BlastPoint's Banking Scorecard
First Bankers Trust Company, National Association
Designations: ✓ Community bank
Quincy, IL
9 branches across IL
First Bankers Trust Company, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.02% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Net Interest Margin 0.90% below tier average
- - Efficiency Ratio 10.98% above tier average
- - Delinquency Rate 0.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.7% YoY
+0.6% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$624.8M
+0.5% YoY
-2.8% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.4% in tier |
| Total Deposits ? |
$1.0B
+2.7% YoY
-0.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
0.73%
+17.9% YoY
+15.3% QoQ
|
-0.64% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
2.92%
+15.3% YoY
+6.9% QoQ
|
-0.90% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio ? |
72.04%
-1.1% YoY
-2.4% QoQ
|
+10.98% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.38%
-20.8% YoY
+43.0% QoQ
|
+0.49% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
60.19%
-2.2% YoY
-2.7% QoQ
|
-24.02% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.58%
-8.1% YoY
-11.1% QoQ
|
-7.71% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.88%
-3.0% YoY
+27.7% QoQ
|
+0.20% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.93%
+4.4% YoY
+3.4% QoQ
|
+0.77% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.19%
+20.1% YoY
-73.3% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
69% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.