| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 68,071 | 45,609 |
| Provision for credit losses | 7,572 | 4,219 |
| Depreciation, amortization and accretion, net | 14,858 | 9,864 |
| Change in cash surrender value of bank owned life insurance | 3,661 | 2,406 |
| Gain on death benefit paid from bank owned life insurance | 487 | 487 |
| Stock-based compensation expense | 1,996 | 1,359 |
| Operating lease payments | 2,483 | 1,639 |
| Loss on investment securities, net | -2,111 | -181 |
| Loss (gain) on sales and write-downs of other real estate owned, net | -238 | -88 |
| Loss (gain) on sale of premises and equipment | 1,260 | -79 |
| Gain on sale of loans held for sale, net | 2,785 | 1,676 |
| Loss (gain) on repayment of subordinated debentures | -289 | -289 |
| Gain on repayment of fhlb advances | 85 | 85 |
| Increase in accrued interest receivable | 2,996 | -638 |
| Increase in accrued interest payable | 2,840 | 1,635 |
| Origination of loans held for sale | 119,883 | 74,148 |
| Proceeds from sale of loans held for sale | 123,739 | 75,079 |
| Decrease in other assets | -1,665 | -2,232 |
| Decrease in other liabilities | -1,068 | -5,200 |
| Net cash provided by operating activities | 88,671 | 55,631 |
| Proceeds from maturities of certificates of deposit | 2,450 | 1,470 |
| Purchases of certificates of deposit | 0 | 0 |
| Proceeds from sales of securities available-for-sale | 42,094 | 8,291 |
| Proceeds from maturities of securities available-for-sale | 87,543 | 60,018 |
| Purchases of securities available-for-sale | 116,705 | 67,737 |
| Purchase of securities held-to-maturity | 56 | 38 |
| Net increase in loans | 157,373 | 97,005 |
| Purchases of premises and equipment | 4,814 | 3,713 |
| Proceeds from sale of premises and equipment | 7,871 | 3,718 |
| Proceeds from sales of other real property owned | 590 | 458 |
| Proceeds from bank owned life insurance death benefit | 1,414 | 1,414 |
| Net cash used in acquisition | -2,300 | - |
| Net cash provided by (used in) investing activities | -139,286 | -93,124 |
| Net increase (decrease) in deposits | 232,447 | 133,103 |
| Decrease in repurchase agreements | -3,616 | -10,181 |
| Proceeds from fhlb advances | 150,000 | 125,000 |
| Repayment of fhlb advances | 147,435 | 122,435 |
| Proceeds from short-term debt | 4,000 | 4,000 |
| Repayment of short-term debt | 4,000 | 4,000 |
| Repayment of subordinated debentures | 8,381 | 8,381 |
| Proceeds from issuance of common stock | 895 | 644 |
| Dividends paid on common stock | 17,424 | 11,456 |
| Net cash provided by (used in) financing activities | 206,486 | 106,294 |
| Increase in cash and cash equivalents | 155,871 | 68,801 |
| Cash and cash equivalents at beginning of period | 121,216 | - |
| Cash and cash equivalents at end of period | 277,087 | - |
FIRST MID BANCSHARES, INC. (FMBH)
FIRST MID BANCSHARES, INC. (FMBH)