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Letter portraitLegal landscapeQuarterYTD

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 0.63%, up 8 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 0.04%.
  • 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 (quarter, annualized)

0.63%+8 bps YoY

Net Interest Margin (quarter, annualized)

2.79%+30 bps YoY

Efficiency Ratio (quarter, annualized)

77.39%+337 bps YoY

Tier 1 Leverage Ratio

10.00%+47 bps YoY

NIM

4.07%Q2 ’244.33%Q2 ’254.37%Q2 ’26+16%+12%

Non-interest income vs. expense

2.25%Q2 ’242.31%Q2 ’252.93%Q2 ’26+5%+15%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.62%0.62%0.55%0.76%0.59%0.73%0.63%+8 bps
Return on Equity7.16%9.91%9.88%8.60%11.67%8.60%10.35%8.79%+19 bps
Net Interest Margin2.28%2.30%2.34%2.48%2.59%2.69%2.74%2.79%+30 bps
Efficiency Ratio78.54%69.58%72.82%74.02%69.72%78.14%72.04%77.39%+337 bps
Non-Interest Burden1.64%1.38%1.53%1.67%1.58%1.91%1.76%1.92%+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 / Loans0.05%0.02%0.01%0.06%1.18%0.12%0.05%0.04%-2 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