid Bank & Trust, National Association 400 S 34th Street Mount Vernon, IL 62864 Full Service B&M $46,535
    First Mid Bank & Trust, National Association 410 South Main Street Tuscola, IL 61953 Full Service B&M $39,670
    First Mid Bank & Trust, National Association 4101 North Illinois Street Swansea, IL 62226 Full Service B&M $5,362
    First Mid Bank & Trust, National Association 490 Maple St Weldon, IL 61882 Full Service B&M $11,958
    First Mid Bank & Trust, National Association 500 West Lincoln Charleston, IL 61920 Full Service B&M $122,309
    First Mid Bank & Trust, National Association 502 East Oak Street Mahomet, IL 61853 Full Service B&M $34,033
    First Mid Bank & Trust, National Association 509 South University Avenue Carbondale, IL 62901 Full Service B&M $73,454
    First Mid Bank & Trust, National Association 601 South Vine Urbana, IL 61801 Limited, Drive-thru $18,530
    First Mid Bank & Trust, National Association 636 Hampshire Street Quincy, IL 62301 Full Service B&M $24,049
    First Mid Bank & Trust, National Association 6814 Goshen Road Edwardsville, IL 62025 Full Service B&M $323,176
    First Mid Bank & Trust, National Association 701 Sixth Street Charleston, IL 61920 Limited, Drive-thru $13,590
    First Mid Bank & Trust, National Association 719 Rollie Moore Drive Harrisburg, IL 62946 Full Service B&M $7,594
    First Mid Bank & Trust, National Association 902 North Keller Drive Effingham, IL 62401 Full Service B&M $18,669
    First Mid Bank & Trust, National Association 909 12th St Lawrenceville, IL 62439 Full Service B&M $22,291
    First Mid Bank & Trust, National Association 913 West Marketview Champaign, IL 61822 Full Service B&M $441
    First Mid Bank & Trust, National Association 915 West Main Street Carbondale, IL 62901 Full Service Retail $8,162

    For 2018, First Mid Bank & Trust had 51 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $122,711
    Net interest income $111,833
    Total noninterest income $23,084
    Gross Fiduciary activities income $1,940
    Service charges on deposit accounts $7,830
    Trading account gains and fees $0
    Additional Noninterest Income $13,314
    Pre-tax net operating income $48,475
    Securities gains (or losses, -) $901
    Income before extraordinary items $37,406
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $37,406
    Minority interest net income $0
    Net income $37,406
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $36,694

    First Mid Bank & Trust's gross interest income from loans was $122,711,000.
    First Mid Bank & Trust's net interest income from loans was $111,833,000.
    First Mid Bank & Trust's fee based income from loans was $7,830,000.
    First Mid Bank & Trust's net income from loans was $37,406,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,878
    Provision for credit losses $8,667
    Total noninterest expense $77,775
    Salaries and employee benefits $38,426
    Premises and equipment expense $12,805
    Additional noninterest expense $26,544
    Applicable income taxes $11,970
    Net charge-offs $2,455
    Cash dividends $21,093

    First Mid Bank & Trust's interest expense for loans was $10,878,000.
    First Mid Bank & Trust's payroll and benefits expense were $38,426,000.
    First Mid Bank & Trust's property, plant and equipment expenses $12,805,000.

    Loan Performance

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

    Deposits

    Type Value (in 000's)
    Total deposits $2,713,912
    Deposits held in domestic offices $2,713,912
    Deposits by Individuals, partnerships, and corporations $2,471,589
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $242,297
    Deposits by Commercial banks and other depository institutions in U.S. $26
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $380,539
    Demand deposits $201,277
    Nontransaction accounts $2,333,373
    Money market deposit accounts (MMDAs) $1,420,528
    Other savings deposits (excluding MMDAs) $354,664
    Total time deposits $558,180
    Total time and savings deposits $2,512,635
    Noninterest-bearing deposits $548,474
    Interest-bearing deposits $2,165,438
    Retail deposits $2,616,180
    IRAs and Keogh plan accounts $70,519
    Brokered deposits $18,511
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,396,909
    Cash & Balances due from depository institutions $119,702
    Interest-bearing balances $59,372
    Total securities $672,435
    Federal funds sold & reverse repurchase $665
    Net loans and leases $2,366,260
    Loan and leases loss allowance $26,189
    Trading account assets $0
    Bank premises and fixed assets $43,899
    Other real estate owned $2,095
    Goodwill and other intangibles $99,028
    All other assets $92,825

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,396,909
    Total Liabilities $2,989,068
    Total deposits $2,713,912
    Interest-bearing deposits $2,165,438
    Deposits held in domestic offices $2,713,912
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $163,610
    Trading liabilities $0
    Other borrowed funds $100,770
    Subordinated debt $0
    All other liabilities $10,776

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,366,260
    Loan and leases loss allowance $26,189
    Total loans and leases (domestic) $2,392,449
    All real estate loans $1,585,507
    Real estate loans in domestic offices $1,585,507
    Construction and development loans $49,862
    Residential 1-4 family construction $10,354
    Other construction, all land development and other land $39,508
    Loans secured by nonfarm nonresidential properties $852,629
    Nonfarm nonresidential secured by owner-occupied properties $365,645
    Commercial real estate & other non-farm, non-residential $486,984
    Multifamily residential real estate $119,419
    1-4 family residential loans $362,337
    Farmland loans $201,260
    Loans held in foreign offices $0
    Farm loans $119,037
    Commercial and industrial loans $521,546
    To non-U.S. addressees $0
    Loans to individuals $52,982
    Credit card loans $0
    Related Plans $804
    Consumer Auto Loans $12,253
    Other loans to individuals $39,925
    All other loans & leases $113,387
    Loans to foreign governments and official institutions $0
    Other loans $30,457
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,972
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,451
    Non 1-4 family restructured loans & leases $683
    Total loans and leases (foreign) $0

    First Mid Bank & Trust had $2,366,260,000 of loans outstanding in 2018. $1,585,507,000 of loans were in real estate loans. $49,862,000 of loans were in development loans. $119,419,000 of loans were in multifamily mortgage loans. $362,337,000 of loans were in 1-4 family mortgage loans. $119,037,000 of loans were in farm loans. $0 of loans were in credit card loans. $12,253,000 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 824 $175,211 $212,635
    Nonfarm, nonresidential loans - <$100k 249 $10,972 $44,064
    Nonfarm, nonresidential loans - $100-250k 254 $32,263 $127,020
    Nonfarm, nonresidential loans - $250k-1MM 321 $131,976 $411,140
    Commercial & Industrial, US addressed loans - <$1MM 2,168 $143,754 $66,307
    Commercial & Industrial, US addressed loans - <$100k 1,715 $51,368 $29,952
    Commercial & Industrial, US addressed loans - $100-250k 258 $28,591 $110,818
    Commercial & Industrial, US addressed loans - $250k-1MM 195 $63,795 $327,154
    Farmland loans - <$1MM 589 $81,961 $139,153
    Farmland loans - <$100k 198 $8,327 $42,056
    Farmland loans - $100-250k 238 $29,298 $123,101
    Farmland loans - $250k-1MM 153 $44,336 $289,778
    Agriculture operations loans - <$1MM 800 $56,213 $70,266
    Agriculture operations loans - <$100k 557 $15,505 $27,837
    Agriculture operations loans - $100-250k 152 $18,283 $120,283
    Agriculture operations loans - $250k-1MM 91 $22,425 $246,429