重大事件
即時報告
8-K
2026-07-15
第一中期BNCSHR簽訂1970萬美元期票 固定年利率6.125% 尾款約1731萬美元
AI 繁中摘要
First Mid Bancshares, Inc.（納斯達克代號：FMBH）於7月15日提交8-K申報文件，披露公司於7月10日與Bankers’ Bank簽訂本金為19,709,626.03美元的期票（Promissory Note）。該票據根據公司先前已披露的業務貸款協議發行，固定年利率6.125%，按365/360方式計算。還款安排為：自2026年7月28日起，分38期每月支付161,204.52美元，最後於2029年9月28日支付一筆估計約17,313,274.55美元的尾款（balloon payment），屆時所有未償本金及應計利息將全數到期。期票允許隨時全額或部分提前還款，無需罰息。
該票據用於再融資（refinance）一筆2022年9月28日簽訂的先前票據，但並未清償或解除該舊有債務。為擔保此項貸款，公司與Bankers’ Bank簽訂了負面承諾及負面轉讓協議（Negative Pledge and Negative Assignment Agreement），涵蓋公司全資銀行子公司First Mid Bank & Trust, National Association 100%已發行及流通股本。
此項交易為公司常規融資活動，不影響日常營運，但增加了長期負債。投資者應注意利率固定且尾款金額較大，公司需確保到期時有足夠流動性。此外，以銀行子公司股權作負面抵押，限制了該子公司的部分融資靈活性。整體而言，此舉反映公司正管理債務到期結構，未有重大不利影響。
展開英文正文
false 0000700565 0000700565 2026-07-15 2026-07-15 iso4217:USD xbrli:shares iso4217:USD xbrli:shares UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): July 15, 2026 FIRST MID BANCSHARES, INC. (Exact Name of Registrant as Specified in its Charter) Delaware 0-13368 37-1103704 (State or Other Jurisdiction (Commission File Number) (IRS Employer of Incorporation) Identification No.) 1421 CHARLESTON AVENUE MATTOON, IL 61938 (Address of Principal Executive Offices) (Zip Code) (217) 234-7454 (Registrant’s Telephone Number, including Area Code) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR 240.13e-4(c)) Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b–2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐ Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock FMBH Nasdaq Global Market Item 1.01 Entry into a Material Definitive Agreement. On July 10, 2026, First Mid Bancshares, Inc. (the “Company”) executed a Promissory Note with Bankers’ Bank (the “Lender”), in the original principal amount of $19,709,626.03 (the “Note”). The Note was issued pursuant to the Company’s existing Business Loan Agreement with the Lender, which was previously disclosed in the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on April 15, 2026. The Note bears interest at a fixed rate of 6.125% per annum, calculated on a 365/360 basis. The Company is required to make 38 regular monthly payments of $161,204.52, beginning July 28, 2026, followed by an estimated final balloon payment of $17,313,274.55 due on September 28, 2029, at which time all unpaid principal and accrued interest will be due and payable. The Note may be prepaid in whole or in part without penalty. The Note refinances, and does not satisfy or discharge, a prior note dated September 28, 2022, which the Company assumed and which was previously disclosed in the Company’s Current Report on Form 8-K filed with the Securities and Exchange Commission on March 2, 2026. The Note is secured by a Negative Pledge and Negative Assignment Agreement, dated July 10, 2026, between the Company and Lender, with respect to 100% of the issued and outstanding capital stock of First Mid Bank & Trust, National Association, the Company’s wholly owned bank subsidiary. The foregoing description of the Note does not purport to be complete and is qualified in its entirety by reference to the full text of the Note, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and incorporated herein by reference. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03. Item 9.01 Financial Statements and Exhibits. (d) Exhibits. Exhibit No. Description 10.1 Promissory Note, dated July 10, 2026, by and between First Mid Bancshares, Inc. and Bankers’ Bank. 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized. FIRST MID BANCSHARES, INC. Dated: July 15, 2026 By: /s/ Matthew K. Smith Matthew K. Smith President and Chief Executive Officer