| Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations |
As of December 31, 2025, the most recent notification from the primary regulators categorized First Mid Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, minimum total risk-based capital, Tier 1 risk-based capital, Common Equity Tier 1 risk-based capital, and Tier 1 leverage ratios must be maintained as set forth in the following table. At June 30, 2026, there were no conditions or events since the most recent notification that management believes has changed this categorization.
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Actual |
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Required Minimum for Capital Adequacy
Purposes with Capital Buffer |
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To Be Well-Capitalized Under Prompt
Corrective Action Provisions |
(Dollars in thousands) |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
June 30, 2026 |
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Total capital (to risk-weighted assets) |
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Company |
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$ |
1,106,600 |
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15.41 |
% |
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$ |
754,208 |
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> 10.50% |
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N/A |
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N/A |
First Mid Bank |
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1,049,100 |
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14.66 |
% |
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751,249 |
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> 10.50% |
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$ |
715,476 |
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> 10.00% |
Tier 1 capital (to risk-weighted assets) |
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Company |
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996,467 |
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13.87 |
% |
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610,550 |
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> 8.50% |
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N/A |
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N/A |
First Mid Bank |
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971,672 |
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13.58 |
% |
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608,154 |
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> 8.50% |
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572,380 |
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> 8.00% |
Common equity tier 1 capital (to risk-weighted assets) |
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Company |
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962,390 |
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13.40 |
% |
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502,806 |
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> 7.00% |
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N/A |
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N/A |
First Mid Bank |
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971,672 |
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13.58 |
% |
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500,833 |
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> 7.00% |
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465,059 |
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> 6.50% |
Tier 1 capital (to average assets) |
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Company |
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996,467 |
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10.92 |
% |
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365,096 |
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> 4.00% |
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N/A |
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N/A |
First Mid Bank |
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971,672 |
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10.70 |
% |
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363,244 |
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> 4.00% |
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454,055 |
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> 5.00% |
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December 31, 2025 |
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Total capital (to risk-weighted assets) |
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Company |
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$ |
989,634 |
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15.67 |
% |
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$ |
663,053 |
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>10.50% |
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N/A |
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N/A |
First Mid Bank |
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910,047 |
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14.47 |
% |
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660,282 |
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>10.50% |
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$ |
628,840 |
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> 10.00% |
Tier 1 capital (to risk-weighted assets) |
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Company |
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855,405 |
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13.55 |
% |
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536,757 |
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> 8.50% |
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N/A |
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N/A |
First Mid Bank |
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835,826 |
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13.29 |
% |
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534,514 |
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> 8.50% |
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503,072 |
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> 8.00% |
Common equity tier 1 capital (to risk-weighted assets) |
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Company |
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830,951 |
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13.16 |
% |
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442,035 |
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> 7.00% |
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N/A |
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N/A |
First Mid Bank |
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835,826 |
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13.29 |
% |
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440,188 |
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> 7.00% |
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408,746 |
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> 6.50% |
Tier 1 capital (to average assets) |
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Company |
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855,405 |
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11.07 |
% |
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308,994 |
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> 4.00% |
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N/A |
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N/A |
First Mid Bank |
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835,826 |
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10.88 |
% |
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307,361 |
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> 4.00% |
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384,201 |
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> 5.00% |
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