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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=257 to 258). 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

29

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

15

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 $39.5MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $909.0M13%Noninterest $130.4MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.45%0.62%0.58%0.64%0.63%0.73%0.68%+10 bps
Return on Equity6.43%7.42%9.88%9.27%10.05%9.68%10.35%9.58%+31 bps
Net Interest Margin2.13%2.13%2.34%2.40%2.42%2.47%2.74%2.79%+38 bps
Efficiency Ratio74.80%73.45%72.82%73.43%72.09%73.77%72.04%74.79%+136 bps
Non-Interest Burden1.39%1.36%1.53%1.59%1.55%1.63%1.76%1.85%+26 bps
Growth
Asset Growth (YoY)2.65%2.66%7.54%7.94%4.90%4.42%3.74%0.41%-753 bps
Loan Growth (YoY)6.61%5.13%3.95%2.41%3.88%3.19%0.21%-2.09%-451 bps
Deposit Growth (YoY)3.04%2.25%4.74%5.64%6.20%3.95%2.68%1.98%-367 bps
Asset Quality
Nonperforming Loans / Loans1.66%1.63%1.71%1.62%0.87%0.95%1.36%1.28%-34 bps
Net Charge-Offs / Loans0.75%0.57%0.01%0.04%0.42%0.34%0.05%0.05%+1 bps
Allowance / Loans1.33%1.34%1.35%1.36%1.05%1.06%1.10%1.13%-23 bps
Allowance Coverage of NPLs0.8x0.8x0.8x0.8x1.2x1.1x0.8x0.9x0.0x
Capital
Tier 1 Leverage Ratio9.59%9.56%9.55%9.53%9.34%9.46%9.74%10.00%+47 bps
Total Risk-Based Capital15.91%16.36%16.39%16.25%15.97%16.30%16.86%17.08%+82 bps
Equity / Assets6.49%6.11%6.42%6.33%6.77%7.02%7.09%7.15%+82 bps
Liquidity & Funding
Loans / Deposits64.70%62.98%62.36%62.98%63.29%62.52%60.86%60.46%-251 bps
Liquid Assets / Assets15.84%15.81%16.56%17.33%17.68%16.72%18.11%16.94%-38 bps
CRE / Total Capitaln/an/an/an/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=257-258) · 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 81% of banks $1B-$10B in assets operating in a single state (rank 49 of 258).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets operating in a single state (rank 246 of 258).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.68%

Rank 228 of 258

Net Interest Margin

2.79%

Rank 228 of 258

Efficiency Ratio

74.79%

Rank 220 of 257

Equity / Assets

7.15%

Rank 246 of 258

Non-interest income vs. expense

$10.9M$33.4MINCOMEEXPENSE
Unfavorable gap of $22.5M · efficiency ratio beats 15% of banks $1B-$10B in assets operating in a single state
Bank 74.79%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.68%0.93%1.23%1.54%Beats 12%228 / 258
Return on Equity9.55%9.26%11.84%14.74%Beats 28%185 / 258
Net Interest Margin2.79%3.16%3.49%3.88%Beats 12%228 / 258
Efficiency Ratio74.79%51.71%60.30%69.65%Beats 15%220 / 257
Asset Quality
Nonperforming Loans / Loans1.28%0.19%0.46%0.90%Beats 17%214 / 258
Net Charge-Offs / Loans0.03%0.01%0.02%0.07%Beats 41%153 / 258
Capital
Tier 1 Capital Ratio16.13%11.41%12.98%15.12%Beats 81%49 / 258
Total Risk-Based Capital Ratio17.08%12.10%13.91%16.08%Beats 81%50 / 258
Equity / Assets7.15%9.09%10.24%11.72%Beats 5%246 / 258
Liquidity & Funding
Loans / Deposits60.46%73.24%86.34%95.95%7th pctl239 / 258
Loans / Assets51.35%63.01%72.27%78.40%7th pctl241 / 258
Brokered Deposits / Depositsn/aNot reported for this institution