Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
76th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 15, 2026
Call-report figures are for First Mid Bank & Trust, National Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Mid Bank & Trust, National Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 3.6% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (76th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $3.5M in Q2 2026, 8.8% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for First Mid Bank & Trust, National Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.5M | +$517K | +17.6% |
| Q1 2026 | $2.9M | +$299K | +11.3% |
| Q4 2025 | $2.6M | −$767K | −22.5% |
| Q3 2025 | $3.4M | +$231K | +7.3% |
| Q2 2025 | $3.2M | +$114K | +3.7% |
| Q1 2025 | $3.1M | −$176K | −5.4% |
| Q4 2024 | $3.2M | −$80K | −2.4% |
| Q3 2024 | $3.3M | −$98K | −2.9% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Mid Bank & Trust, National Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Mid Bank & Trust, National Association by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Monthly Maintenance Fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $8 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly maintenance fee and account restrictions (audience not stated, treated as personal) | No charge | per month | None |
| Paper Statement Fee (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement Fee (audience not stated, treated as personal) | $2 | per month | None |
| Paper Statement Fee (audience not stated, treated as personal) | $2 | per month | None |
Other feesUnder review | |||
| Monthly Maintenance Fee (audience not stated, treated as personal) | No charge | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $5 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $8 | per month | None |
| Monthly Maintenance Fee (audience not stated, treated as personal) | $10 | per month | None |
| Paper Statement Fee (audience not stated, treated as personal) | $5 | per month | None |
| Paper Statement Fee (audience not stated, treated as personal) | $2 | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Mid Bank & Trust, National Association operates, and what regulators and customers have on file.
Branch footprint
87 offices in 5 states, $7.6B in branch deposits (June 2026)
Hover a state for its branch count.
Largest markets by deposits
| Outside a metro area | 34 | $3.7B |
| 18 | $1.5B | |
| 5 | $541.3M | |
| 4 | $414.0M | |
| 3 | $359.0M | |
| 7 | $350.5M | |
| 4 | $140.7M | |
| 2 | $139.0M |
St. Louis, MO-IL
1% of bank deposits, #16 of 111, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| U.S. Bank National Association | 13% |
| Stifel Bank and Trust | 12.4% |
| Bank of America, National Association | 11.8% |
| Stifel Bank | 9.6% |
| Commerce Bank | 5.8% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In St. Louis, MO-IL, First Mid Bank & Trust, National Association holds 1% of bank deposits, #16 of 111, with 18 offices.
900 offices of 90 institutions shown.
Showing 900 of 1,001 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 111 institutions shown. $141.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 1% share, 18 offices, #16 of 111
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
207 offices of 43 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
FIRST MID BANCSHARES, INC. (Nasdaq: FMBH)
Consolidated assets
$9.2B
Shareholders' equity
$1.1B
As of
2026Q2
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 700565. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows