First Bankers Trust Company, N.A.
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Data as of · sourced from FFIEC call reports. How we update
First Bankers Trust Company, N.A. is an FDIC-insured commercial bank headquartered in Quincy, IL, established in 1946 (FDIC certificate 16501), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.22B, up 0.4% from Q2 2025, the 47th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 16.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 16501
- Headquarters
- Quincy, IL
- Established
- 1946
- Total assets, Q2 2026
- $1.22B
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 16.13%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 081200586
- Latest call report
- Q2 2026, FFIEC 041 · First Bankers Trust Company, N.A. call report
- Holding company
- FIRST BANKERS TRUSTSHARES, INC.
- Asset rank in state
- 47th of 319 in Illinois
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 880 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 6.0%).
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. Profitability lags: it earns about $0.63 a year on every $100 of assets, about half the median of $1.29 for banks its size.
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 1.28% and a Texas ratio of 10.23%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, First Bankers Trust Company, N.A. is the 47th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $1.22B, loans fell 0.5% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 28.8% of total loans, ahead of farmland and other real estate loans at 16.9%. Its 9 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Quincy 4 offices book 66% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Bankers Trust Company, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 9 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Bankers Trust Company, N.A.'s total assets ran between $1.11B (Q1 2024) and $1.24B (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.22B total assets against $1.22B; $1.14B total liabilities against $1.14B.
$621.4M net loans and leases against $633.2M; $1.04B total deposits against $1.02B.
$442.4M securities against $414.6M; $95.6M cash and balances due against $108.2M.
$13.3M total interest income against $13.1M; $4.8M total interest expense against $5.6M.
$8.4M net interest income against $7.5M.
$3.1M total noninterest income against $2.0M; $8.9M total noninterest expense against $7.0M.
$222K provision for credit losses against $304K.
$1.9M net income against $1.7M.
0.63% return on assets against 0.55%; 2.91% net interest margin against 2.58%.
16.13% CET1 capital ratio against 15.11%; 10.00% tier 1 leverage ratio against 9.53%.
Inside the full First Bankers Trust Company, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Bankers Trust Company, N.A. rankings
Its closest position to the top of a national ranking is 618 of 3,640, for Texas Ratio; its furthest is 3,119 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 0.75% (Q3 2025) and its net interest margin ran from 2.33% (Q4 2024) to 2.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.13% | 0.63% | 1.28% | 10.23% | 2.91% |
| Q1 2026 | 15.93% | 0.73% | 1.36% | 11.83% | 2.86% |
| Q4 2025 | 15.41% | 0.58% | 0.95% | 9.35% | 2.81% |
| Q3 2025 | 15.08% | 0.75% | 0.87% | 9.19% | 2.69% |
| Q2 2025 | 15.11% | 0.55% | 1.62% | 12.48% | 2.58% |
| Q1 2025 | 15.26% | 0.61% | 1.71% | 13.12% | 2.44% |
| Q4 2024 | 15.23% | 0.62% | 1.63% | 13.16% | 2.33% |
| Q3 2024 | 14.81% | 0.45% | 1.66% | 12.63% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired First Midwest Bank/Hancock County, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | 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 |
| November 7, 1983 | M&A | Acquired Community National Bank of Quincy merger for the acquired bank | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in IL, rank 66 of 379 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Bankers Trust Company, N.A. headquartered?
It is headquartered in Quincy, IL, United States.
When was First Bankers Trust Company, N.A. founded?
It was established in 1946, per the FDIC institution directory.
Is First Bankers Trust Company, N.A. FDIC-insured?
Yes. It 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.
What is First Bankers Trust Company, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 10.23% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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