The Company is subject to various regulatory capital requirements administered by the federal banking agencies. Bank holding companies follow minimum regulatory requirements established by the Board of Governors of the Federal Reserve System (“Federal Reserve System”), First Mid Bank follows similar minimum regulatory requirements established for national banks by the Office of the Comptroller of the Currency (“OCC”). Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.

Quantitative measures established by regulatory capital standards to ensure capital adequacy require the Company and its subsidiary bank to maintain minimum capital amounts and ratios (set forth in the table below). Management believes that, as of June 30, 2026 and December 31, 2025, the Company and First Mid Bank met all capital adequacy requirements.


	Actual					Required Minimum for Capital Adequacy Purposes with Capital Buffer			To Be Well-Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio			Amount		Ratio	Amount		Ratio
June 30, 2026
Total capital (to risk-weighted assets)
Company	$	1,106,600		15.41	%	$	754,208	> 10.50%	N/A		N/A
First Mid Bank		1,049,100		14.66	%		751,249	> 10.50%	$	715,476	> 10.00%
Tier 1 capital (to risk-weighted assets)
Company		996,467		13.87	%		610,550	> 8.50%	N/A		N/A
First Mid Bank		971,672		13.58	%		608,154	> 8.50%		572,380	> 8.00%
Common equity tier 1 capital (to risk-weighted assets)
Company		962,390		13.40	%		502,806	> 7.00%	N/A		N/A
First Mid Bank		971,672		13.58	%		500,833	> 7.00%		465,059	> 6.50%
Tier 1 capital (to average assets)
Company		996,467		10.92	%		365,096	> 4.00%	N/A		N/A
First Mid Bank		971,672		10.70	%		363,244	> 4.00%		454,055	> 5.00%

December 31, 2025
Total capital (to risk-weighted assets)
Company	$	989,634		15.67	%	$	663,053	>10.50%	N/A		N/A
First Mid Bank		910,047		14.47	%		660,282	>10.50%	$	628,840	> 10.00%
Tier 1 capital (to risk-weighted assets)
Company		855,405		13.55	%		536,757	> 8.50%	N/A		N/A
First Mid Bank		835,826		13.29	%		534,514	> 8.50%		503,072	> 8.00%
Common equity tier 1 capital (to risk-weighted assets)
Company		830,951		13.16	%		442,035	> 7.00%	N/A		N/A
First Mid Bank		835,826		13.29	%		440,188	> 7.00%		408,746	> 6.50%
Tier 1 capital (to average assets)
Company		855,405		11.07	%		308,994	> 4.00%	N/A		N/A
First Mid Bank		835,826		10.88	%		307,361	> 4.00%		384,201	> 5.00%

The Company's risk-weighted assets, capital, and capital ratios for June 30, 2026 were computed in accordance with Basel III capital rules. As of June 30, 2026, the Company and First Mid Bank had capital ratios above the required minimums for regulatory capital adequacy, and First Mid Bank had capital ratios that qualified it for treatment as well-capitalized under the regulatory framework for prompt corrective action with respect to banks.