FIRST MID BANCSHARES, INC.

Listed Company

FMBHCIK 0000700565NasdaqLarge AcceleratedState Commercial BanksDelawareFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$91.75M

Total Assets

$7.97B

Equity

$958.69M

Shares Out

26.62M

Op. Cash Flow

$130.87M

FMBH$48.55+23.19% · past yearDBEQ Basic

Daily closing prices

Business

First Mid Bancshares, Inc. is a financial holding company engaged in retail and commercial banking through its subsidiary First Mid Bank & Trust, N.A., which operates branches across Illinois, Missouri, Wisconsin, Texas and Indiana. The company offers deposit and lending products, trust services, wealth management, investment services, and insurance products through wholly owned subsidiaries First Mid Insurance Group, First Mid Wealth Management Company, and First Mid Investments. The company serves individual customers and commercial clients in mid-sized Midwestern communities and competes with other regional banks, credit unions, and savings institutions through relationship-based community banking.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest and fees on loans	339	320	262	186	160
Taxable	22	21	25	21	16
Exempt from federal income tax	7	8	7	9	7
Interest on certificates of deposit	103,000	144,000	98,000	37,000	56,000
Interest on federal funds sold	3,000	53,000	419,000	113,000	0
Interest on deposits with other financial institutions	5	8	5	492,000	357,000
Total interest income	373	357	300	216	183
Interest on deposits	98	107	77	19	9
Interest on securities sold under repurchase agreements with customers	4	6	7	2	231,000
Interest on other borrowings	8	9	17	9,000	0
Interest on junior subordinated debentures	2	2	2	868,000	541,000
Interest on subordinated debt	4	4	4	4	4
Total interest expense	117	129	107	32	—
Net interest income	256	229	193	184	168
Provision for credit losses	10	6	6	5	—
Net interest income after provision for credit losses	246	223	187	179	153
Wealth management revenues	23	23	21	22	20
Insurance commissions	32	29	25	22	19
Service charges	12	12	11	9	7
Securities gains (losses), net	−3	−433,000	3	33,000	124,000
Mortgage banking revenue, net	4	4	2	1	5
ATM / debit card revenue	16	17	14	12	12
Bank owned life insurance	5	5	5	4	3
Other income	2	7	5	4	4
Total other income	93	96	87	75	70
Salaries and employee benefits	135	124	105	99	90
Net occupancy and equipment expense	37	30	27	24	22
Net other real estate owned expense	539,000	411,000	2	330,000	4
FDIC insurance expense	3	3	3	2	2
Amortization of intangible assets	12	14	9	6	5
Stationery and supplies	2	2	1	1	1
Legal and professional	11	13	7	7	7
ATM / debit card expense	7	6	5	4	3
Marketing and donations	3	3	3	3	4
Other expense	12	18	22	16	19
Total other expense	222	215	186	163	156
Income before income taxes	117	104	88	91	67
Income taxes	25	25	19	18	15
Net income	92	79	69	73	51
Basic net income per common share	3.84	3.31	3.17	3.62	2.88
Diluted net income per common share	3.83	3.3	3.15	3.6	2.87
Cash dividends declared per common share	98	94	92	0.9	0.85

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Non-interest bearing	57	92	123	138	91
Interest bearing	198	29	11	6	76
Federal funds sold	76,000	75,000	9	8	1
Cash and cash equivalents	255	121	143	152	169
Certificates of deposit	2	4	1	1	2
Available-for-sale, at fair value (amortized cost of $1,215,813 and $1,257,436 at December 31, 2025 and 2024, respectively)	1,077	1,063	1,172	1,219	1,421
Held-to-maturity, at amortized cost (estimated fair value of $2,288 and $2,279 at December 31, 2025 and 2024, respectively)	2	2	2	3	7
Equity securities, at fair value	5	4	4	311,000	397,000
Loans held for sale, at fair value	5	7	5	338,000	3
Loans	6,006	5,666	5,576	4,826	3,993
Less allowance for credit losses	−75	−70	−69	−59	−55
Net loans	5,931	5,596	5,507	4,767	3,938
Interest receivable	40	39	35	28	20
Other real estate owned, net	3	2	1	4	5
Premises and equipment, net	91	100	101	90	81
Goodwill, net	203	203	196	140	112
Intangible assets, net	50	59	68	29	30
Bank owned life insurance	175	171	166	152	132
Right of use asset	13	14	14	16	15
Tax assets	46	60	70	72	7
Other assets	69	75	100	68	43
Total assets	7,967	7,520	7,587	6,744	5,987
Non-interest bearing	1,393	1,329	1,398	1,257	1,247
Interest bearing	5,003	4,728	4,725	4,000	3,710
Total deposits	6,395	6,057	6,124	5,257	4,956
Securities sold under agreements to repurchase	197	204	214	221	146
Interest payable	6	5	5	3	1
Other borrowings	270	243	—	—	—
Junior subordinated debentures, net	24	24	24	19	19
Subordinated debt, net	60	87	107	95	94
Lease liability	13	14	15	16	15
Other liabilities	43	38	42	34	33
Total liabilities	7,008	6,673	6,794	6,111	5,353
Commitments and contingent liabilities (Note 17)	—	—	—	—	—
Common stock, $4 par value; authorized 45,000,000 shares; issued 24,671,969 and 24,564,356 shares in 2025 and 2024, respectively; outstanding 23,986,299 and 23,895,807 shares in 2025 and 2024, respectively	101	100	100	86	77
Additional paid-in capital	517	513	509	427	340
Retained earnings	464	395	339	289	234
Deferred compensation	3	3	3	2	3
Accumulated other comprehensive loss	−101	−142	−136	−152	−831,000
Treasury stock at cost, 685,670 and 668,549 shares in 2025 and 2024, respectively	−24	−22	−21	−20	−19
Total stockholders equity	959	846	793	633	634
Total liabilities and stockholders equity	7,967	7,520	7,587	6,744	5,987

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net income	92	79	69	73	51
Depreciation, amortization and accretion, net	20	21	15	15	14
Change in cash surrender value of bank owned life insurance	−5	−5	−4	−4	−3
Gain on cash surrender value of bank owned life insurance	−487,000	0	−976,000	0	0
Stock-based compensation expense	3	2	2	2	1
Operating lease payments	−3	−3	−3	−3	−3
Loss (gain) on sale of investment securities, net	3	433,000	−3	−33,000	−124,000
Loss (gain) on sale of other real property owned, net	325,000	−1	4	97,000	6
Loss (gain) on sale of premises and equipment	−2	1	131,000	—	—
Gain on sale of loans held for sale, net	−4	−4	−1	—	—
Loss (gain) on repayment of subordinated debentures	589,000	−493,000	0	—	—
Gain on repayment of other borrowings	−85,000	0	0	—	—
Deferred income taxes	−2	590,000	17	−2	−3
Increase in accrued interest receivable	−1	−4	−3	−7	2
Increase in accrued interest payable	2	217,000	1	2	−2
Origination of loans held for sale	−166	−127	−62	−60	−150
Proceeds from sale of loans held for sale	172	129	59	63	153
Decrease (increase) in other assets	11	34	−21	−20	−14
(Decrease) Increase in other liabilities	4	−4	−2	3	5
Net cash provided by operating activities	131	124	72	66	70
Proceeds from maturities of certificates of deposit investments	3	245,000	1	1	490,000
Purchase of certificates of deposit investments	−900,000	−2	−245,000	−245,000	−245,000
Proceeds from sales of investment securities available-for-sale	52	32	344	36	611,000
Proceeds from maturities of investment securities available-for-sale	118	92	106	145	238
Proceeds from maturities of investment securities held-to-maturity	0	0	668,000	5	0
Purchase of investment securities available-for-sale	−132	−20	−1	−13	−692
Purchase of held-to-maturity investment securities	−64,000	−53,000	0	0	—
Net increase in loans	−346	−99	−21	−416	−32
Purchases of premises and equipment	−7	−5	−4	−5	−4
Proceeds from sale of premises and equipment	11	7,000	0	0	—
Proceeds from sales of other real property owned, net	811,000	4	2	996,000	10
Proceeds from bank owned life insurance death benefit	1	0	2	0	0
Net cash (used in) provided by acquisition	−2	−9	45	67	27
Net cash (used in) provided by investing activities	−303	−8	474	−179	−482
Net increase (decrease) in deposits	338	−67	−328	−260	273
Decrease in repurchase agreements	−7	−10	−8	40	−61
Proceeds from other borrowings	200	165	150	—	—
Repayment of other borrowings	−172	−186	−351	—	—
Proceeds from short-term debt	4	0	0	0	0
Repayment of short-term debt	−4	0	0	0	0
Repayment of subordinated debentures	−30	−19	0	0	—
Proceeds from issuance of common stock	1	1	1	1	2
Purchase of treasury stock	−724,000	−659,000	−465,000	−340,000	−326,000
Dividends paid on common stock	−23	−22	−20	−18	−15
Net cash (used in) provided by financing activities	305	−139	−556	97	164
Increase (decrease) in cash and cash equivalents	134	−22	−9	−16	−249
Interest	116	129	105	30	16
Total income taxes, net of refunds	18	−2	22	23	19
Loans transferred to other real estate owned	159,000	5	681,000	383,000	249,000
Fixed assets transferred to other real estate owned	2	0	0	—	—
Initial recognition of right-of-use assets in exchange for lease liabilities	2	3	1	715,000	0

Filings

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Frequently asked questions

What is FIRST MID BANCSHARES, INC.'s CIK number?

FIRST MID BANCSHARES, INC.'s SEC CIK number is 0000700565 (700565). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find FIRST MID BANCSHARES, INC.'s SEC filings?

All of FIRST MID BANCSHARES, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did FIRST MID BANCSHARES, INC. last report earnings?

FIRST MID BANCSHARES, INC. (FMBH) most recently filed an earnings 8-K with the SEC on Apr 29, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001171843-26-002829). This is FIRST MID BANCSHARES, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is FIRST MID BANCSHARES, INC.'s most recent earnings 8-K?

FIRST MID BANCSHARES, INC.'s latest earnings 8-K (Item 2.02) was filed Apr 29, 2026 under accession 0001171843-26-002829. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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