MEDIUMBuilt-inLoan_portfolio
loan balances by industry
“10-K Item 1A: 'the Company’s total loan balances by industry exceeded 25% of total risk-based capital for each of four industries as of December 31, 2025'”
FMBH · Concentration risk · 10-K extracted
First Mid Bancshares (FMBH) concentration risks
Updated
The most significant concentration First Mid Bancshares discloses is loan balances by industry, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: First Mid Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 1 disclosed concentration
HIGH0
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06First Mid Bancshares discloses a single loan concentration exposure: as of December 31, 2025, total loan balances by industry exceeded 25% of total risk-based capital for each of four separate industries. This is a structural, book-composition exposure rather than a dependency on any single borrower or counterparty — it reflects how the bank has organized its lending across sectors, not a reliance on one customer or supplier. The filing frames this at a medium share, meaning it is a meaningful but not dominant concentration relative to capital. Because only one exposure is disclosed, there isn't a portfolio of competing risks to weigh against each other; the practical takeaway is that sector-level loan concentration is the primary lens through which credit risk should be assessed here, and it sits within the bank's own risk-based capital framework as described in the most recent 10-K.
For the engine’s reasoning on FMBH’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| FMBH● | First Mid Bancshares, Inc. | 0 | 1 | 0 | 1 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.