First Bankers Trust Company, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.89 percentage points higher than in Q1 2026, at 88.02%. Within Illinois, First Bankers Trust Company, N.A. is 261st of 323 on return on assets, 0.63% as of Q2 2026, below the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, First Bankers Trust Company, N.A. reported 0.63% on return on assets in Q2 2026, 0.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.13% |
| Tier 1 risk-based capital ratio | 16.13% |
| Total risk-based capital ratio | 17.08% |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 7.15% |
| Tangible equity to tangible assets | 6.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 10.34% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 88.02% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 8.79% |
| Net interest margin | 2.91% |
| Efficiency ratio | 76.63% |
| Yield on earning assets | 4.57% |
| Cost of funds | 1.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.46% |
| Core deposits to total deposits | 93.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.93% |
| Securities to assets | 36.15% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.41% | 15.41% | 16.66% | 9.46% | 0.65% |
| Q4 2023 | 15.05% | 15.05% | 16.30% | 9.47% | 0.48% |
| Q1 2024 | 15.24% | 15.24% | 16.35% | 9.69% | 0.30% |
| Q2 2024 | 14.99% | 14.99% | 16.08% | 9.94% | 0.42% |
| Q3 2024 | 14.81% | 14.81% | 15.91% | 9.59% | 0.45% |
| Q4 2024 | 15.23% | 15.23% | 16.36% | 9.56% | 0.62% |
| Q1 2025 | 15.26% | 15.26% | 16.39% | 9.55% | 0.61% |
| Q2 2025 | 15.11% | 15.11% | 16.25% | 9.53% | 0.55% |
| Q3 2025 | 15.08% | 15.08% | 15.97% | 9.34% | 0.75% |
| Q4 2025 | 15.41% | 15.41% | 16.30% | 9.46% | 0.58% |
| Q1 2026 | 15.93% | 15.93% | 16.86% | 9.74% | 0.73% |
| Q2 2026 | 16.13% | 16.13% | 17.08% | 10.00% | 0.63% |
First Bankers Trust Company, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bankers Trust Company, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)