Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2021

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

As of December 31, 2021 and 2020, 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, 2021, 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
(Dollars in thousands)	Amount		Ratio			Amount		Ratio	Amount		Ratio
December 31, 2021
Total capital (to risk-weighted assets)
Company	$	674,310		15.79	%	$	448,344	>10.50%	N/A		N/A
First Mid Bank		624,150		14.67	%		446,711	>10.50%	$	425,439	> 10.00%
Tier 1 capital (to risk-weighted assets)
Company		534,277		12.51	%		362,945	> 8.50	N/A		N/A
First Mid Bank		578,517		13.60	%		361,623	> 8.50		340,351	> 8.00
Common equity tier 1 capital (to risk-weighted assets)
Company		515,082		12.06	%		298,896	> 7.00	N/A		N/A
First Mid Bank		578,517		13.60	%		297,807	> 7.00		276,535	> 6.50
Tier 1 capital (to average assets)
Company		534,277		9.05	%		236,151	> 4.00	N/A		N/A
First Mid Bank		578,517		9.83	%		235,337	> 4.00		294,171	> 5.00

December 31, 2020
Total capital (to risk-weighted assets)
Company	$	589,352		18.82	%	$	328,865	>10.50%	N/A		N/A
First Mid Bank		446,308		14.30	%		327,685	>10.50%	$	312,081	> 10.00%
Tier 1 capital (to risk-weighted assets)
Company		458,325		14.63	%		266,224	> 8.50	N/A		N/A
First Mid Bank		409,534		13.12	%		265,269	> 8.50		249,665	> 8.00
Common equity tier 1 capital (to risk-weighted assets)
Company		439,299		14.03	%		219,243	> 7.00	N/A		N/A
First Mid Bank		409,534		13.12	%		218,457	> 7.00		202,853	> 6.50
Tier 1 capital (to average assets)
Company		458,325		10.22	%		179,302	> 4.00	N/A		N/A
First Mid Bank		409,534		9.18	%		178,497	> 4.00		223,121	> 5.00

The Company's risk-weighted assets, capital and capital ratios for December 31, 2021 and 2020 were computed in accordance with Basel III capital rules which were effective January 1, 2015. Prior periods were 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, 2021 and 2020, the Company and First Mid 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.