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Regulatory Capital (Notes)
 12 Months Ended
Dec. 31, 2019
Regulatory Capital [Abstract]  
Regulatory Capital Requirements under Banking Regulations [Text Block]
Regulatory Capital

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”), and First Mid Bank follow 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 each regulatory capital standards to ensure capital adequacy require the Company and its subsidiary bank to maintain a minimum capital amounts and ratios (set forth in the table below).  Management believes that, as of December 31, 2019 and 2018, the Company and First Mid Bank all capital adequacy requirements.

As of December 31, 2019 and 2018, 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 table below. At December 31, 2019, there were no conditions or events since the most recent notification that management believes have changed this categorization.

 
Actual
 
Required Minimum For Capital Adequacy Purposes with Capital Buffer
 
To Be Well-Capitalized Under Prompt Corrective Action Provisions
 
Amount (in thousands)
 
Ratio
 
Amount (in thousands)
 
Ratio
 
Amount (in thousands)
 
Ratio
December 31, 2019
 
 
 
 
 
 
 
 
 
 
 
Total Capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Company
$
444,305

 
15.74
%
 
$
296,378

 
>10.50%
 
N/A

 
N/A
First Mid Bank
411,196

 
14.65
%
 
294,703

 
>10.50%
 
$
280,670

 
> 10.00%
Tier 1 Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
417,394

 
14.79
%
 
239,925

 
> 8.50
 
N/A

 
N/A
First Mid Bank
384,285

 
13.69
%
 
238,569

 
> 8.50
 
224,536

 
> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Company
398,536

 
14.12
%
 
197,585

 
> 7.00
 
N/A

 
N/A
First Mid Bank
384,285

 
13.69
%
 
196,469

 
> 7.00
 
182,435

 
> 6.50
Tier 1 Capital (to average assets)
 

 
 

 
 

 
 
 
 

 
 
Company
417,394

 
11.20
%
 
149,044

 
> 4.00
 
N/A

 
N/A
First Mid Bank
384,285

 
10.37
%
 
148,268

 
> 4.00
 
185,335

 
> 5.00
December 31, 2018
 

 
 

 
 

 
 
 
 

 
 
Total Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
$
412,879

 
13.63
%
 
$
299,148

 
> 9.875%
 
N/A

 
N/A
First Mid Bank
350,361

 
12.85
%
 
269,171

 
> 9.875
 
$
272,578

 
> 10.00%
     Soy Capital Bank
45,387

 
14.33
%
 
31,283

 
> 9.875
 
31,679

 
> 10.00%
Tier 1 Capital (to risk-weighted assets)
 

 
 

 
 

 
 
 
 

 
 
Company
386,690

 
12.76
%
 
238,561

 
> 7.875
 
N/A

 
N/A
First Mid Bank
324,172

 
11.89
%
 
214,655

 
> 7.875
 
218,063

 
> 8.00
     Soy Capital Bank
45,387

 
14.33
%
 
24,947

 
> 7.875
 
25,343

 
> 8.00
Common Equity Tier 1 Capital (to risk-weighted assets)
 
 
 
 
 
 
 
 
 
 
 
Company
357,690

 
11.81
%
 
193,121

 
> 6.375
 
N/A

 
N/A
First Mid Bank
324,172

 
11.89
%
 
173,769

 
> 6.375
 
177,176

 
> 6.50
     Soy Capital Bank
45,387

 
14.33
%
 
20,195

 
> 6.375
 
20,591

 
> 6.50
Tier 1 Capital (to average assets)
 

 
 

 
 

 
 
 
 

 
 
Company
386,690

 
11.15
%
 
138,765

 
> 4.00
 
N/A

 
N/A
First Mid Bank
324,172

 
9.92
%
 
130,716

 
> 4.00
 
163,396

 
> 5.00
Soy Capital Bank
45,387

 
11.12
%
 
16,322

 
> 4.00
 
20,403

 
> 5.00

The Company's risk-weighted assets, capital and capital ratios for December 31, 2019 are computed in accordance with Basel III capital rules which were effective January 1, 2015. Prior periods are computed following previous rules. See heading "Basel III" in the Overview section of this report for a more detailed description of Basel III rules. As of December 31, 2019 and 2018, the Company and First Mid Bank (and as of December 31, 2018, Soy Capital 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.