Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2019

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]

s 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.