First Bankers Trust Company, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Bankers Trust Company, N.A. of Quincy, IL against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.63% | 1.46% | -0.83% | 13th bottom |
| ROAE | 8.79% | 12.69% | -3.90% | 25th below |
| Net Interest Margin | 2.91% | 3.85% | -0.94% | 12th bottom |
| Efficiency Ratio | 76.63% | 57.39% | +19.24% | 10th bottom |
| PPNR / Avg Assets | 0.86% | 1.88% | -1.02% | 11th bottom |
| Yield on Earning Assets | 4.57% | 5.72% | -1.15% | 9th bottom |
| Cost of Funds | 1.75% | 2.02% | -0.27% | 66th above |
| Net Interest Spread | 2.64% | 3.18% | -0.54% | 26th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 1.00% | +0.29% | 24th bottom |
| NPA / Total Assets | 0.77% | 0.76% | +0.01% | 33rd below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.43% | -0.39% | 44th below |
| ACL / Total Loans | 1.13% | 1.31% | -0.18% | 47th below |
| ACL / NPLs (Coverage) | 88.02% | 564.59% | -476.57% | 24th bottom |
| Texas Ratio | 10.34% | 7.39% | +2.95% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 252.38% | 618.75% | -366.37% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.13% | 17.34% | -1.21% | 78th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.13% | 17.37% | -1.24% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.08% | 18.42% | -1.34% | 77th top |
| Leverage Ratio | 10.00% | 11.44% | -1.44% | 37th below |
| Equity / Assets | 7.15% | 11.34% | -4.19% | 4th bottom |
| TCE / Tangible Assets | 6.94% | 10.50% | -3.56% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.46% | 86.97% | -26.51% | 93rd top |
| Core Deposit Ratio | 93.84% | 85.55% | +8.29% | 78th top |
| Uninsured Deposit Ratio | 43.13% | 33.12% | +10.01% | 20th bottom |
| Wholesale Funding Ratio | 7.36% | 5.70% | +1.66% | 27th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.41% | 9.68% | -9.27% | 18th bottom |
| Loan Growth (Y/Y) | -2.09% | 8.06% | -10.15% | 10th bottom |
| Deposit Growth (Y/Y) | 1.98% | 7.88% | -5.90% | 29th below |
See First Bankers Trust Company, N.A.'s peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Bankers Trust Company, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Bankers Trust Company, N.A. profile, how to read a UBPR, or how this data updates.