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Regulatory Capital | 3 Months Ended
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Mar. 31, 2025
Regulatory Capital [Abstract] |
Regulatory Capital | Note 10 – 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”), First Mid Bank follows similar minimum regulatory requirements established for banks by the Office of the Comptroller of the Currency (“OCC”) and the Federal Deposit Insurance Corporation, as applicable. 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 regulatory capital standards to ensure capital adequacy require the Company and its subsidiary bank to maintain minimum capital amounts and ratios (set forth in the table below). Management believes that, as of March 31, 2025 and December 31, 2024, the Company and First Mid Bank, as applicable, met all capital adequacy requirements. To be categorized as well-capitalized, 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 following table (dollars in thousands):
|  | Actual |  |  | Required Minimum For Capital Adequacy Purposes |  | To Be Well-Capitalized Under Prompt Corrective Action Provisions
|  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  | Amount |  |  | Ratio
March 31, 2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 946,668 |  |  |  | 15.59 | % |  | $ | 637,686 |  |  | > 10.50% |  | N/A |  |  | N/A
First Mid Bank |  |  | 883,533 |  |  |  | 14.58 | % |  |  | 636,317 |  |  | > 10.50% |  | $ | 606,016 |  |  | > 10.00%
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 797,700 |  |  |  | 13.13 | % |  |  | 516,222 |  |  | > 8.50% |  | N/A |  |  | N/A
First Mid Bank |  |  | 814,100 |  |  |  | 13.43 | % |  |  | 515,114 |  |  | > 8.50% |  |  | 484,813 |  |  | > 8.00%
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 773,365 |  |  |  | 12.73 | % |  |  | 425,124 |  |  | > 7.00% |  | N/A |  |  | N/A
First Mid Bank |  |  | 814,100 |  |  |  | 13.43 | % |  |  | 424,211 |  |  | > 7.00% |  |  | 393,911 |  |  | > 6.50%
Tier 1 capital (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 797,700 |  |  |  | 10.73 | % |  |  | 297,369 |  |  | > 4.00% |  | N/A |  |  | N/A
First Mid Bank |  |  | 814,100 |  |  |  | 11.00 | % |  |  | 296,019 |  |  | > 4.00% |  |  | 370,024 |  |  | > 5.00%
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Total capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  | $ | 935,189 |  |  |  | 15.37 | % |  | $ | 639,015 |  |  | >10.50% |  | N/A |  |  | N/A
First Mid Bank |  |  | 880,621 |  |  |  | 14.51 | % |  |  | 637,089 |  |  | >10.50% |  | $ | 606,752 |  |  | > 10.00%
Tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 780,096 |  |  |  | 12.82 | % |  |  | 517,298 |  |  | > 8.50% |  | N/A |  |  | N/A
First Mid Bank |  |  | 813,000 |  |  |  | 13.40 | % |  |  | 515,739 |  |  | > 8.50% |  |  | 485,401 |  |  | > 8.00%
Common equity tier 1 capital (to risk-weighted assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 755,816 |  |  |  | 12.42 | % |  |  | 426,010 |  |  | > 7.00% |  | N/A |  |  | N/A
First Mid Bank |  |  | 813,000 |  |  |  | 13.40 | % |  |  | 424,726 |  |  | > 7.00% |  |  | 394,389 |  |  | > 6.50%
Tier 1 capital (to average assets) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Company |  |  | 780,096 |  |  |  | 10.33 | % |  |  | 301,976 |  |  | > 4.00% |  | N/A |  |  | N/A
First Mid Bank |  |  | 813,000 |  |  |  | 10.82 | % |  |  | 300,596 |  |  | > 4.00% |  |  | 375,745 |  |  | > 5.00%
The Company's risk-weighted assets, capital, and capital ratios for March 31, 2025 are computed in accordance with Basel III capital rules which were effective January 1, 2015. As of March 31, 2025, 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.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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