First Bankers Trust Company, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Bankers Trust Company, N.A. spends more to run itself than most banks of its size. Based in Quincy, Illinois, it had $1.2 billion in assets at June 30, 2026. It spends about 77 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). It also shrank its loan book 2.1% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $35 million equal 29% of Tier 1 capital, down from 39% a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.28% of loans, down from 1.62% a year earlier. Its margin is thin by comparison: it keeps 2.91 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, First Bankers Trust Company, N.A. reported a CET1 capital ratio of 16.13%, a return on assets of 0.63%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 10.23%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1201 Broadway St, Quincy, IL 62301
- County
- Adams
- Metro Area
- Quincy, IL-MO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 23, 1946
- Former names
- Bankers Trust Company, National Association (1999); First Midwest Bank/M.C., National Association (1988-1989); First Midwest Bank/Quincy, National Association (1986-1988)
- Offices
- 9 domestic
- Employees (FTE)
- 172
- Domestic deposits
- $1.04B
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- $147K
- Average total assets
- $1.21B
- Average total loans
- $627.5M
- Average interest-bearing deposits
- $885.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 23, 1946
- FDIC Cert
- 16501
- Fed RSSD
- 344647
- SEC CIK
- 844419 → filed by FIRST BANKERS TRUSTSHARES, INC.
- Website
- www.firstbankers.com →
- Parent Holding Company
- FIRST BANKERS TRUSTSHARES, INC. (RSSD 1404632)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Bankers Trust Company, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Bankers Trust Company, N.A., freeFirst Bankers Trust Company, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Bankers Trust Company, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.13% | 0.63% | 1.29% | 10.23% | 2.91% |
| Q1 2026 | 15.93% | 0.73% | 1.38% | 11.83% | 2.86% |
| Q4 2025 | 15.41% | 0.58% | 0.96% | 9.35% | 2.81% |
| Q3 2025 | 15.08% | 0.75% | 0.82% | 9.19% | 2.69% |
| Q2 2025 | 15.11% | 0.55% | 1.63% | 12.48% | 2.58% |
| Q1 2025 | 15.26% | 0.61% | 1.72% | 13.12% | 2.44% |
| Q4 2024 | 15.23% | 0.62% | 1.64% | 13.16% | 2.33% |
| Q3 2024 | 14.81% | 0.45% | 1.64% | 12.63% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Bankers Trust Company, N.A. (main office) | Quincy , IL | 62301 | $482.3M |
| Springfield Branch | Springfield , IL | 62704 | $108.6M |
| Community Facility | Quincy , IL | 62301 | $98.2M |
| Union BankWest Branch | Macomb , IL | 61455 | $95.3M |
| Mendon Branch | Mendon , IL | 62351 | $56.3M |
| 24th and Kochs Lane Facility | Quincy , IL | 62305 | $55.1M |
| State at 24th Street Facility | Quincy , IL | 62301 | $53.1M |
| 1395 Buchanan Street Branch | Carthage , IL | 62321 | $49.7M |
| Rushville Branch | Rushville , IL | 62681 | $40.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 1988 | M&A | Acquired First Midwest Bank/Hancock County, National Association merger for the acquired bank | SEC |
| January 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1988 | Structure Change | Acquired First Midwest Bank/Hancock County, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 1986 | M&A | Acquired Mendon State Bank failure_government_assistance_provided for the acquired bank | SEC |
| August 21, 1986 | Structure Change | Acquired Mendon State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 20, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 1983 | M&A | Acquired Community National Bank of Quincy merger for the acquired bank | SEC |
| November 7, 1983 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 7, 1983 | Structure Change | Acquired Community National Bank of Quincy Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for First Bankers Trust Company, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in IL, rank 66 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 170 applications, 138 loans originated, $49.5M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Bankers Trust Company, N.A.
What are First Bankers Trust Company, N.A.'s total assets?
As of the Q2 2026 filing, First Bankers Trust Company, N.A. reported total assets of $1.22 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Bankers Trust Company, N.A. headquartered?
First Bankers Trust Company, N.A. is headquartered in Quincy, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Bankers Trust Company, N.A. founded?
First Bankers Trust Company, N.A. was established in 1946, per the FDIC institution directory.
Is First Bankers Trust Company, N.A. FDIC-insured?
Yes. First Bankers Trust Company, N.A. is an FDIC-insured commercial bank (FDIC Certificate #16501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Bankers Trust Company, N.A.?
First Bankers Trust Company, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Bankers Trust Company, N.A.'s CET1 capital ratio?
First Bankers Trust Company, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 16.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Bankers Trust Company, N.A. operate?
First Bankers Trust Company, N.A. operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Bankers Trust Company, N.A.'s Texas Ratio?
First Bankers Trust Company, N.A.'s Texas Ratio is 10.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Bankers Trust Company, N.A. previously called?
The charter now named First Bankers Trust Company, N.A. has also operated as Bankers Trust Company, National Association (1999), First Midwest Bank/M.C., National Association (1988-1989), First Midwest Bank/Quincy, National Association (1986-1988), per FDIC structure-change records.
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