First Bankers Trust Company, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 72.0% lower than in Q1 2026, at $363K. Within Illinois, First Bankers Trust Company, N.A. is 245th of 323 on loan-to-deposit ratio, 60.46% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bankers Trust Company, N.A. sits 27.74 points lower, at 60.46% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $95.6M |
| Cash and noninterest-bearing balances to assets | 7.78% |
| Cash and securities | $538.0M |
| Fed funds sold and reverse repos | $363K |
| Fed funds sold and reverse repos to assets | 0.03% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $65.1M |
| Other borrowed money | $25.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.04% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.46% |
| Net loans and leases to deposits | 59.78% |
| Loans and leases to core deposits | 64.43% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 62.53% | 89.44% | $112.9M | $30.0M |
| Q4 2023 | 61.25% | 91.79% | $64.9M | $30.0M |
| Q1 2024 | 62.84% | 92.16% | $43.1M | $30.0M |
| Q2 2024 | 64.96% | 93.49% | $60.3M | $30.0M |
| Q3 2024 | 64.70% | 89.19% | $92.6M | $30.0M |
| Q4 2024 | 62.98% | 93.87% | $69.2M | $30.0M |
| Q1 2025 | 62.36% | 89.64% | $66.8M | $30.0M |
| Q2 2025 | 62.98% | 90.10% | $73.0M | $30.0M |
| Q3 2025 | 63.29% | 89.56% | $86.5M | $30.0M |
| Q4 2025 | 62.52% | 94.03% | $68.5M | $25.0M |
| Q1 2026 | 60.86% | 93.68% | $79.9M | $25.0M |
| Q2 2026 | 60.46% | 93.84% | $65.1M | $25.0M |
First Bankers Trust Company, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bankers Trust Company, N.A., freeSource: Call Report Schedules RC and RC-M, 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)