BlastPoint

BlastPoint's Banking Scorecard

First Bankers Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 16501

Designations: ✓ Community bank

Quincy, IL

9 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits +2.0% year over year ($1.0B on the books).
  • Delinquency rate 1.29%.
  • Return on assets 0.68%.
  • Efficiency ratio 74.79% vs a 59.73% peer average.
  • Loan-to-deposit ratio 59.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL
View $1B-$10B leaderboard (IL) →

First Bankers Trust Company, National Association faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 14.8% in tier
  • - ROA 0.71% below tier average
  • - Net Interest Margin 0.94% below tier average
  • - Efficiency Ratio 15.07% above tier average
  • - Delinquency Rate 0.43% above tier average
Get updates when First Bankers Trust Company, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $1.2B
+0.4% YoY -1.1% QoQ
-$1.6B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $621.4M
-1.9% YoY -0.6% QoQ
-$1.3B $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 4.6% in tier
Total Deposits ? $1.0B
+2.0% YoY +0.1% QoQ
-$1.3B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
18%
Return on Assets ? 0.68%
+16.5% YoY -7.0% QoQ
-0.71% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 13.0% in tier
Net Interest Margin ? 2.93%
+13.0% YoY +0.3% QoQ
-0.94% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 12.2% in tier
Efficiency Ratio ? 74.79%
+1.9% YoY +3.8% QoQ
+15.07% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 12.8% in tier
Delinquency Rate ? 1.29%
-21.1% YoY -6.0% QoQ
+0.43% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 59.78%
-3.8% YoY -0.7% QoQ
-25.26% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 7.0% in tier
Non-Interest-Bearing Deposit Share ? 12.55%
-5.9% YoY -7.6% QoQ
-8.72% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
17%
Nonperforming Asset Ratio ? 0.77%
-9.8% YoY -12.5% QoQ
+0.09% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 16.13%
+6.8% YoY +1.2% QoQ
+1.29% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
81%
Non-Interest Income / Assets ? 0.44%
+40.1% YoY +131.6% QoQ
-0.08% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 12.5%
-0.8pp YoY
-1.0pp QoQ
 -8.8pp 21.4% 20.1% 22.2% 17%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.7%
+0.2pp YoY
+1.1pp QoQ
 -3.3pp 14.0% 14.7% 12.5% 47%
CRE 49.6%
-1.2pp YoY
+0.7pp QoQ
 -0.5pp 50.0% 37.9% 41.4% 49%
1-4 Family 12.1%
0.0pp YoY
+0.1pp QoQ
 -14.3pp 26.4% 28.3% 31.3% 22%
Consumer 6.2%
-0.9pp YoY
-0.1pp QoQ
 +1.5pp 4.7% 5.4% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 16.1%
+1.0pp YoY
+0.2pp QoQ
 +0.5pp 15.6% 19.9% 19.7% 78%
Leverage Ratio 10.0%
+0.5pp YoY
+0.3pp QoQ
 -1.3pp 11.3% 12.2% 12.6% 36%
Total Capital Ratio 17.1%
+0.8pp YoY
+0.2pp QoQ
 +0.4pp 16.7% 20.9% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 172
+2 (+1.2%) YoY
0 QoQ
 -142 313 228 482 32%
Assets per Employee ($) $7.1M
-0.8% YoY
-1.1% QoQ
 -$3.4M $10.5M $8.3M $8.8M 25%
Branch Count 9
0 YoY
0 QoQ
 -11 20 10 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 29%
Nonaccrual 1.3%
-0.4pp YoY
-0.1pp QoQ
 +0.5pp 0.8% 1.1% 1.0% 81%
Allowance Coverage 0.89x
+5.5% YoY
+9.3% QoQ
 -17.82x 18.71x 5.62x 20.23x 19%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 52%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.6%
+0.3pp YoY
-0.8pp QoQ
 -3.0pp 12.6% 10.5% 11.6% 30%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.9% 1.6% 1.7% 37%
Net Income ($, YTD) $4.2M
+19.8% YoY
— QoQ
 -$15.1M $19.2M $11.7M $40.4M 8%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#25 of 162 • Bottom 14.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.68%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

63
Loan-to-Deposit Ratio
liquidity
Value: 59.78%
Peer Median: 85.04%
#63 of 885 Top 7.0% in $1B-$10B
171
Tier 1 Capital Ratio
capital
Value: 16.13%
Peer Median: 14.84%
#171 of 885 Top 19.2% in $1B-$10B
217
Non-Interest Income / Assets
revenue_mix
Value: 0.44%
Peer Median: 0.53%
#217 of 885 Top 24.4% in $1B-$10B

Top Weaknesses (8 metrics)

845
Total Loans
size
Value: $621.36M
Peer Median: $1.96B
#845 of 885 Bottom 4.6% in $1B-$10B
778
Net Interest Margin
profitability
Value: 2.93%
Peer Median: 3.87%
#778 of 885 Bottom 12.2% in $1B-$10B
773
Efficiency Ratio
profitability
Value: 74.79%
Peer Median: 59.73%
#773 of 885 Bottom 12.8% in $1B-$10B
771
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.39%
#771 of 885 Bottom 13.0% in $1B-$10B
734
Non-Interest-Bearing Deposit Share
funding
Value: 12.55%
Peer Median: 21.27%
#734 of 885 Bottom 17.2% in $1B-$10B
723
Total Deposits
size
Value: $1.04B
Peer Median: $2.32B
#723 of 885 Bottom 18.4% in $1B-$10B
718
Total Assets
size
Value: $1.22B
Peer Median: $2.79B
#718 of 885 Bottom 19.0% in $1B-$10B
700
Delinquency Rate
credit_quality
Value: 1.29%
Peer Median: 0.87%
#700 of 882 Bottom 20.7% in $1B-$10B
Powered by BlastPoint © 2026