PackageTrendsPeer
Letter portraitLegal landscape

First Bankers Trust Company, National Association

Quincy, IL · Cert 16501 · Peer group: banks $1B-$10B in assets operating in a single state (n=266-267) · 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 53 of 267).
  • Widest gap: equity / assets trails 96% of banks $1B-$10B in assets operating in a single state (rank 256 of 267).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.68%

Rank 236 of 267

Net Interest Margin

2.79%

Rank 234 of 267

Efficiency Ratio

74.79%

Rank 228 of 266

Equity / Assets

7.15%

Rank 256 of 267

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 60.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.68%0.93%1.23%1.55%Beats 12%236 / 267
Return on Equity9.55%9.16%11.84%14.56%Beats 28%192 / 267
Net Interest Margin2.79%3.12%3.50%3.88%Beats 12%234 / 267
Efficiency Ratio74.79%51.36%60.21%69.66%Beats 15%228 / 266
Asset Quality
Nonperforming Loans / Loans1.28%0.19%0.46%0.89%Beats 16%225 / 267
Net Charge-Offs / Loans0.03%0.01%0.02%0.06%Beats 39%163 / 267
Capital
Tier 1 Capital Ratio16.13%11.29%13.05%15.13%Beats 80%53 / 267
Total Risk-Based Capital Ratio17.08%11.95%13.87%16.27%Beats 79%56 / 267
Equity / Assets7.15%9.18%10.29%11.76%Beats 4%256 / 267
Liquidity & Funding
Loans / Deposits60.46%72.68%86.16%95.22%7th pctl247 / 267
Loans / Assets51.35%62.46%71.96%78.38%7th pctl248 / 267
Brokered Deposits / Depositsn/aNot reported for this institution