First Mid Bank & Trust, National Association: how it compares with its peers
Against 13 IL banks with half to twice its assets, First Mid Bank & Trust, National Association's strongest measure in Q2 2026 is net interest margin (3.65% vs. a 3.53% peer median). Its weakest relative measure is return on assets (1.10% vs. 1.52%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.52% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.65% | 3.53% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.55% | 49.29% | Bottom third Ahead of 15% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $9.9M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.69% | 86.03% | Context |
What it means for lending operations
Its efficiency ratio of 58.55% is above the 49.29% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Lake Forest Bank & Trust Company, National Association Lake Forest, IL · $9.25B
- Wintrust Bank, National Association Chicago, IL · $9.57B
- First American Bank Elk Grove Village, IL · $8.63B
- Byline Bank Chicago, IL · $9.91B
- Old Second National Bank Aurora, IL · $6.86B
- Hinsdale Bank & Trust Company, National Association Hinsdale, IL · $6.80B
Questions about First Mid Bank & Trust, National Association
How big is First Mid Bank & Trust, National Association?
First Mid Bank & Trust, National Association, established in 1865, is headquartered in Mattoon, IL. It reported $9.14B in total assets in its Q2 2026 FDIC call report and operates 87 offices.
What is First Mid Bank & Trust, National Association's return on assets?
1.10% annualized in Q2 2026, against a 1.52% median for 13 IL banks with half to twice its assets, ahead of 0% of them.
What is First Mid Bank & Trust, National Association's efficiency ratio?
58.55% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 49.29%, and lower is better.
Is First Mid Bank & Trust, National Association growing its loans?
Net loans grew 20.2% over the year to Q2 2026, while deposits grew 22.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.