First Bankers Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 1.24 percentage points in Q2 2026, from 11.58% to 12.82%. It was the largest change from Q1 2026 among the key lines here. First Bankers Trust Company, N.A. ranks 245th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 60.46% (Q2 2026). First Bankers Trust Company, N.A. reported 60.46% on loan-to-deposit ratio for Q2 2026, 27.74 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $628.5M |
| Net loans and leases | $621.4M |
| Loans held for sale | $0 |
| Loans to total assets | 51.35% |
| Loan-to-deposit ratio | 60.46% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.04% |
| Multifamily (5+ residential) | 8.30% |
| Commercial and industrial | 10.56% |
| Consumer | 6.16% |
| Credit cards | 0.00% |
| Farm | 16.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.76% |
| Construction concentration (Tier 1 capital + allowance) | 12.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $9.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $590.9M | $945.0M | 37.50% | 9.09% | 8.05% |
| Q4 2023 | $598.8M | $977.8M | 39.94% | 8.76% | 7.79% |
| Q1 2024 | $606.5M | $965.1M | 38.78% | 8.62% | 7.61% |
| Q2 2024 | $626.8M | $964.8M | 37.63% | 10.44% | 7.33% |
| Q3 2024 | $630.0M | $973.7M | 39.14% | 10.32% | 7.24% |
| Q4 2024 | $629.6M | $999.7M | 37.94% | 10.85% | 7.20% |
| Q1 2025 | $630.5M | $1.01B | 38.07% | 10.56% | 7.27% |
| Q2 2025 | $641.9M | $1.02B | 39.46% | 10.36% | 7.00% |
| Q3 2025 | $654.4M | $1.03B | 37.99% | 10.41% | 6.64% |
| Q4 2025 | $649.7M | $1.04B | 37.68% | 9.81% | 6.41% |
| Q1 2026 | $631.8M | $1.04B | 37.96% | 9.48% | 6.25% |
| Q2 2026 | $628.5M | $1.04B | 38.04% | 10.56% | 6.16% |
First Bankers Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bankers Trust Company, N.A., freeSource: Call Report Schedule RC-C, 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)