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First Bankers Trust Company, National Association

Quincy, IL · Cert 16501 · First Bankers Trustshares Inc.

National charter · OCC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=268 to 269). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

14

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Bankers Trust Company, National Association

Quincy, IL · Cert 16501 · First Bankers Trustshares Inc.

National charter · OCC · 9 branches

Q2 2026

$1.2BAssets
$628.5MLoans
$1.0BDeposits
$87.5MEquity
Loan mix
83%RE $491.8M10%C&I $59.9M7%Consumer $39.5MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $909.0M13%Noninterest $130.4MQ2 2025Q2 2026

NIM

4.02%Q2 ’244.23%Q2 ’254.40%Q2 ’26+13%+16%

Non-interest income vs. expense

2.20%Q2 ’242.23%Q2 ’252.75%Q2 ’26+22%+17%

Market Position · Springfield, IL · 2026 SOD (annual) · 1.1% share · #17 of 26 inst. · $0.1B of $9.8B

32.7% Adams
1.1% Sangamon
10.6% McDonough
6.5% Hancock

Executive Summary

  • Earnings: ROA of 0.68%, up 10 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 1.28% of loans (-34 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 10.00%, up 47 bps from a year ago.
  • Funding: loans stand at 60.46% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.68%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.79%+38 bps YoY

Efficiency Ratio (YTD, annualized)

74.79%+136 bps YoY

Tier 1 Leverage Ratio

10.00%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.64%0.63%0.73%0.68%+10 bps
Return on Equity9.27%10.05%9.68%10.35%9.58%+31 bps
Net Interest Margin2.40%2.42%2.47%2.74%2.79%+38 bps
Efficiency Ratio73.43%72.09%73.77%72.04%74.79%+136 bps
Non-Interest Burden1.59%1.55%1.63%1.76%1.85%+26 bps
Growth
Asset Growth (YoY)7.94%4.90%4.42%3.74%0.41%-753 bps
Loan Growth (YoY)2.41%3.88%3.19%0.21%-2.09%-451 bps
Deposit Growth (YoY)5.64%6.20%3.95%2.68%1.98%-367 bps
Asset Quality
Nonperforming Loans / Loans1.62%0.87%0.95%1.36%1.28%-34 bps
Net Charge-Offs / Loans0.04%0.42%0.34%0.05%0.05%+1 bps
Allowance / Loans1.36%1.05%1.06%1.10%1.13%-23 bps
Allowance Coverage of NPLs0.8x1.2x1.1x0.8x0.9x0.0x
Capital
Tier 1 Leverage Ratio9.53%9.34%9.46%9.74%10.00%+47 bps
Total Risk-Based Capital16.25%15.97%16.30%16.86%17.08%+82 bps
Equity / Assets6.33%6.77%7.02%7.09%7.15%+82 bps
Liquidity & Funding
Loans / Deposits62.98%63.29%62.52%60.86%60.46%-251 bps
Liquid Assets / Assets17.33%17.68%16.72%18.11%16.94%-38 bps
CRE / Total Capitaln/a272%266%254%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Bankers Trust Company, National Association

Quincy, IL · Cert 16501 · Peer group: banks $1B-$10B in assets operating in a single state (n=268-269) · First Bankers Trustshares Inc.

National charter · OCC · 9 branches

Q2 2026

$1.2BAssets
$628.5MLoans
$1.0BDeposits
$87.5MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 80% of banks $1B-$10B in assets operating in a single state (rank 54 of 269).
  • Widest gap: equity / assets trails 96% of banks $1B-$10B in assets operating in a single state (rank 258 of 269).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.68%

Rank 239 of 269

Net Interest Margin

2.79%

Rank 235 of 269

Efficiency Ratio

74.79%

Rank 231 of 268

Equity / Assets

7.15%

Rank 258 of 269

Non-interest income vs. expense

$10.9M$33.4MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 14% of banks $1B-$10B in assets operating in a single state
Bank 74.79%Peer median 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.93%1.23%1.54%Beats 11%239 / 269
Return on Equity9.55%9.13%11.77%14.52%Beats 29%191 / 269
Net Interest Margin2.79%3.16%3.50%3.88%Beats 13%235 / 269
Efficiency Ratio74.79%51.70%60.21%69.66%Beats 14%231 / 268
Asset Quality
Nonperforming Loans / Loans1.28%0.19%0.45%0.89%Beats 16%226 / 269
Net Charge-Offs / Loans0.03%0.01%0.02%0.06%Beats 39%166 / 269
Capital
Tier 1 Capital Ratio16.13%11.29%13.10%15.21%Beats 80%54 / 269
Total Risk-Based Capital Ratio17.08%12.04%13.91%16.33%Beats 79%57 / 269
Equity / Assets7.15%9.18%10.29%11.76%Beats 4%258 / 269
Liquidity & Funding
Loans / Deposits60.46%72.68%86.29%95.72%7th pctl249 / 269
Loans / Assets51.35%62.46%72.27%78.37%7th pctl250 / 269
Brokered Deposits / Depositsn/aNot reported for this institution