First Mid Illinois Bancshares Inc - Asset Resilience Ratio

Latest as of March 2026: 12.77%

First Mid Illinois Bancshares Inc (FMBH) has an Asset Resilience Ratio of 12.77% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See how liquid is First Mid Illinois Bancshares Inc's working capital to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$1.19 Billion

Cash + Short-term Investments

Total Assets

$9.29 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2009–2025)

This chart shows how First Mid Illinois Bancshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see First Mid Illinois Bancshares Inc (FMBH) total assets.

Liquid Assets Composition Over Time

This chart breaks down First Mid Illinois Bancshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of First Mid Illinois Bancshares Inc to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.19 Billion	12.77%
Total Liquid Assets	$1.19 Billion	12.77%

Asset Resilience Insights

Moderate Liquidity: First Mid Illinois Bancshares Inc has 12.77% of assets in liquid form.
While adequate for normal operations, this level may limit flexibility during economic stress.
The company has significant short-term investments, indicating active treasury management.

First Mid Illinois Bancshares Inc Industry Peers by Asset Resilience Ratio

Compare First Mid Illinois Bancshares Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for First Mid Illinois Bancshares Inc (2009–2025)

The table below shows the annual Asset Resilience Ratio data for First Mid Illinois Bancshares Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	10.40%	$828.47 Million	$7.97 Billion	-3.74pp
2024-12-31	14.14%	$1.06 Billion	$7.52 Billion	-1.30pp
2023-12-31	15.44%	$1.17 Billion	$7.59 Billion	-2.63pp
2022-12-31	18.07%	$1.22 Billion	$6.74 Billion	-5.67pp
2021-12-31	23.74%	$1.42 Billion	$5.99 Billion	+5.14pp
2020-12-31	18.60%	$879.24 Million	$4.73 Billion	-0.95pp
2019-12-31	19.55%	$750.56 Million	$3.84 Billion	+0.48pp
2018-12-31	19.07%	$732.27 Million	$3.84 Billion	-1.29pp
2017-12-31	20.36%	$578.58 Million	$2.84 Billion	-1.13pp
2016-12-31	21.49%	$619.85 Million	$2.88 Billion	-3.05pp
2015-12-31	24.54%	$518.85 Million	$2.11 Billion	+1.03pp
2014-12-31	23.51%	$377.86 Million	$1.61 Billion	-6.93pp
2013-12-31	30.44%	$488.72 Million	$1.61 Billion	-1.77pp
2012-12-31	32.21%	$508.31 Million	$1.58 Billion	+0.30pp
2011-12-31	31.91%	$478.92 Million	$1.50 Billion	+16.89pp
2010-12-31	15.02%	$220.49 Million	$1.47 Billion	+7.76pp
2009-12-31	7.26%	$79.51 Million	$1.10 Billion	--

pp = percentage points

About First Mid Illinois Bancshares Inc

NASDAQ:FMBH USA Banks - Regional

Market Cap

$1.34 Billion

Market Cap Rank

#8231 Global

#2416 in USA

Share Price

$50.18

Change (1 day)

-1.72%

52-Week Range

$34.98 - $52.58

All Time High

$52.58