Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs Southern Illinois Bank
Metric by metric
| Measure | First Mid Bank & Trust, National Association | Southern Illinois Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 64 | 65 (stronger) |
| Funding & liquidity | 68 | 82 (stronger) |
| Problem-loan coverage | 92 (stronger) | 64 |
| Peer percentile | 58th | 22nd |
| Total assets | $9.1B | $136.5M |
| Deposits / shares | $7.6B | $114.1M |
| Capital ratio | 10.70% | 17.72% (stronger) |
| Problem loans | 0.58% (stronger) | 4.75% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.10% | 1.13% (stronger) |
| Loans ÷ deposits | 89.7% | 63.6% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 28.5% |
| Offices | 85 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
First Mid Bank & Trust, National Association has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), First Mid Bank & Trust, National Association leads on 3 and Southern Illinois Bank on 4. 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.