First Mid Bank & Trust, National Association (FDIC certificate #3705) is based in Mattoon, Illinois. Its Q2 2026 call report shows $9.1B in total assets and $7.6B in deposits and 87 offices across 5 states.
First Mid Bank & Trust, National Association has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 159th. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (57/100, 10.70%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 68 |
| Q1 2025 | 70 |
| Q2 2025 | 71 |
| Q3 2025 | 71 |
| Q4 2025 | 69 |
| Q1 2026 | 71 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.74% |
| Q3 2024 | 10.76% |
| Q4 2024 | 10.82% |
| Q1 2025 | 11.00% |
| Q2 2025 | 10.85% |
| Q3 2025 | 10.94% |
| Q4 2025 | 10.88% |
| Q1 2026 | 10.75% |
| Q2 2026 | 10.70% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.36% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.53% |
| Q2 2026 | 0.58% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.08% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.13% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $9.1B | 10.70% | 0.58% | 1.10% | 89.7% |
| Q1 2026 | 71 | $8.2B | 10.75% | 0.53% | 1.20% | 89.0% |
| Q4 2025 | 69 | $7.9B | 10.88% | 0.52% | 1.15% | 91.9% |
| Q3 2025 | 71 | $7.8B | 10.94% | 0.36% | 1.13% | 90.5% |
| Q2 2025 | 71 | $7.6B | 10.85% | 0.35% | 1.14% | 91.1% |
| Q1 2025 | 70 | $7.5B | 11.00% | 0.44% | 1.08% | 91.0% |
| Q4 2024 | 68 | $7.5B | 10.82% | 0.51% | 0.97% | 91.8% |
| Q3 2024 | 69 | $7.5B | 10.76% | 0.31% | 0.98% | 90.6% |
| Q2 2024 | 69 | $7.5B | 10.74% | 0.32% | 0.98% | 89.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Forest Bank & Trust Company, National AssociationBank Lake Forest, IL | 71 out of 100, Strong | $9.3B | 9.9% | 0.34% | vs |
| Wintrust Bank, National AssociationBank Chicago, IL | 75 out of 100, Strong | $9.6B | 11.4% | 0.36% | vs |
| First American BankBank Elk Grove Village, IL | 63 out of 100, Moderate | $8.6B | 7.6% | 0.60% | vs |
| Byline BankBank Chicago, IL | 74 out of 100, Strong | $9.9B | 12.9% | 0.93% | vs |
| Old Second National BankBank Aurora, IL | 71 out of 100, Strong | $6.9B | 12.0% | 1.08% | vs |
| Hinsdale Bank & Trust Company, National AssociationBank Hinsdale, IL | 69 out of 100, Moderate | $6.8B | 9.2% | 0.16% | vs |
Deposit insurance
Is my money safe at First Mid Bank & Trust, National Association?
Yes. First Mid Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #3705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.66% (benchmark: 10%).
87 locations
Branches
First Mid Bank & Trust, National Association lists 85 offices in 69 cities across 5 states. Most locations:
- Peoria, IL (4)
- Decatur, IL (3)
- Beloit, WI (2)
- Burlington, IA (2)
- Columbia, MO (2)
- Edwardsville, IL (2)
- Fort Madison, IA (2)
- Harrisburg, IL (2)
- Jefferson City, MO (2)
- Keokuk, IA (2)
- Mattoon, IL (2)
- Rockford, IL (2)
HMDA 2025
Mortgage lending
In 2025, First Mid Bank & Trust, National Association reported 2,368 home-loan applications under HMDA (LEI 549300XOTES5TCS8T794): 1,610 originated ($408,250,000 total), 481 denied, and 265 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- First Mid Bank & Trust, National Association
- Former names
- First National Bank, Mattoon, Illinois; First Mid-Illinois Bank & Trust, National Association; The National Bank of Mattoon
- Type
- National bank
- FDIC certificate #
- 3705
- RSSD ID
- 762447
- Primary regulator
- OCC
- Holding company
- First Mid Bancshares Inc
- Established
- February 8, 1865
- Headquarters
- 1515 Charleston Ave, Mattoon, IL 61938
- Website
- www.firstmid.com
- Employees
- 1,122
Quick answers
First Mid Bank & Trust, National Association: common questions
Is First Mid Bank & Trust, National Association FDIC insured?
Yes. First Mid Bank & Trust, National Association is an FDIC-insured institution (FDIC certificate #3705). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Mid Bank & Trust, National Association's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Mid Bank & Trust, National Association ever failed?
There is no failure record for FDIC certificate #3705 in the FDIC failed bank list.
How many branches does First Mid Bank & Trust, National Association have?
87 offices as of the latest FDIC data, in 5 states.
Nearby
Highest-scoring banks and credit unions with branches near Mattoon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Teutopolis State BankBank Teutopolis, IL | 97 out of 100, Very strong | $358.5M | 14.7% | 0.00% | vs |
| Blaw-Knox Credit UnionCredit union Mattoon, IL | 92 out of 100, Very strong | $13.4M | 19.9% | 0.23% | vs |
| Area Educational Credit UnionCredit union Mattoon, IL | 87 out of 100, Very strong | $33.7M | 20.4% | 0.92% | vs |
| Scott State BankBank Bethany, IL | 86 out of 100, Very strong | $203.5M | 13.7% | 0.24% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Washington Savings BankBank Effingham, IL | 77 out of 100, Strong | $585.3M | 12.1% | 0.29% | vs |