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™
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    • 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, 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, Charleston, Decatur, and Chicago among others. We have data for 40 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

    1,800

    Origination Dollar Volume (All Markets)

    $313,550,000

    Employee count

    661 Show all (19) 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) 612 $124,980,000 $204,216 $1,831 3.06%
    Outside of Metro Areas 328 $37,730,000 $115,030 $1,680 3.13%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 135 $25,645,000 $189,963 $1,468 3.07%
    Charleston-Mattoon, IL (FHA|USDA|VA) 180 $24,210,000 $134,500 $1,762 3.15%
    DECATUR, IL (FHA|USDA|VA) 58 $17,410,000 $300,172 $1,825 3.22%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $15,600,000 $2,600,000 $1,632 3.19%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 118 $13,030,000 $110,424 $1,428 3.19%
    PEORIA, IL (FHA|USDA|VA) 76 $11,880,000 $156,316 $1,812 3.06%
    Galesburg, IL (FHA|USDA|VA) 77 $7,275,000 $94,481 $2,087 3.20%
    Effingham, IL (FHA|USDA|VA) 30 $4,820,000 $160,667 $1,744 3.10%
    Quincy, IL-MO (FHA|USDA|VA) 40 $4,590,000 $114,750 $1,693 3.21%
    Mount Vernon, IL (FHA|USDA|VA) 39 $4,565,000 $117,051 $1,333 3.12%
    TERRE HAUTE, IN (FHA|USDA|VA) 28 $4,320,000 $154,286 $2,055 3.33%
    BLOOMINGTON, IL (FHA|USDA|VA) 14 $2,460,000 $175,714 $1,798 3.04%
    Hannibal, MO (FHA|USDA|VA) 4 $1,970,000 $492,500 $3,719 2.59%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 9 $1,955,000 $217,222 $1,975 3.01%
    DANVILLE, IL (FHA|USDA|VA) 7 $1,605,000 $229,286 $1,592 3.50%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,495,000 $498,333 $2,202 3.08%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $965,000 $321,667 $1,875 3.54%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $735,000 $735,000 $0 4.50%
    TUCSON, AZ (FHA|USDA|VA) 1 $725,000 $725,000 $5,062 3.75%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $605,000 $605,000 $4,410 3.50%
    Key West, FL (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.65%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 6 $530,000 $88,333 $2,415 2.98%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $490,000 $245,000 $1,619 3.06%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $475,000 $475,000 $1,480 2.75%
    Taylorville, IL (FHA|USDA|VA) 5 $445,000 $89,000 $1,358 2.78%
    ROCKFORD, IL (FHA|USDA|VA) 1 $435,000 $435,000 $0 4.35%
    KANKAKEE, IL (FHA|USDA|VA) 2 $380,000 $190,000 $1,376 3.19%
    SPRINGFIELD, IL (FHA|USDA|VA) 2 $280,000 $140,000 $2,049 2.63%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $215,000 $215,000 $2,018 2.75%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $195,000 $195,000 $1,835 2.63%
    Sikeston, MO (FHA|USDA|VA) 1 $185,000 $185,000 $2,124 2.75%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,273 2.75%
    Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,383 3.25%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,000 3.00%
    Centralia, IL (FHA|USDA|VA) 1 $95,000 $95,000 $1,489 3.88%
    Frankfort, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.88%
    Burlington, IA-IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,521 2.50%
    Macomb, IL (FHA|USDA|VA) 1 $55,000 $55,000 $1,968 3.25%
    First Mid Bank & Trust's top markets include St. Louis, Champaign, Charleston, Decatur, and Chicago among others.

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

    I. H. MISSISSIPPI VALLEY CREDIT UNION
    Similarity Rank: 102
    First Bankers Trust Company
    Similarity Rank: 115
    ILLINOIS STATE CREDIT UNION
    Similarity Rank: 129
    CRANE
    Similarity Rank: 130
    Rock Valley Credit Union
    Similarity Rank: 135
    FIRST NORTHERN Credit Union
    Similarity Rank: 180
    HNB National Bank
    Similarity Rank: 195
    UNIVERSITY OF ILLINOIS COMMUNITY
    Similarity Rank: 216
    United Bank of Union
    Similarity Rank: 245
    GREENSTATE CREDIT UNION
    Similarity Rank: 336

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,705 $304,885,000 $178,818 $1,678 3.13%
    USDA 89 $8,225,000 $92,416 $3,028 2.72%
    HELOC 6 $440,000 $73,333 n/a 4.78%

    For 2020, First Mid Bank & Trust's most frequently originated type of loan was Conventional, with 1,705 originations. Their 2nd most popular type was USDA, with 89 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 693 $102,835,000 $148,391 $2,079 3.15%
    Refi 629 $115,135,000 $183,045 $1,564 2.97%
    Cash Out Refi 430 $88,880,000 $206,698 $1,506 3.22%
    Home Improvement 27 $1,765,000 $65,370 $969 3.52%
    Other 21 $4,935,000 $235,000 $1,835 3.32%

    For 2020, First Mid Bank & Trust's most frequently cited loan purpose was Home Purchase, with 693 originations. The 2nd most popular reason was Refi, with 629 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 935 $156,485,000 $167,364 $1,970 3.17%
    15 Year 541 $76,685,000 $141,747 $1,610 2.83%
    20 Year 119 $18,535,000 $155,756 $1,488 3.28%
    10 Year 109 $33,075,000 $303,440 $824 3.07%
    5 Year 54 $21,390,000 $396,111 $649 4.20%
    Other 33 $6,765,000 $205,000 $1,505 3.47%
    3 Year 7 $515,000 $73,571 $0 4.79%
    1 Year 2 $100,000 $50,000 $0 4.33%

    For 2020, First Mid Bank & Trust's most frequently cited loan duration was 30 Year, with 935 originations. The 2nd most popular length was 15 Year, with 541 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,600 $248,360,000 $155,225
    $1k-2k 62 $6,940,000 $111,935
    $2k-3k 17 $3,015,000 $177,353
    $3k-4k 6 $1,320,000 $220,000
    $5k+ 3 $665,000 $221,667
    $4k-5k 2 $490,000 $245,000

    First Mid Bank & Trust's average total fees were $1,970, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,600 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 812 $146,640,000 $180,591
    2.5-3% 680 $103,430,000 $152,103
    <2.5% 240 $34,400,000 $143,333
    4-5% 63 $28,025,000 $444,841
    5-6% 5 $1,055,000 $211,000

    During 2020, First Mid Bank & Trust's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 812 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 743 $105,405,000 $141,864 $1,754 3.05%
    $100,000 or less 645 $42,125,000 $65,310 $1,620 3.18%
    $200k-400k 337 $88,425,000 $262,389 $1,879 3.03%
    $400k-600k 43 $19,755,000 $459,419 $1,968 3.28%
    $1MM+ 16 $45,530,000 $2,845,625 $4,221 3.67%
    $600k-1MM 16 $12,310,000 $769,375 $2,614 3.84%

    2020 saw First Mid Bank & Trust place emphasis on $100k-200k loans with 743 originations, totaling $105,405,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 397 $31,395,000 $79,081 $1,802 3.12%
    $50k-75k 374 $42,980,000 $114,920 $1,778 3.05%
    $100k-150k 358 $62,110,000 $173,492 $1,703 3.05%
    $75k-100k 304 $46,220,000 $152,039 $1,677 3.08%
    $150k-250k 171 $37,945,000 $221,901 $1,729 2.97%
    $250k+ 86 $37,530,000 $436,395 $2,035 3.22%

    First Mid Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 397 originations. The second most popular income band? $50k-75k, with 374 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 549 $86,485,000 $157,532 $1,702 3.03%
    <20% 353 $51,965,000 $147,210 $1,672 2.99%
    30-36% 338 $48,830,000 $144,467 $1,796 3.06%
    36% 54 $7,040,000 $130,370 $1,613 3.26%
    39% 52 $7,520,000 $144,615 $1,712 3.18%
    37% 47 $8,025,000 $170,745 $1,762 3.12%
    43% 41 $7,965,000 $194,268 $1,953 3.07%
    41% 41 $6,255,000 $152,561 $1,977 3.08%
    38% 40 $5,580,000 $139,500 $1,749 3.15%
    40% 37 $5,475,000 $147,973 $1,971 3.20%
    44% 32 $5,750,000 $179,688 $2,105 3.04%
    42% 29 $3,515,000 $121,207 $1,782 3.18%
    45% 29 $4,915,000 $169,483 $1,893 3.09%
    47% 19 $3,065,000 $161,316 $1,914 2.98%
    46% 17 $2,555,000 $150,294 $1,710 3.12%
    48% 13 $2,385,000 $183,462 $1,712 3.09%
    50-60% 12 $3,630,000 $302,500 $1,886 3.19%
    49% 10 $1,630,000 $163,000 $1,922 2.90%
    >60% 5 $565,000 $113,000 $1,108 3.35%

    First Mid Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 549 originations. The next most common DTI ratio? <20%, with 353 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,650 $251,320,000 $152,315 $1,748 3.08%
    Not applicable 53 $46,865,000 $884,245 $0 4.20%
    Asian 22 $5,790,000 $263,182 $1,857 3.17%
    Not provided 45 $5,605,000 $124,556 $1,664 3.13%
    Black 20 $2,940,000 $147,000 $1,966 3.03%
    American Indian 6 $720,000 $120,000 $1,570 3.04%
    Asian Indian 2 $160,000 $80,000 $1,809 2.69%
    Other Asian 1 $95,000 $95,000 $1,663 2.63%
    Native Hawaiian or Islander 1 $55,000 $55,000 $1,707 2.63%

    Approval Rates

    Total approvals of all applications
    84.37%

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

    Pick Rate

    Approvals leading to origination
    84.94%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,800 $313,550,000 $174,194

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 32 $42,640,000 $1,332,500
    Single Family (1-4 Units):Manufactured 24 $1,970,000 $82,083
    Single Family (1-4 Units):Site-Built 1,744 $268,940,000 $154,209

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 105 $9,055,000 $86,238 $1,153 3.21%
    40-60% 286 $56,130,000 $196,259 $1,504 3.04%
    60-80% 771 $146,185,000 $189,604 $1,678 3.10%
    80-100% 611 $96,005,000 $157,128 $2,034 3.11%
    Over 100% 6 $4,840,000 $806,667 $3,416 3.27%
    Under 20% 20 $1,300,000 $65,000 $883 3.74%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    FIRST HORIZON BANK Conventional home mortgage Closing on a mortgage 1 6.7%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Closing on a mortgage 2 13.3%
    FIRST HORIZON BANK Other type of mortgage Struggling to pay mortgage 1 6.7%
    FIRST HORIZON BANK Other type of mortgage Trouble during payment process 2 13.3%
    FIRST HORIZON BANK Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 3 20.0%
    FIRST HORIZON BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 6.7%
    FIRST HORIZON BANK Conventional home mortgage Trouble during payment process 4 26.7%

    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 $72,891
    First Mid Bank & Trust, National Association 1090 South Route 51 Forsyth, IL 62535 Full Service B&M $15,037
    First Mid Bank & Trust, National Association 1101 W. Garfield Avenue Peoria, IL 61607 Full Service B&M $28,835
    First Mid Bank & Trust, National Association 400 Market Street Mount Carmel, IL 62863 Full Service B&M $53,142
    First Mid Bank & Trust, National Association 3037 N. Sterling Peoria, IL 61604 Full Service B&M $30,373
    First Mid Bank & Trust, National Association 3233 Broadway Quincy, IL 62301 Full Service B&M $24,657
    First Mid Bank & Trust, National Association 331 E Main St Knoxville, IL 61448 Full Service B&M $20,145
    First Mid Bank & Trust, National Association 333 East Broadway Avenue Mattoon, IL 61938 Full Service B&M $48,471
    First Mid Bank & Trust, National Association 400 S 34th Street Mount Vernon, IL 62864 Full Service B&M $47,827
    First Mid Bank & Trust, National Association 410 South Main Street Tuscola, IL 61953 Full Service B&M $45,827
    First Mid Bank & Trust, National Association 701 Sixth Street Charleston, IL 61920 Limited, Drive-thru $14,324
    First Mid Bank & Trust, National Association 719 Rollie Moore Drive Harrisburg, IL 62946 Full Service B&M $8,099
    First Mid Bank & Trust, National Association 902 North Keller Drive Effingham, IL 62401 Full Service B&M $23,558
    First Mid Bank & Trust, National Association 909 12th St Lawrenceville, IL 62439 Full Service B&M $22,707
    First Mid Bank & Trust, National Association 1 Jefferson Street Mansfield, IL 61854 Full Service B&M $45,672
    First Mid Bank & Trust, National Association 10 East Cumberland Street Martinsville, IL 62442 Full Service B&M $16,617
    First Mid Bank & Trust, National Association 100 South Water Street Decatur, IL 62526 Full Service B&M $82,281
    First Mid Bank & Trust, National Association 101 East Main Street Galesburg, IL 61401 Full Service B&M $63,122
    First Mid Bank & Trust, National Association 101 South Central Avenue Paris, IL 61944 Full Service B&M $78,634
    First Mid Bank & Trust, National Association 101 West Washington Street Altamont, IL 62411 Full Service B&M $40,504
    First Mid Bank & Trust, National Association 102 East Sixth Street Neoga, IL 62447 Full Service B&M $31,977
    First Mid Bank & Trust, National Association 102 North Chestnut Street De Soto, IL 62924 Full Service B&M $21,640
    First Mid Bank & Trust, National Association 1021 West Bird Boulevard Peoria, IL 61614 Full Service B&M $22,224
    First Mid Bank & Trust, National Association 1046 Madison Avenue Wood River, IL 62095 Full Service B&M $55,182
    First Mid Bank & Trust, National Association 111 East 4th Street Alton, IL 62002 Full Service B&M $2,544
    First Mid Bank & Trust, National Association 114 West Church Street Champaign, IL 61824 Full Service B&M $23,913
    First Mid Bank & Trust, National Association 116 West Main Street Carmi, IL 62821 Full Service B&M $57,269
    First Mid Bank & Trust, National Association 125 Moomey Drive Suite 4 Bourbonnais, IL 60914 Full Service B&M $1,945
    First Mid Bank & Trust, National Association 1251 Woodfield Drive Savoy, IL 61874 Full Service B&M $51,641
    First Mid Bank & Trust, National Association 12616 State Route 143 Highland, IL 62249 Full Service B&M $74,153
    First Mid Bank & Trust, National Association 1301 Broadway Highland, IL 62249 Full Service B&M $9,165
    First Mid Bank & Trust, National Association 1500 East Grove Street Rantoul, IL 61866 Full Service B&M $24,930
    First Mid Bank & Trust, National Association 1501 East Eldorado Street Decatur, IL 62525 Full Service B&M $110,273
    First Mid Bank & Trust, National Association 1515 Charleston Avenue Mattoon, IL 61938 Full Service B&M $697,240
    First Mid Bank & Trust, National Association 1515 N Henderson Street Galesburg, IL 61401 Full Service B&M $51,035
    First Mid Bank & Trust, National Association 1685 South Franklin Street Decatur, IL 62525 Full Service B&M $17,543
    First Mid Bank & Trust, National Association 1709 Walnut Street Murphysboro, IL 62966 Full Service B&M $30,373
    First Mid Bank & Trust, National Association 200 North Main Street Taylorville, IL 62568 Full Service B&M $11,975
    First Mid Bank & Trust, National Association 200 South Hamilton Street Sullivan, IL 61951 Full Service B&M $87,875
    First Mid Bank & Trust, National Association 2143 S Hwy 157 Edwardsville, IL 62025 Full Service B&M $48,671
    First Mid Bank & Trust, National Association 219 West Center Street Monticello, IL 61856 Limited, Drive-thru $63,585
    First Mid Bank & Trust, National Association 225 S. Meramec Ave, Suite 302 Clayton, MO 63105 Full Service Retail $5,728
    First Mid Bank & Trust, National Association 230 Sw Adams Street Peoria, IL 61602 Full Service B&M $21,483
    First Mid Bank & Trust, National Association 2306 E. Washington Bloomington, IL 61704 Full Service B&M $18,947
    First Mid Bank & Trust, National Association 2306 Williamson County Parkway Marion, IL 62959 Full Service B&M $20,701
    First Mid Bank & Trust, National Association 249 W Springfield Road Arcola, IL 61910 Full Service B&M $31,161
    First Mid Bank & Trust, National Association 2911 Crossing Court Champaign, IL 61822 Full Service B&M $13,451
    First Mid Bank & Trust, National Association 300 South Division Carterville, IL 62918 Full Service B&M $25,945
    First Mid Bank & Trust, National Association 300 St Louis Street Edwardsville, IL 62025 Full Service B&M $87,608
    First Mid Bank & Trust, National Association 4101 North Illinois Street Swansea, IL 62226 Full Service B&M $5,295
    First Mid Bank & Trust, National Association 4530 North University Peoria, IL 61612 Full Service B&M $23,507
    First Mid Bank & Trust, National Association 455 North Main Street Decatur, IL 62522 Full Service B&M $62,655
    First Mid Bank & Trust, National Association 4825 U.S. Route 36 East Decatur, IL 62521 Full Service B&M $25,062
    First Mid Bank & Trust, National Association 490 Maple St Weldon, IL 61882 Full Service B&M $14,140
    First Mid Bank & Trust, National Association 500 West Lincoln Charleston, IL 61920 Full Service B&M $128,920
    First Mid Bank & Trust, National Association 502 East Oak Street Mahomet, IL 61853 Full Service B&M $40,512
    First Mid Bank & Trust, National Association 509 South University Avenue Carbondale, IL 62901 Full Service B&M $85,338
    First Mid Bank & Trust, National Association 560 East Pershing Road Decatur, IL 62525 Full Service B&M $20,050
    First Mid Bank & Trust, National Association 601 South Vine Urbana, IL 61801 Limited, Drive-thru $40,752
    First Mid Bank & Trust, National Association 610 North Michigan Avenue Marshall, IL 62441 Full Service B&M $88,572
    First Mid Bank & Trust, National Association 636 Hampshire Street Quincy, IL 62301 Full Service B&M $25,664
    First Mid Bank & Trust, National Association 6814 Goshen Road Edwardsville, IL 62025 Full Service B&M $350,431
    First Mid Bank & Trust, National Association 913 West Marketview Champaign, IL 61822 Full Service B&M $4,528
    First Mid Bank & Trust, National Association 915 West Main Street Carbondale, IL 62901 Full Service Retail $9,482

    For 2020, First Mid Bank & Trust had 64 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $144,634
    Net interest income $129,534
    Total noninterest income $24,853
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,043
    Trading account gains and fees $0
    Additional Noninterest Income $18,810
    Pre-tax net operating income $52,563
    Securities gains (or losses, -) $1,239
    Income before extraordinary items $40,754
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,754
    Minority interest net income $0
    Net income $40,754
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $39,775

    First Mid Bank & Trust's gross interest income from loans was $144,634,000.
    First Mid Bank & Trust's net interest income from loans was $129,534,000.
    First Mid Bank & Trust's fee based income from loans was $6,043,000.
    First Mid Bank & Trust's net income from loans was $40,754,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,100
    Provision for credit losses $16,103
    Total noninterest expense $85,721
    Salaries and employee benefits $44,564
    Premises and equipment expense $14,981
    Additional noninterest expense $26,176
    Applicable income taxes $13,048
    Net charge-offs $2,776
    Cash dividends $21,563

    First Mid Bank & Trust's interest expense for loans was $15,100,000.
    First Mid Bank & Trust's payroll and benefits expense were $44,564,000.
    First Mid Bank & Trust's property, plant and equipment expenses $14,981,000.

    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 1.0%
    1-4 family residential loans 2.0%
    HELOC loans 0.0%
    All other family 2.0%
    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 $3,829,731
    Deposits held in domestic offices $3,829,731
    Deposits by Individuals, partnerships, and corporations $3,542,336
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $286,381
    Deposits by Commercial banks and other depository institutions in U.S. $1,014
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $841,129
    Demand deposits $570,535
    Nontransaction accounts $2,988,602
    Money market deposit accounts (MMDAs) $2,061,391
    Other savings deposits (excluding MMDAs) $450,142
    Total time deposits $477,069
    Total time and savings deposits $3,259,196
    Noninterest-bearing deposits $1,073,803
    Interest-bearing deposits $2,755,928
    Retail deposits $3,470,532
    IRAs and Keogh plan accounts $68,699
    Brokered deposits $260,900
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,700,049
    Cash & Balances due from depository institutions $415,640
    Interest-bearing balances $342,536
    Total securities $883,982
    Federal funds sold & reverse repurchase $1,308
    Net loans and leases $3,096,509
    Loan and leases loss allowance $41,910
    Trading account assets $0
    Bank premises and fixed assets $69,301
    Other real estate owned $2,489
    Goodwill and other intangibles $115,974
    All other assets $114,846

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,700,049
    Total Liabilities $4,170,401
    Total deposits $3,829,731
    Interest-bearing deposits $2,755,928
    Deposits held in domestic offices $3,829,731
    % insured (estimated) $74
    Federal funds purchased and repurchase agreements $206,937
    Trading liabilities $0
    Other borrowed funds $93,969
    Subordinated debt $0
    All other liabilities $39,764

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,096,509
    Loan and leases loss allowance $41,910
    Total loans and leases (domestic) $3,138,419
    All real estate loans $2,066,514
    Real estate loans in domestic offices $2,066,514
    Construction and development loans $122,479
    Residential 1-4 family construction $7,704
    Other construction, all land development and other land $114,775
    Loans secured by nonfarm nonresidential properties $1,174,300
    Nonfarm nonresidential secured by owner-occupied properties $450,236
    Commercial real estate & other non-farm, non-residential $724,064
    Multifamily residential real estate $189,632
    1-4 family residential loans $325,762
    Farmland loans $254,341
    Loans held in foreign offices $0
    Farm loans $137,352
    Commercial and industrial loans $738,313
    To non-U.S. addressees $0
    Loans to individuals $78,002
    Credit card loans $0
    Related Plans $730
    Consumer Auto Loans $47,652
    Other loans to individuals $29,620
    All other loans & leases $118,238
    Loans to foreign governments and official institutions $0
    Other loans $26,336
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $11,031
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,373
    Non 1-4 family restructured loans & leases $3,105
    Total loans and leases (foreign) $0

    First Mid Bank & Trust had $3,096,509,000 of loans outstanding in 2020. $2,066,514,000 of loans were in real estate loans. $122,479,000 of loans were in development loans. $189,632,000 of loans were in multifamily mortgage loans. $325,762,000 of loans were in 1-4 family mortgage loans. $137,352,000 of loans were in farm loans. $0 of loans were in credit card loans. $47,652,000 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 786 $182,816 $232,590
    Nonfarm, nonresidential loans - <$100k 202 $8,650 $42,822
    Nonfarm, nonresidential loans - $100-250k 234 $29,265 $125,064
    Nonfarm, nonresidential loans - $250k-1MM 350 $144,901 $414,003
    Commercial & Industrial, US addressed loans - <$1MM 3,345 $222,832 $66,616
    Commercial & Industrial, US addressed loans - <$100k 2,620 $70,183 $26,787
    Commercial & Industrial, US addressed loans - $100-250k 436 $52,134 $119,573
    Commercial & Industrial, US addressed loans - $250k-1MM 289 $100,515 $347,803
    Farmland loans - <$1MM 536 $74,155 $138,349
    Farmland loans - <$100k 157 $6,195 $39,459
    Farmland loans - $100-250k 224 $26,942 $120,277
    Farmland loans - $250k-1MM 155 $41,018 $264,632
    Agriculture operations loans - <$1MM 696 $50,683 $72,820
    Agriculture operations loans - <$100k 465 $12,834 $27,600
    Agriculture operations loans - $100-250k 151 $17,683 $117,106
    Agriculture operations loans - $250k-1MM 80 $20,166 $252,075