FMBH FIRST MID BANCSHARES, INC.
FY2025 10-K
FIRST MID BANCSHARES, INC. (FMBH) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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)
Management Discussion & Analysis
- • No revenue or net income dollar figures provided to assess YoY change
- • No explicit profitability or margin percentages disclosed for FY 2026 or FY 2025
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
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