Bank · FDIC insured
First Mid Bank & Trust
A $9.1B bank, the 175th largest of 4,207, headquartered in Mattoon, IL, with 87 branches in 5 states. Best rates: CDs 2.75% and savings 0.10% APY.
First Mid Bank & Trust Carrot Score
62
Carrot Score
Higher than 5% of U.S. banks and credit unions
#75 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Mid Bank & Trust
Operating since 1865, First Mid Bank & Trust, N.A. is a subsidiary of parent company First Mid Bancshares, Inc.
The organization provides financial services through a network of locations in Illinois, Iowa, Missouri, Texas, and Wisconsin, along with a loan production office in Indiana.
- Headquarters
- 1515 Charleston Ave, Mattoon, IL 61938
- FDIC certificate
- 3705 ↗
Branches
87 branches in 5 states
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Illinois
52 branches
Champaign area · 7
- Champaign Branch114 W Church St, Champaign, IL 61820Directions
- Mahomet Branch502 E Oak St, Mahomet, IL 61853Directions
- Mansfield Branch1 Jefferson Street, Mansfield, IL 61854Directions
- Monticello Drive-Up Branch219 W Center St, Monticello, IL 61856Directions
- Rantoul First Branch1500 E Grove Ave, Rantoul, IL 61866Directions
- Savoy Branch1251 Woodfield Drive, Savoy, IL 61874Directions
- Urbana Branch601 S Vine St, Urbana, IL 61801Directions
St. Louis area · 6
- Alton Branch111 E 4th St, Alton, IL 62002Directions
- Edwardsville Br6814 Goshen Rd, Edwardsville, IL 62025Directions
- St Louis Street Branch300 Saint Louis St, Edwardsville, IL 62025Directions
- Fairview Heights Branch4600 N Illinois St, Fairview Heights, IL 62208Directions
- Highland Branch12616 State Route 143, Highland, IL 62249Directions
- Wood River Branch1046 Madison Ave, Wood River, IL 62095Directions
Rockford area · 5
- Belvidere Branch2141 N State St, Belvidere, IL 61008Directions
- Machesney Park Branch9609 Forest Hills Rd, Machesney Park, IL 61115Directions
- 11th Street Branch3101 11th St, Rockford, IL 61109Directions
- Rockford Branch2475 N Perryville Rd, Rockford, IL 61107Directions
- Roscoe Branch5506 Clayton Cir, Roscoe, IL 61073Directions
Decatur area · 4
- East Pershing Road Branch560 E Pershing Rd, Decatur, IL 62526Directions
- First Federal Branch455 N Main St, Decatur, IL 62523Directions
- Route 36 Branch4825 E Us Route 36, Decatur, IL 62521Directions
- Forsyth Branch1090 S Route 51, Forsyth, IL 62535Directions
Peoria area · 4
- Adams Branch230 Sw Adams St, Peoria, IL 61602Directions
- Bartonville Branch1101 W Garfield Ave, Peoria, IL 61607Directions
- Knoxville - Peoria Branch1021 W Bird Blvd, Peoria, IL 61615Directions
- Peoria Branch4530 N University St, Peoria, IL 61614Directions
Charleston area · 3
- First Mid Bank & Trust, National AssociationMain office1515 Charleston Ave, Mattoon, IL 61938Directions
- Lincoln Branch500 W Lincoln Ave, Charleston, IL 61920Directions
- Cross County Facility333 Broadway Ave E, Mattoon, IL 61938Directions
Effingham area · 3
- Altamont Facility101 W Washington Ave, Altamont, IL 62411Directions
- Effingham Facility902 N Keller Dr, Effingham, IL 62401Directions
- Neoga Facility102 E 6th St, Neoga, IL 62447Directions
Carbondale area · 2
- Carbondale Branch509 S University Ave, Carbondale, IL 62901Directions
- Murphysboro Facility1709 Walnut St, Murphysboro, IL 62966Directions
Marion area · 2
- Carterville Facility300 S Division St, Carterville, IL 62918Directions
- Marion Branch Center2306 Williamson County Pkwy, Marion, IL 62959Directions
Harrisburg area · 2
- Harrisburg Branch2 E Locust St, Harrisburg, IL 62946Directions
- Harrisburg South Branch719 Rollie Moore Drive, Harrisburg, IL 62946Directions
Chicago area · 2
- Mchenry Banking Center Branch3814 W Elm St, McHenry, IL 60050Directions
- Blackhawk Bank St Charles Il Branch460 S 1st St, St. Charles, IL 60174Directions
Arcola area · 1
- Arcola Branch249 W Springfield Rd, Arcola, IL 61910Directions
Bloomington area · 1
- Bloomington Branch2306 E Washington St, Bloomington, IL 61704Directions
Carmi area · 1
- 116 West Main Street Branch112 W Main St, Carmi, IL 62821Directions
Galesburg area · 1
- Galesburg Main Branch101 E Main St, Galesburg, IL 61401Directions
Lawrenceville area · 1
- Lawrenceville Branch909 12th St, Lawrenceville, IL 62439Directions
Marshall area · 1
- Marshall Branch610 N Michigan Ave, Marshall, IL 62441Directions
Mount Carmel area · 1
- Mt. Carmel Branch400 N Market St, Mount Carmel, IL 62863Directions
Mount Vernon area · 1
- Mount Vernon Branch400 S 34th St, Mount Vernon, IL 62864Directions
Paris area · 1
- 101 South Central Avenue Branch101 S Central Ave, Paris, IL 61944Directions
Quincy area · 1
- Quincy (Main) Branch636 Hampshire St, Quincy, IL 62301Directions
Sullivan area · 1
- Sullivan Facility200 S Hamilton St, Sullivan, IL 61951Directions
Tuscola area · 1
- Tuscola Facility410 S Main St, Tuscola, IL 61953Directions
Missouri
17 branches
St. Louis area · 12
- Clayton Branch7700 Bonhomme Ave, Clayton, MO 63105Directions
- Creve Coeur Facility12501 Olive Blvd, Creve Coeur, MO 63141Directions
- Elsberry Branch301 Broadway St, Elsberry, MO 63343Directions
- Eureka Branch100 The Legends Pkwy, Eureka, MO 63025Directions
- Lake St. Louis Branch460 Hawk Ridge Trl, Lake St. Louis, MO 63367Directions
- Ofallon Branch4190 Highway K, O'Fallon, MO 63368Directions
- Saint Charles Branch1001 S 5th St, St. Charles, MO 63301Directions
- Concord Village Branch5475 Southfield Ctr, St. Louis, MO 63123Directions
- Jefferson Avenue Branch1643 S Jefferson Ave, St. Louis, MO 63104Directions
- Saint Louis Market Street Branch2301 Market St, St. Louis, MO 63103Directions
- Saint Peters Branch295 Salt Lick Rd, St. Peters, MO 63376Directions
- Winfield Branch4001 E Highway 47, Winfield, MO 63389Directions
Columbia area · 2
- Columbia Branch3855 Forum Blvd, Columbia, MO 65203Directions
- Columbia Branch8 N 5th St, Columbia, MO 65201Directions
Jefferson City area · 2
- Ellis Blvd Branch300 Ellis Blvd, Jefferson City, MO 65101Directions
- Stadium Blvd Branch815 W Stadium Blvd, Jefferson City, MO 65109Directions
Osage Beach area · 1
- Osage Beach Branch995 Kk Dr, Osage Beach, MO 65065Directions
Iowa
14 branches
Fort Madison area · 5
- Fort Madison - Ave L Branch2501 Avenue L, Fort Madison, IA 52627Directions
- Lee County Bank Branch801 Avenue F, Fort Madison, IA 52627Directions
- First Community Bank Branch320 Concert St, Keokuk, IA 52632Directions
- Keokuk Branch115 Boulevard Rd, Keokuk, IA 52632Directions
- West Point Branch504 Avenue D, West Point, IA 52656Directions
Burlington area · 4
- Roosevelt Branch909 S Roosevelt Ave, Burlington, IA 52601Directions
- Two Rivers Bank & Trust Branch222 N Main St, Burlington, IA 52601Directions
- Mediapolis Southeast Security Branch105 Main St, Mediapolis, IA 52637Directions
- West Burlington Branch1066 S Gear Ave, W. Burlington, IA 52655Directions
Des Moines area · 3
- Ankeny Branch650 E 1st St, Ankeny, IA 50021Directions
- Ingersoll Avenue Branch3025 Ingersoll Ave, Des Moines, IA 50312Directions
- Urbandale Branch11881 Hickman Road, Urbandale, IA 50323Directions
Iowa City area · 1
- Coralville Branch3292 Ridgeway Dr, Coralville, IA 52241Directions
Mount Pleasant area · 1
- Mount Pleasant Branch100 W Washington St, Mount Pleasant, IA 52641Directions
Wisconsin
3 branches
- Blackhawk Bank Branch400 Broad St, Beloit, WI 53511Directions
- Cranston Road Branch2200 Cranston Rd, Beloit, WI 53511Directions
- Blackhawk Bank Milton Branch2525 Milton Ave, Janesville, WI 53545Directions
Texas
1 branch
- Grapevine Branch1115 S Main St, Grapevine, TX 76051Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.70% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.58% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.10% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalLeverage ratio10.70%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.58%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Mid Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.