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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 0.68%, 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