First Bankers Trust Company, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Accumulated other comprehensive income, which fell 3.4% to -$36.3M. First Bankers Trust Company, N.A. ranks 82nd of 198 Illinois banks on CET1 ratio, in the upper half at 16.13% (Q2 2026). First Bankers Trust Company, N.A. reported 16.13% on CET1 ratio for Q2 2026, 2.65 points above the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.13% |
| Tier 1 risk-based capital ratio | 16.13% |
| Total risk-based capital ratio | 17.08% |
| Tier 1 leverage ratio | 10.00% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $121.1M |
| Tier 1 capital | $121.1M |
| Total risk-based capital | $128.2M |
| Total equity capital | $87.5M |
| Risk-weighted assets | $750.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.15% |
| Tangible equity to tangible assets | 6.94% |
| Equity capital to average assets | 7.21% |
| Internal capital growth rate | 4.45% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.7M |
| Common stock surplus | $26.1M |
| Retained earnings | $96.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$36.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.41% | 15.41% | 16.66% | 9.46% | $727.0M |
| Q4 2023 | 15.05% | 15.05% | 16.30% | 9.47% | $732.1M |
| Q1 2024 | 15.24% | 15.24% | 16.35% | 9.69% | $732.8M |
| Q2 2024 | 14.99% | 14.99% | 16.08% | 9.94% | $750.2M |
| Q3 2024 | 14.81% | 14.81% | 15.91% | 9.59% | $752.6M |
| Q4 2024 | 15.23% | 15.23% | 16.36% | 9.56% | $750.5M |
| Q1 2025 | 15.26% | 15.26% | 16.39% | 9.55% | $751.0M |
| Q2 2025 | 15.11% | 15.11% | 16.25% | 9.53% | $761.1M |
| Q3 2025 | 15.08% | 15.08% | 15.97% | 9.34% | $772.0M |
| Q4 2025 | 15.41% | 15.41% | 16.30% | 9.46% | $770.5M |
| Q1 2026 | 15.93% | 15.93% | 16.86% | 9.74% | $753.9M |
| Q2 2026 | 16.13% | 16.13% | 17.08% | 10.00% | $750.8M |
First Bankers Trust Company, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bankers Trust Company, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Bankers Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16501) · FFIEC NIC profile (RSSD 344647)