---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-26-004658"
form_type: "8-K"
ticker: "FMBH"
cik: "0000700565"
company_name: "FIRST MID BANCSHARES, INC."
filed_at: "2026-07-15T13:00:31+00:00"
generated_at: "2026-07-15T13:01:05.509888+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# First Mid Bancshares enters $19.7M promissory note at 6.125% to refinance prior debt

## Summary
- Principal $19,709,626.03; fixed rate 6.125%; 38 monthly payments of $161,204.52.
- Balloon payment of ~$17.3M due September 28, 2029.
- Refinances prior note dated September 28, 2022; secured by negative pledge on 100% of First Mid Bank & Trust stock.
- No prepayment penalty; lender is Bankers' Bank.
- Note issued under existing Business Loan Agreement previously disclosed.

## SEC filing metadata
- accession: 0001171843-26-004658
- form_type: 8-K
- ticker: FMBH
- cik: 0000700565
- company_name: FIRST MID BANCSHARES, INC.
- filed_at: 2026-07-15T13:00:31+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/700565/000117184326004658/0001171843-26-004658-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/700565/000117184326004658/f8k_071526.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-26-004658
- JSON: https://secwatch.observer/filing/0001171843-26-004658.json
- Plain text: https://secwatch.observer/filing/0001171843-26-004658.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.