For the quarter ending 2026-03-31, FMBH had $222,112K increase in cash & cash equivalents over the period. $23,117K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 26,327 | 23,678 | 22,462 | 45,609 |
| Provision for credit losses | 2,598 | 2,349 | 3,353 | 4,219 |
| Depreciation, amortization and accretion, net | 5,356 | 4,913 | 4,994 | 9,864 |
| Gain on repayment of fhlb advances | - | - | 0 | 85 |
| Change in cash surrender value of bank owned life insurance | 1,340 | 1,327 | 1,255 | 2,406 |
| Gain on death benefit paid from bank owned life insurance | - | - | 0 | 487 |
| Gain on cash surrender value of bank owned life insurance | 0 | 487 | - | - |
| Stock-based compensation expense | 865 | 647 | 637 | 1,359 |
| Operating lease payments | 852 | 826 | 844 | 1,639 |
| Loss (gain) on sale of investment securities, net | 20 | -398 | -1,930 | -181 |
| Loss on sales and write-downs of other real estate owned, net | -52 | -87 | -150 | -88 |
| Loss on sale of premises and equipment | -6 | 630 | 1,339 | -79 |
| Gain on sale of loans held for sale, net | 927 | 1,177 | 1,109 | 1,676 |
| Loss on repayment of subordinated debt | 0 | -300 | 0 | -289 |
| Gain on repayment of other borrowings | 0 | 85 | - | - |
| Deferred income taxes | - | -2,338 | - | - |
| Decrease (increase) in accrued interest receivable | 2,396 | -1,686 | 3,634 | -638 |
| Decrease (increase) in accrued interest payable | 31 | -577 | 1,205 | 1,635 |
| Origination of loans held for sale | 34,261 | 46,296 | 45,735 | 74,148 |
| Proceeds from sale of loans held for sale | 33,924 | 47,813 | 48,660 | 75,079 |
| Decrease in other assets | 2,245 | -8,901 | 567 | -2,232 |
| Decrease in other liabilities | -2,041 | 4,602 | 4,132 | -5,200 |
| Net cash provided by operating activities | 25,077 | 42,203 | 33,040 | 55,631 |
| Proceeds from maturities of certificates of deposits | 840 | 210 | 980 | 1,470 |
| Purchases of certificates of deposits | -2,160 | -900 | 0 | 0 |
| Proceeds from sales of investment securities available-for-sale | 167,803 | 9,600 | 33,803 | 8,291 |
| Proceeds from maturities of investment securities available-for-sale | 24,027 | 30,074 | 27,525 | 60,018 |
| Proceeds from maturities of investment securities held-to-maturity | - | 0 | - | - |
| Purchases of investment securities available-for-sale | 131,846 | 15,360 | 48,968 | 67,737 |
| Purchase of investment securities held-to-maturity | 3 | 8 | 18 | 38 |
| Net increase in loans | 63,743 | 188,337 | 60,368 | 97,005 |
| Purchases of premises and equipment | 1,960 | 2,032 | 1,101 | 3,713 |
| Proceeds from sale of premises and equipment | 20 | 3,308 | 4,153 | 3,718 |
| Proceeds from sales of other real property owned, net | 270 | 221 | 132 | 458 |
| Proceeds from bank owned life insurance death benefit | 0 | 0 | 0 | 1,414 |
| Purchase of other investments | 1,984 | - | - | - |
| Net cash provided by acquisition | 88,269 | -115 | -2,300 | - |
| Net cash provided by investing activities | 79,533 | -163,339 | -46,162 | -93,124 |
| Net increase in deposits | 111,573 | 105,730 | 99,344 | 133,103 |
| Proceeds from fhlb advances | - | - | 25,000 | 125,000 |
| Repayment of fhlb advances | - | - | 25,000 | 122,435 |
| Increase in repurchase agreements with customers | 12,095 | -3,790 | 6,565 | -10,181 |
| Proceeds from other borrowings | 0 | 200,000 | - | - |
| Repayment of other borrowings | 206 | 172,435 | - | - |
| Proceeds from short-term debt | - | 0 | 0 | 4,000 |
| Repayment of short-term debt | - | 0 | 0 | 4,000 |
| Repayment of subordinated debt | 0 | 21,501 | 0 | 8,381 |
| Proceeds from issuance of common stock | 524 | 225 | 251 | 644 |
| Purchase of treasury stock | 500 | 724 | - | - |
| Dividends paid on common stock | 5,984 | 5,971 | 5,968 | 11,456 |
| Net cash provided by financing activities | 117,502 | 98,969 | 100,192 | 106,294 |
| Increase in cash and cash equivalents | 222,112 | -22,167 | 87,070 | 68,801 |
| Cash and cash equivalents at beginning of period | 254,920 | 277,087 | 121,216 | - |
| Cash and cash equivalents at end of period | 477,032 | 254,920 | 277,087 | - |
FIRST MID BANCSHARES, INC. (FMBH)
FIRST MID BANCSHARES, INC. (FMBH)