FMBH at a glance
FIRST MID BANCSHARES, INC. (FMBH, SEC CIK 700565) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and Form 4 insider filings as recently as October 6, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), FIRST MID BANCSHARES, INC. (FMBH) reported revenue of $373.0 million (up 4.4% from FY2024) and net income of $91.7 million. Diluted EPS was $3.83.
- As of June 30, 2026, 28 institutional investment managers tracked by SignalX reported holding FIRST MID BANCSHARES, INC. (FMBH) shares worth $339.1 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $373.0M
- +4.4% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 28 funds
- $339.1M · +1 vs prior quarter
- Latest 8-K
- Jul 23, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Community-focused banking, insurance, wealth management, and investment services through wholly owned subsidiaries
- New acquisitions: Blackhawk Bank merged into First Mid Bank (Dec 2023), Mid Rivers Insurance Group merged into First Mid Insurance (Q3 2024)
- Strategic shift: Increase in lending portfolio, commercial real estate loans grew from $1.7B (2021) to $2.6B (2025), with focus on organic and acquisition growth
- Quantitative highlight: Employee engagement survey 98% participation in 2025, net interest margin increased to 3.70% in 2025 from 3.34% in 2024
- Noteworthy fact: Compensation increases include $1.00/hr raise for entry-level employees third consecutive year and 4% salary range increases across the board
Risk Factors
- Regulatory risk: OCC may prohibit dividends despite $54.5M available, if deemed unsafe or unsound practice
- Macroeconomic exposure: $1.38B in unused lines of credit at Dec 31, 2025, including $675M commercial operating loans
- Operational risk: Integration of $722.9M net loans from Blackhawk acquisition with $50.1M goodwill recorded
- Market disruption: Rising interest rate volatility impacts $27.2M interest rate swap derivatives, affecting hedging effectiveness
- Financial risk: $130.3M loans to related parties at Dec 31, 2025, down from $247.9M in prior year, concentration risk
Management Discussion & Analysis
- No explicit profitability or margin percentages disclosed for FY 2026 or FY 2025
- No segment performance data or best/worst performers quantified
- No cash flow, capital allocation, buybacks, dividends, or capex dollar amounts mentioned
- Management highlights interest rate risk sensitivity with Net Interest Income impact: +200 bp prime increase could add $10.1M and 4.47% ROAE at Dec 31, 2025
- Economic Value of Equity (EVE) would decline 5.3% or $90.4M with a 200 bp interest rate rise at Dec 31, 2025, within policy limits
- Forward-looking risk: exposure to interest rate changes; EVE and net interest income highly sensitive to +/- 100-200 bp prime rate shifts
AI summary of the FMBH 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $4.351M higher YoY in Q2 2026; six-month net income $54.1M vs $45.6M
- Net interest income $80.459M vs $64.634M; tax-equivalent margin 3.79% vs 3.72%
- Best revenue line wealth management $8.206M, up 52.1% YoY
- Worst revenue line mortgage banking $814K, down 23.9% YoY
- Deposits $7.6B vs $6.4B; net loans $6.8B vs $5.9B, primarily from Two Rivers acquisition
- Near-term headwinds: integration expenses, higher nonperforming loans $41.3M, and broader interest-rate and economic uncertainty
Risk Factors
- No material changes to risk factors since the December 31, 2025 Form 10-K
- Credit risk from adverse borrower experience remains a core exposure
- Interest-rate and liquidity risk could materially affect financial condition and results
- Bank dividend restrictions constrain parent-company dividends and operating funding without regulatory approval
- Operational and economic-market risks remain capable of materially affecting results and common-stock value
AI summary of the FMBH 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Quarterly results and financial condition reported for period ended June 30, 2026
- Press release issued July 23, 2026 and furnished as Exhibit 99.1
Item 2.03: Creation of a Direct Financial Obligation
- Promissory Note dated July 10, 2026, creating a direct financial obligation to Bankers’ Bank
- Note terms and borrowing amount require review of Exhibit 10.1 for investor assessment
Item 1.01: Entry into a Material Definitive Agreement
- $19.71M refinancing note executed July 10, 2026 with Bankers’ Bank
- Fixed 6.125% interest rate with 38 monthly payments of $161,204.52 beginning July 28, 2026
Item 5.07: Submission of Matters to a Vote of Security Holders
- 70.4% shareholder participation, providing a valid majority and quorum for the April 29, 2026 meeting
- Four directors elected to three-year terms, with support ranging from 16,690,195 to 17,902,690 votes
AI summaries of FMBH 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for FMBH
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- Fund moves. Which tracked funds opened, added or cut FMBH, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Cook Robert S | A | Oct 2, 2026 | 264.911 | $49.96 |
| SMITH MATTHEW K | A | Oct 2, 2026 | 58.607 | $49.96 |
| McRae Eric S | A | Oct 2, 2026 | 73.187 | $49.96 |
| Zimmer James Edwin | A | Oct 2, 2026 | 254.819 | $49.96 |
| Westerhold Mary | A | Oct 2, 2026 | 267.434 | $49.96 |
| Westerhold Mary | A | Jul 2, 2026 | 272.819 | $48.79 |
| McRae Eric S | A | Jul 2, 2026 | 87.06 | $48.79 |
| SMITH MATTHEW K | A | Jul 2, 2026 | 66.234 | $48.79 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $300.2M | $357.4M | $373.0M |
| Net Income | $68.9M | $78.9M | $91.7M |
| Net Margin | 23.0% | 22.1% | 24.6% |
| Balance Sheet | |||
| Total Assets | $7.6B | $7.5B | $8.0B |
| Equity | $793.2M | $846.4M | $958.7M |
| ROE | 8.7% | 9.3% | 9.6% |
| Per Share | |||
| EPS | - | $3.30 | $3.83 |
| Cash Flow | |||
| Operating CF | $72.4M | $124.4M | $130.9M |
| CapEx | $3.6M | $4.9M | $6.8M |
Source: XBRL data in FIRST MID BANCSHARES, INC. (FMBH)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate FMBH share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 28 | $339.1M |
| Q1 2026 | 27 | $256.2M |
| Q4 2025 | 26 | $245.0M |
| Q3 2025 | 27 | $241.6M |
| Q2 2025 | 28 | $225.0M |
| Q1 2025 | 25 | $139.5M |
| Q4 2024 | 19 | $125.2M |
| Q3 2024 | 15 | $76.4M |
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- Citadel Advisors LLC+62.8K
Source: 13F-HR filings on SEC EDGAR (aggregated from 195 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
FMBH filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Oct 6, 2026 | - | - | - |
| 4 | Oct 6, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 23, 2026 | - | Analysis | - |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 1, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 6, 2026 | - | - | - |
| 4 | Apr 1, 2026 | - | - | - |
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FMBH SEC filings: frequently asked questions
Which institutions hold FMBH stock?
As of June 30, 2026, the largest FIRST MID BANCSHARES, INC. (FMBH) holders among the 13F filers tracked by SignalX were BlackRock ($114.3 million), Dimensional Fund Advisors ($56.2 million), Vanguard Capital Management LLC ($51.6 million), State Street Corp ($28.1 million), Vanguard Portfolio Management LLC ($16.6 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was FMBH's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), FIRST MID BANCSHARES, INC. (FMBH) reported revenue of $373.0 million (up 4.4% from FY2024) and net income of $91.7 million. Diluted EPS was $3.83. The figures come from the XBRL data in the 10-K.
What are the main risks in FMBH's latest 10-K?
In the 10-K filed February 27, 2026, FIRST MID BANCSHARES, INC. (FMBH) flagged: Regulatory risk: OCC may prohibit dividends despite $54.5M available, if deemed unsafe or unsound practice. Macroeconomic exposure: $1.38B in unused lines of credit at Dec 31, 2025, including $675M commercial operating loans. (AI summary of the Risk Factors section.)
What did FMBH report in its latest 8-K?
FIRST MID BANCSHARES, INC. (FMBH) filed an 8-K on July 23, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Quarterly results and financial condition reported for period ended June 30, 2026.
What are the latest FMBH SEC filings?
FIRST MID BANCSHARES, INC. (FMBH) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 23, 2026 and a Form 4 insider filing on October 6, 2026.
What is FMBH's SEC CIK number?
FIRST MID BANCSHARES, INC. (FMBH)'s SEC Central Index Key (CIK) is 700565. EDGAR lists every FMBH filing under that number.
Ask anything about FMBH
The research agent reads FMBH's filings, financials, insider trades and 13F holders, then answers with sources.