BlastPoint's Banking Scorecard
First Mid Bank & Trust, National Association
Mid-Market
Specialty: Commercial
IL
FDIC cert 3705
Mattoon, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
First Mid Bank & Trust, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18% in Mid-Market
- - Credit Risk Growth: Bottom 23% in Mid-Market
- - Liquidity Strain: Bottom 27% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.9B
+5.9% YoY
+1.7% QoQ
|
-$2.6B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$5.9B
+6.0% YoY
+3.2% QoQ
|
-$1.2B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$6.5B
+5.9% YoY
+1.6% QoQ
|
-$2.1B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.15%
+17.8% YoY
+1.2% QoQ
|
-0.02% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.78%
+8.5% YoY
+0.1% QoQ
|
+0.39% |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
57.64%
-5.8% YoY
-0.4% QoQ
|
+1.03% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.52%
+1.8% YoY
+44.7% QoQ
|
-0.16% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
91.92%
+0.1% YoY
+1.6% QoQ
|
+6.45% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
22.54%
+0.2% YoY
-5.6% QoQ
|
+1.90% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.43%
+3.4% YoY
+49.8% QoQ
|
-0.07% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.29%
-0.8% YoY
-1.8% QoQ
|
-0.26% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.66%
-11.0% YoY
+25.3% QoQ
|
-0.30% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#21 of 113 · Bottom 18% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.52%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#21 of 87 · Bottom 23% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#22 of 80 · Bottom 27% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.92%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
69
69th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.40%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.92% · Tier avg: 85.47%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.29% · Tier avg: 13.55%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.54% · Tier avg: 20.64%
55
55th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
48
48th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.96%
48
48th pctile
Total Loans
Current: $5.9B · Tier avg: $7.1B
47
47th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
45
45th pctile
Efficiency Ratio
Current: 57.64% · Tier avg: 56.60%
44
44th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
44
44th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
Top Weaknesses
44
44th pctile
Total Deposits
Current: $6.5B · Tier avg: $8.5B
44
44th pctile
Total Assets
Current: $7.9B · Tier avg: $10.5B
45
45th pctile
Efficiency Ratio
Current: 57.64% · Tier avg: 56.60%
47
47th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.16%
48
48th pctile
Total Loans
Current: $5.9B · Tier avg: $7.1B
48
48th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.96%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.68%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.54% · Tier avg: 20.64%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.29% · Tier avg: 13.55%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.92% · Tier avg: 85.47%
69
69th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.40%