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 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, Decatur, Charleston, and Carbondale among others. We have data for 30 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% 4/21/24
    30 Year Conventional Purchase 6.82% 4/21/24
    30 Year Conventional Refi 6.56% 4/21/24
    30 Year Cash-out Refi 6.74% 4/21/24
    30 Year USDA Purchase 6.41% 4/21/24
    30 Year USDA Refi 6.13% 4/21/24
    15 Year Conventional Purchase 6.29% 4/21/24
    15 Year Conventional Refi 6.19% 4/21/24
    15 Year Cash-out Refi 6.19% 4/21/24
    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

    1,019

    Origination Dollar Volume (All Markets)

    $173,705,000

    Employee count

    670 Show all (16) 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) 278 $52,720,000 $189,640 $1,870 3.96%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 97 $25,315,000 $260,979 $1,666 4.11%
    Outside of Metro Areas 221 $22,115,000 $100,068 $1,672 4.19%
    DECATUR, IL (FHA|USDA|VA) 34 $20,790,000 $611,471 $1,888 4.10%
    Charleston-Mattoon, IL (FHA|USDA|VA) 110 $12,550,000 $114,091 $1,976 4.08%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 49 $6,135,000 $125,204 $1,702 4.11%
    PEORIA, IL (FHA|USDA|VA) 44 $5,520,000 $125,455 $1,815 4.12%
    Quincy, IL-MO (FHA|USDA|VA) 36 $4,010,000 $111,389 $1,695 4.13%
    Galesburg, IL (FHA|USDA|VA) 44 $3,910,000 $88,864 $2,036 4.21%
    Effingham, IL (FHA|USDA|VA) 19 $3,535,000 $186,053 $1,870 3.72%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $3,310,000 $551,667 $0 4.88%
    TERRE HAUTE, IN (FHA|USDA|VA) 18 $2,540,000 $141,111 $1,705 4.17%
    Mount Vernon, IL (FHA|USDA|VA) 22 $1,770,000 $80,455 $1,599 4.31%
    Baraboo, WI (FHA|USDA|VA) 4 $1,210,000 $302,500 $0 4.13%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,175,000 $391,667 $4,973 3.67%
    BLOOMINGTON, IL (FHA|USDA|VA) 8 $1,130,000 $141,250 $2,080 4.19%
    Edwards, CO (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,327 3.38%
    SPRINGFIELD, IL (FHA|USDA|VA) 5 $915,000 $183,000 $1,820 4.23%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $780,000 $390,000 $2,644 3.94%
    DANVILLE, IL (FHA|USDA|VA) 5 $675,000 $135,000 $1,575 3.88%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $510,000 $255,000 $2,081 3.75%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $485,000 $485,000 $3,262 3.00%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 3 $335,000 $111,667 $2,047 3.58%
    Lincoln, IL (FHA|USDA|VA) 1 $305,000 $305,000 $2,224 4.00%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.00%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $205,000 $205,000 $1,797 4.25%
    Hannibal, MO (FHA|USDA|VA) 1 $175,000 $175,000 $1,865 3.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.75%
    ROCKFORD, IL (FHA|USDA|VA) 1 $75,000 $75,000 $4,042 5.00%
    Jacksonville, IL (FHA|USDA|VA) 1 $35,000 $35,000 $1,955 3.88%
    First Mid Bank & Trust's top markets include St. Louis, Champaign, Decatur, Charleston, and Carbondale among others.

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

    Rock Valley Credit Union
    Similarity Rank: 14
    First Community Credit Union
    Similarity Rank: 40
    First Bankers Trust Company
    Similarity Rank: 78
    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 96
    Merchants Bank
    Similarity Rank: 150
    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 150
    FIRST NORTHERN Credit Union
    Similarity Rank: 200
    WEST COMMUNITY
    Similarity Rank: 235
    The First National Bank and Trust Company
    Similarity Rank: 252
    Hawthorn Bank
    Similarity Rank: 255

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 970 $168,650,000 $173,866 $1,754 4.10%
    USDA 47 $4,255,000 $90,532 $2,962 3.74%
    HELOC 2 $800,000 $400,000 n/a 5.13%

    For 2019, First Mid Bank & Trust's most frequently originated type of loan was Conventional, with 970 originations. Their 2nd most popular type was USDA, with 47 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 589 $100,305,000 $170,297 $2,001 4.11%
    Cash Out Refi 219 $37,105,000 $169,429 $1,606 4.15%
    Refi 166 $31,690,000 $190,904 $1,575 3.83%
    Home Improvement 27 $2,935,000 $108,704 $1,130 4.48%
    Other 18 $1,670,000 $92,778 $1,543 4.47%

    For 2019, First Mid Bank & Trust's most frequently cited loan purpose was Home Purchase, with 589 originations. The 2nd most popular reason was Cash Out Refi, with 219 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 596 $88,180,000 $147,953 $1,957 4.06%
    15 Year 245 $29,335,000 $119,735 $1,724 3.80%
    20 Year 60 $7,330,000 $122,167 $1,403 4.12%
    10 Year 55 $20,505,000 $372,818 $967 4.75%
    5 Year 36 $18,470,000 $513,056 $892 4.97%
    Other 24 $9,290,000 $387,083 $1,651 4.66%
    3 Year 3 $595,000 $198,333 $0 5.58%

    For 2019, First Mid Bank & Trust's most frequently cited loan duration was 30 Year, with 596 originations. The 2nd most popular length was 15 Year, with 245 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 871 $118,475,000 $136,022
    $1k-2k 40 $4,650,000 $116,250
    $2k-3k 7 $1,125,000 $160,714
    $3k-4k 2 $460,000 $230,000
    $4k-5k 1 $185,000 $185,000

    First Mid Bank & Trust's average total fees were $1,957, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 871 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 527 $79,505,000 $150,863
    4-5% 383 $78,805,000 $205,757
    5-6% 60 $8,160,000 $136,000
    2.5-3% 36 $6,780,000 $188,333
    6-7% 12 $430,000 $35,833
    7-8% 1 $25,000 $25,000

    During 2019, First Mid Bank & Trust's average interest rate for loans was 4.06%, while their most frequently originated rate bucket for loans was 3-4%, with 527 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 460 $28,250,000 $61,413 $1,678 4.28%
    $100k-200k 345 $49,305,000 $142,913 $1,911 3.96%
    $200k-400k 176 $45,820,000 $260,341 $1,932 3.82%
    $400k-600k 19 $8,605,000 $452,895 $1,920 4.01%
    $1MM+ 11 $35,705,000 $3,245,909 $3,327 4.47%
    $600k-1MM 8 $6,020,000 $752,500 $2,808 4.17%

    2019 saw First Mid Bank & Trust place emphasis on $100,000 or less loans with 460 originations, totaling $28,250,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 249 $25,905,000 $104,036 $1,798 4.15%
    $50k or less 247 $16,755,000 $67,834 $1,799 4.11%
    $100k-150k 172 $32,200,000 $187,209 $1,891 3.88%
    $75k-100k 156 $19,910,000 $127,628 $1,732 4.01%
    $150k-250k 106 $24,130,000 $227,642 $1,890 3.91%
    $250k+ 33 $11,455,000 $347,121 $1,951 4.14%

    First Mid Bank & Trust lent most frequently to those with incomes in the $50k-75k range, with 249 originations. The second most popular income band? $50k or less, with 247 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 320 $42,400,000 $132,500 $1,802 3.99%
    30-36% 164 $21,120,000 $128,780 $1,807 4.05%
    <20% 147 $17,905,000 $121,803 $1,729 3.89%
    37% 38 $5,050,000 $132,895 $1,779 4.31%
    36% 30 $4,130,000 $137,667 $1,863 4.02%
    41% 30 $4,120,000 $137,333 $1,860 3.86%
    43% 25 $3,485,000 $139,400 $1,839 4.18%
    38% 24 $3,500,000 $145,833 $1,720 3.91%
    40% 24 $3,390,000 $141,250 $1,992 3.87%
    42% 20 $3,120,000 $156,000 $1,969 4.24%
    39% 20 $2,630,000 $131,500 $1,702 4.24%
    47% 17 $2,425,000 $142,647 $1,926 4.26%
    46% 16 $1,790,000 $111,875 $1,961 4.34%
    44% 16 $2,190,000 $136,875 $1,985 3.83%
    45% 15 $3,135,000 $209,000 $2,210 3.94%
    50-60% 13 $1,955,000 $150,385 $1,588 4.25%
    49% 11 $1,425,000 $129,545 $2,166 4.15%
    48% 9 $1,375,000 $152,778 $1,893 3.81%
    >60% 4 $550,000 $137,500 $1,261 4.44%

    First Mid Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 320 originations. The next most common DTI ratio? 30-36%, with 164 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 940 $129,120,000 $137,362 $1,811 4.06%
    Not applicable 41 $40,185,000 $980,122 $0 4.88%
    Asian 11 $1,445,000 $131,364 $1,726 4.14%
    Not provided 13 $1,445,000 $111,154 $1,997 3.84%
    Black 11 $1,185,000 $107,727 $2,012 4.08%
    American Indian 2 $170,000 $85,000 $2,312 4.06%
    Native Hawaiian or Islander 1 $155,000 $155,000 $2,075 3.13%

    Approval Rates

    Total approvals of all applications
    85.69%

    First Mid Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.56%

    First Mid Bank & Trust has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,019 $173,705,000 $170,466

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $1,405,000 $1,405,000
    Multifamily:Site-Built 33 $41,305,000 $1,251,667
    Single Family (1-4 Units):Manufactured 14 $880,000 $62,857
    Single Family (1-4 Units):Site-Built 971 $130,115,000 $134,001

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 69 $10,595,000 $153,551 $1,265 4.16%
    40-60% 107 $12,305,000 $115,000 $1,646 4.03%
    60-80% 401 $88,285,000 $220,162 $1,805 4.04%
    80-100% 417 $59,575,000 $142,866 $1,986 4.08%
    Over 100% 3 $755,000 $251,667 $1,384 4.08%
    Under 20% 20 $2,150,000 $107,500 $1,032 5.13%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 3 20.0%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK FHA mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK FHA mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%
    FIRST HORIZON BANK Conventional home mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK VA mortgage Closing on a mortgage 1 6.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Mid Bank & Trust, National Association 2 E Locust St Harrisburg, IL 62946 Full Service B&M $68,057
    First Mid Bank & Trust, National Association 1 Jefferson Street Mansfield, IL 61854 Full Service B&M $43,548
    First Mid Bank & Trust, National Association 10 East Cumberland Street Martinsville, IL 62442 Full Service B&M $15,632
    First Mid Bank & Trust, National Association 100 South Water Street Decatur, IL 62526 Full Service B&M $60,355
    First Mid Bank & Trust, National Association 101 East Main Street Galesburg, IL 61401 Full Service B&M $52,066
    First Mid Bank & Trust, National Association 101 South Central Avenue Paris, IL 61944 Full Service B&M $87,147
    First Mid Bank & Trust, National Association 101 West Washington Street Altamont, IL 62411 Full Service B&M $36,578
    First Mid Bank & Trust, National Association 102 East Sixth Street Neoga, IL 62447 Full Service B&M $27,189
    First Mid Bank & Trust, National Association 102 North Chestnut Street De Soto, IL 62924 Full Service B&M $19,951
    First Mid Bank & Trust, National Association 1021 West Bird Boulevard Peoria, IL 61614 Full Service B&M $19,199
    First Mid Bank & Trust, National Association 1046 Madison Avenue Wood River, IL 62095 Full Service B&M $48,336
    First Mid Bank & Trust, National Association 1090 South Route 51 Forsyth, IL 62535 Full Service B&M $14,481
    First Mid Bank & Trust, National Association 1101 W. Garfield Avenue Peoria, IL 61607 Full Service B&M $23,862
    First Mid Bank & Trust, National Association 114 West Church Street Champaign, IL 61824 Full Service B&M $26,630
    First Mid Bank & Trust, National Association 116 West Main Street Carmi, IL 62821 Full Service B&M $53,747
    First Mid Bank & Trust, National Association 125 Moomey Drive Suite 4 Bourbonnais, IL 60914 Full Service B&M $1,754
    First Mid Bank & Trust, National Association 1251 Woodfield Drive Savoy, IL 61874 Full Service B&M $51,659
    First Mid Bank & Trust, National Association 12616 State Route 143 Highland, IL 62249 Full Service B&M $57,496
    First Mid Bank & Trust, National Association 1301 Broadway Highland, IL 62249 Full Service B&M $7,106
    First Mid Bank & Trust, National Association 1500 East Grove Street Rantoul, IL 61866 Full Service B&M $27,184
    First Mid Bank & Trust, National Association 1501 East Eldorado Street Decatur, IL 62525 Full Service B&M $106,196
    First Mid Bank & Trust, National Association 1515 Charleston Avenue Mattoon, IL 61938 Full Service B&M $553,067
    First Mid Bank & Trust, National Association 1515 N Henderson Street Galesburg, IL 61401 Full Service B&M $42,096
    First Mid Bank & Trust, National Association 1685 South Franklin Street Decatur, IL 62525 Full Service B&M $16,895
    First Mid Bank & Trust, National Association 1709 Walnut Street Murphysboro, IL 62966 Full Service B&M $26,590
    First Mid Bank & Trust, National Association 200 North Main Street Taylorville, IL 62568 Full Service B&M $11,688
    First Mid Bank & Trust, National Association 200 South Hamilton Street Sullivan, IL 61951 Full Service B&M $87,271
    First Mid Bank & Trust, National Association 2143 S Hwy 157 Edwardsville, IL 62025 Full Service B&M $44,350
    First Mid Bank & Trust, National Association 219 West Center Street Monticello, IL 61856 Limited, Drive-thru $62,171
    First Mid Bank & Trust, National Association 225 S. Meramec Ave, Suite 302 Clayton, MO 63105 Full Service Retail $1,919
    First Mid Bank & Trust, National Association 230 Sw Adams Street Peoria, IL 61602 Full Service B&M $18,559
    First Mid Bank & Trust, National Association 2306 E. Washington Bloomington, IL 61704 Full Service B&M $15,197
    First Mid Bank & Trust, National Association 2306 Williamson County Parkway Marion, IL 62959 Full Service B&M $18,683
    First Mid Bank & Trust, National Association 249 W Springfield Road Arcola, IL 61910 Full Service B&M $26,282
    First Mid Bank & Trust, National Association 2911 Crossing Court Champaign, IL 61822 Full Service B&M $14,979
    First Mid Bank & Trust, National Association 300 South Division Carterville, IL 62918 Full Service B&M $24,246
    First Mid Bank & Trust, National Association 300 St Louis Street Edwardsville, IL 62025 Full Service B&M $79,830
    First Mid Bank & Trust, National Association 3037 N. Sterling Peoria, IL 61604 Full Service B&M $26,238
    First Mid Bank & Trust, National Association 3233 Broadway Quincy, IL 62301 Full Service B&M $24,714
    First Mid Bank & Trust, National Association 331 E Main St Knoxville, IL 61448 Full Service B&M $16,617
    First Mid Bank & Trust, National Association 333 East Broadway Avenue Mattoon, IL 61938 Full Service B&M $38,448
    First Mid Bank & Trust, National Association 400 Market Street Mount Carmel, IL 62863 Full Service B&M $52,253
    First Mid Bank & Trust, National Association 400 S 34th Street Mount Vernon, IL 62864 Full Service B&M $46,324
    First Mid Bank & Trust, National Association 410 South Main Street Tuscola, IL 61953 Full Service B&M $37,770
    First Mid Bank & Trust, National Association 4101 North Illinois Street Swansea, IL 62226 Full Service B&M $4,179
    First Mid Bank & Trust, National Association 4530 North University Peoria, IL 61612 Full Service B&M $18,117
    First Mid Bank & Trust, National Association 455 North Main Street Decatur, IL 62522 Full Service B&M $60,339
    First Mid Bank & Trust, National Association 4825 U.S. Route 36 East Decatur, IL 62521 Full Service B&M $24,135
    First Mid Bank & Trust, National Association 490 Maple St Weldon, IL 61882 Full Service B&M $12,428
    First Mid Bank & Trust, National Association 500 West Lincoln Charleston, IL 61920 Full Service B&M $119,564
    First Mid Bank & Trust, National Association 502 East Oak Street Mahomet, IL 61853 Full Service B&M $34,526
    First Mid Bank & Trust, National Association 509 South University Avenue Carbondale, IL 62901 Full Service B&M $75,328
    First Mid Bank & Trust, National Association 560 East Pershing Road Decatur, IL 62525 Full Service B&M $19,308
    First Mid Bank & Trust, National Association 601 South Vine Urbana, IL 61801 Limited, Drive-thru $38,126
    First Mid Bank & Trust, National Association 610 North Michigan Avenue Marshall, IL 62441 Full Service B&M $81,847
    First Mid Bank & Trust, National Association 636 Hampshire Street Quincy, IL 62301 Full Service B&M $25,723
    First Mid Bank & Trust, National Association 6814 Goshen Road Edwardsville, IL 62025 Full Service B&M $319,320
    First Mid Bank & Trust, National Association 701 Sixth Street Charleston, IL 61920 Limited, Drive-thru $13,285
    First Mid Bank & Trust, National Association 719 Rollie Moore Drive Harrisburg, IL 62946 Full Service B&M $7,562
    First Mid Bank & Trust, National Association 902 North Keller Drive Effingham, IL 62401 Full Service B&M $18,671
    First Mid Bank & Trust, National Association 909 12th St Lawrenceville, IL 62439 Full Service B&M $21,054
    First Mid Bank & Trust, National Association 913 West Marketview Champaign, IL 61822 Full Service B&M $4,236
    First Mid Bank & Trust, National Association 915 West Main Street Carbondale, IL 62901 Full Service Retail $8,370

    For 2019, First Mid Bank & Trust had 63 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $150,333
    Net interest income $127,762
    Total noninterest income $22,783
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $8,177
    Trading account gains and fees $0
    Additional Noninterest Income $14,606
    Pre-tax net operating income $58,878
    Securities gains (or losses, -) $802
    Income before extraordinary items $45,412
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $45,412
    Minority interest net income $0
    Net income $45,412
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $44,778

    First Mid Bank & Trust's gross interest income from loans was $150,333,000.
    First Mid Bank & Trust's net interest income from loans was $127,762,000.
    First Mid Bank & Trust's fee based income from loans was $8,177,000.
    First Mid Bank & Trust's net income from loans was $45,412,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $22,571
    Provision for credit losses $6,433
    Total noninterest expense $85,234
    Salaries and employee benefits $42,198
    Premises and equipment expense $15,063
    Additional noninterest expense $27,973
    Applicable income taxes $14,268
    Net charge-offs $5,711
    Cash dividends $34,687

    First Mid Bank & Trust's interest expense for loans was $22,571,000.
    First Mid Bank & Trust's payroll and benefits expense were $42,198,000.
    First Mid Bank & Trust's property, plant and equipment expenses $15,063,000.

    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 2.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $2,946,842
    Deposits held in domestic offices $2,946,842
    Deposits by Individuals, partnerships, and corporations $2,648,168
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $297,936
    Deposits by Commercial banks and other depository institutions in U.S. $738
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $559,518
    Demand deposits $269,685
    Nontransaction accounts $2,387,324
    Money market deposit accounts (MMDAs) $1,415,030
    Other savings deposits (excluding MMDAs) $387,793
    Total time deposits $584,500
    Total time and savings deposits $2,677,157
    Noninterest-bearing deposits $662,738
    Interest-bearing deposits $2,284,104
    Retail deposits $2,821,500
    IRAs and Keogh plan accounts $69,700
    Brokered deposits $18,007
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,808,206
    Cash & Balances due from depository institutions $86,702
    Interest-bearing balances $12,281
    Total securities $755,590
    Federal funds sold & reverse repurchase $926
    Net loans and leases $2,668,435
    Loan and leases loss allowance $26,911
    Trading account assets $0
    Bank premises and fixed assets $70,783
    Other real estate owned $3,644
    Goodwill and other intangibles $120,066
    All other assets $102,060

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,808,207
    Total Liabilities $3,305,766
    Total deposits $2,946,842
    Interest-bearing deposits $2,284,104
    Deposits held in domestic offices $2,946,842
    % insured (estimated) $81
    Federal funds purchased and repurchase agreements $213,109
    Trading liabilities $0
    Other borrowed funds $130,394
    Subordinated debt $0
    All other liabilities $15,421

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,668,435
    Loan and leases loss allowance $26,911
    Total loans and leases (domestic) $2,695,346
    All real estate loans $1,820,460
    Real estate loans in domestic offices $1,820,460
    Construction and development loans $94,142
    Residential 1-4 family construction $9,173
    Other construction, all land development and other land $84,969
    Loans secured by nonfarm nonresidential properties $995,702
    Nonfarm nonresidential secured by owner-occupied properties $379,638
    Commercial real estate & other non-farm, non-residential $616,064
    Multifamily residential real estate $153,948
    1-4 family residential loans $336,427
    Farmland loans $240,241
    Loans held in foreign offices $0
    Farm loans $136,124
    Commercial and industrial loans $528,973
    To non-U.S. addressees $0
    Loans to individuals $83,183
    Credit card loans $0
    Related Plans $737
    Consumer Auto Loans $46,718
    Other loans to individuals $35,728
    All other loans & leases $126,609
    Loans to foreign governments and official institutions $0
    Other loans $30,327
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,207
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,701
    Non 1-4 family restructured loans & leases $1,319
    Total loans and leases (foreign) $0

    First Mid Bank & Trust had $2,668,435,000 of loans outstanding in 2019. $1,820,460,000 of loans were in real estate loans. $94,142,000 of loans were in development loans. $153,948,000 of loans were in multifamily mortgage loans. $336,427,000 of loans were in 1-4 family mortgage loans. $136,124,000 of loans were in farm loans. $0 of loans were in credit card loans. $46,718,000 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 838 $175,767 $209,746
    Nonfarm, nonresidential loans - <$100k 240 $10,046 $41,858
    Nonfarm, nonresidential loans - $100-250k 253 $30,716 $121,407
    Nonfarm, nonresidential loans - $250k-1MM 345 $135,005 $391,319
    Commercial & Industrial, US addressed loans - <$1MM 2,139 $139,973 $65,439
    Commercial & Industrial, US addressed loans - <$100k 1,656 $49,417 $29,841
    Commercial & Industrial, US addressed loans - $100-250k 284 $32,207 $113,405
    Commercial & Industrial, US addressed loans - $250k-1MM 199 $58,349 $293,211
    Farmland loans - <$1MM 603 $83,866 $139,081
    Farmland loans - <$100k 182 $7,551 $41,489
    Farmland loans - $100-250k 257 $31,722 $123,432
    Farmland loans - $250k-1MM 164 $44,593 $271,909
    Agriculture operations loans - <$1MM 781 $56,539 $72,393
    Agriculture operations loans - <$100k 521 $14,600 $28,023
    Agriculture operations loans - $100-250k 176 $20,249 $115,051
    Agriculture operations loans - $250k-1MM 84 $21,690 $258,214