Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Prairie State Bank and Trust
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Prairie State Bank and Trust |
|---|---|---|
| TellerScore | 70 | 80 (stronger) |
| Capital cushion | 57 | 74 (stronger) |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 64 | 83 (stronger) |
| Funding & liquidity | 68 | 75 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 58th | 77th |
| Total assets | $9.1B | $840.1M |
| Deposits / shares | $7.6B | $730.2M |
| Capital ratio | 10.70% | 12.39% (stronger) |
| Problem loans | 0.58% | 0.52% (stronger) |
| Net charge-offs | 0.08% | 0.04% (stronger) |
| Return on assets | 1.10% | 1.58% (stronger) |
| Loans ÷ deposits | 89.7% | 74.9% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 24.3% |
| Offices | 85 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | 3.9% |
Prairie State Bank and Trust has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 1 and Prairie State Bank and Trust on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Decatur, IL
- Mattoon, IL
- Bloomington, IL
- Charleston, IL
- Quincy, IL
- Savoy, IL