Side-by-side · Q2 2026 data
First Mid Bank & Trust, National Association vs The First National Bank of Carmi
Metric by metric
| Measure | First Mid Bank & Trust, National Association | The First National Bank of Carmi |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 57 | 64 (stronger) |
| Loan quality | 81 | 88 (stronger) |
| Earnings | 64 | 68 (stronger) |
| Funding & liquidity | 68 | 68 |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 58th | 61st |
| Total assets | $9.1B | $622.2M |
| Deposits / shares | $7.6B | $545.5M |
| Capital ratio | 10.70% | 11.42% (stronger) |
| Problem loans | 0.58% | 0.35% (stronger) |
| Net charge-offs | 0.08% | -0.15% (stronger) |
| Return on assets | 1.10% | 1.19% (stronger) |
| Loans ÷ deposits | 89.7% | 77.5% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 28.5% |
| Offices | 85 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | 16.1% |
The First National Bank of Carmi has the higher TellerScore (75 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 The First National Bank of Carmi 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
- Carmi, IL
- Lawrenceville, IL
- Mount Carmel, IL