Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Prospect Bank
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Prospect Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 57 (stronger) | 35 |
| Loan quality | 81 | 85 (stronger) |
| Earnings | 64 (stronger) | 30 |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 92 (stronger) | 90 |
| Peer percentile | 58th | 14th |
| Total assets | $9.1B | $715.6M |
| Deposits / shares | $7.6B | $603.4M |
| Capital ratio | 10.70% (stronger) | 8.50% |
| Problem loans | 0.58% | 0.45% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 1.10% (stronger) | 0.26% |
| Loans ÷ deposits | 89.7% | 77.9% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 27.3% |
| Offices | 85 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | 17.8% |
First Mid Bank & Trust, National Association has the higher TellerScore (70 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 4 and Prospect Bank on 3. 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
- Champaign, IL
- Marshall, IL
- Paris, IL