First Mid B&T NA (FDIC #3705): Bank Stress & Real-Estate Credit Exposure
First Mid B&T NA (FDIC Cert #3705): bank stress 62/100, elevated, STABLE over 7 days; parent FIRST MID BANCSHARES INC.
First Mid B&T NA (#3705) lends in 41 counties across 5 states; First Mid B&T NA (#3705) reaches 789 ZIP codes: Illinois 27 counties, 461 ZIPs; Missouri 7 counties, 136 ZIPs; Iowa 5 counties, 96 ZIPs; Texas 1 county, 76 ZIPs; Wisconsin 1 county, 20 ZIPs.
First Mid B&T NA (#3705) largest markets: Tarrant County, TX (76 branches, 76 ZIPs) (#3705), St. Louis County, MO (188 branches, 47 ZIPs) (#3705), Polk County, IA (126 branches, 42 ZIPs) (#3705), Madison County, IL (180 branches, 36 ZIPs) (#3705), Champaign County, IL (175 branches, 35 ZIPs) (#3705), Kane County, IL (34 branches, 34 ZIPs) (#3705).
First Mid B&T NA (#3705) reports $9.14 billion in total assets; First Mid B&T NA (#3705) equity $1.08 billion (11.8% of First Mid B&T NA (#3705) assets); First Mid B&T NA (#3705) domestic deposits $7.63 billion; First Mid B&T NA (#3705) net income $50.7 million; First Mid B&T NA (#3705) return on assets 1.10%; First Mid B&T NA (#3705) return on equity 9.42%; First Mid B&T NA (#3705) net interest income $153.8 million; First Mid B&T NA (#3705) call report June 30, 2026.
First Mid B&T NA (#3705) noncurrent real-estate loans 0.03% of its book; First Mid B&T NA (#3705) residential 0.07%; First Mid B&T NA (#3705) net charge-offs on real estate 0.55%; First Mid B&T NA (#3705) commercial charge-offs 0.16%; First Mid B&T NA (#3705) multifamily charge-offs 0.03%; First Mid B&T NA (#3705) residential charge-offs 0.39%.
First Mid B&T NA (#3705) net interest margin 3.65% against an eight-quarter First Mid B&T NA (#3705) average of 3.65% (First Mid B&T NA (#3705) compression 0.01 points); First Mid B&T NA (#3705) real-estate loans 3.4% of equity; First Mid B&T NA (#3705) commercial real estate 16.4% of equity; First Mid B&T NA (#3705) non-residential real estate 38.8% of equity; First Mid B&T NA (#3705) rate-exposure score 42/100, First Mid B&T NA (#3705) fixed-rate trap 42/100; First Mid B&T NA (#3705) risk type credit driven; First Mid B&T NA (#3705) rate regime rates elevated, First Mid B&T NA (#3705) snapshot October 19, 2026.
First Mid B&T NA (#3705) stress score moved from 60.1 on June 22, 2026 to 62 on October 19, 2026; First Mid B&T NA (#3705) ranged 60.1 to 62 over 116 snapshots.
First Mid B&T NA (#3705) alerts: 39 counties; top First Mid B&T NA (#3705) alert scores: Marion County, IL 48 (moderate); Effingham County, IL 47 (moderate); Peoria County, IL 41 (moderate); Mchenry County, IL 40 (moderate); Marshall County, IL 40 (moderate).