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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 75thStandingRankPeer 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