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Dec 31, 2025
First Mid Q4 2025 Earnings Report
First Mid reported record quarterly profitability with strong loan and deposit growth.
Key Takeaways
First Mid Bancshares delivered record fourth-quarter net income driven by solid loan growth, stable margins, and continued strength in fee-based businesses despite modest pressure on non-interest income.
Record quarterly net income of $23.7 million
Loans grew 3.2% quarter over quarter to $6.01 billion
Deposits increased 1.7% to $6.40 billion
Efficiency ratio improved to 57.55%
Revenue by Segment
Forward Guidance
Management expects continued balance sheet growth and strategic expansion following regulatory approval of the Two Rivers acquisition.
Positive Outlook
- Pending acquisition of Two Rivers Financial Group
- Improved technology and core banking platform
- Continued loan growth momentum
- Diversified income from wealth and insurance
- Strong capital levels
Challenges Ahead
- Pressure on net interest margin from funding costs
- Integration costs related to acquisitions
- Potential credit normalization from historic lows
- Economic uncertainty impacting borrowers
- Competitive deposit pricing environment
Historical Earnings Impact
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Avg. Return Before/After Earnings
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