TellerScore

First Bankers Trust Company, National Association is a national bank headquartered in Quincy, Illinois, in business for about 80 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.0B in deposits, with 9 offices.

First Bankers Trust Company, National Association has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 897 banks with $1 billion – $10 billion. Among 326 banks headquartered in Illinois, it ranks 263rd. Problem-loan coverage contributes the most (80/100, 9.9%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.00%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.28%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 59.8% · 43.1% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (50 → 57), mostly because the loan quality component improved by 11 points.

TellerScore
505457Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202450
Q4 202450
Q1 202550
Q2 202550
Q3 202556
Q4 202556
Q1 202655
Q2 202657
Tier 1 leverage ratio
5.00%7.50%10.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.94%
Q3 20249.59%
Q4 20249.56%
Q1 20259.55%
Q2 20259.53%
Q3 20259.34%
Q4 20259.46%
Q1 20269.74%
Q2 202610.00%
Noncurrent loans
0.87%1.29%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.68%
Q3 20241.66%
Q4 20241.63%
Q1 20251.71%
Q2 20251.62%
Q3 20250.87%
Q4 20250.95%
Q1 20261.36%
Q2 20261.28%
Return on assets
0.36%0.55%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.39%
Q4 20240.45%
Q1 20250.62%
Q2 20250.58%
Q3 20250.64%
Q4 20250.63%
Q1 20260.73%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$1.2B10.00%1.28%0.68%59.8%
Q1 202655$1.2B9.74%1.36%0.73%60.2%
Q4 202556$1.2B9.46%0.95%0.63%61.9%
Q3 202556$1.2B9.34%0.87%0.64%62.6%
Q2 202550$1.2B9.53%1.62%0.58%62.1%
Q1 202550$1.2B9.55%1.71%0.62%61.5%
Q4 202450$1.2B9.56%1.63%0.45%62.1%
Q3 202450$1.2B9.59%1.66%0.39%63.8%
Q2 202450$1.1B9.94%1.68%0.36%64.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.00%
37th
Total risk-based capital17.08%
83rd
Problem loans1.28%
20th
Net charge-offs0.05%
45th
Return on assets0.68%
14th
Net interest margin2.93%
13th
Efficiency ratio74.8%
13th
Loans to deposits59.8%
93rd
Uninsured deposits43.1%
20th
Loan-loss reserves1.13%
48th
Texas ratio9.9%
17th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of PontiacBank Pontiac, IL72 out of 100, Strong$1.2B10.4%0.27%vs
American Community Bank & TrustBank Woodstock, IL64 out of 100, Moderate$1.2B10.6%1.00%vs
Amalgamated Bank of ChicagoBank Chicago, IL68 out of 100, Moderate$1.3B11.4%0.67%vs
The Federal Savings BankBank Chicago, IL51 out of 100, Below average$1.1B15.9%2.69%vs
Belmont Bank & Trust CompanyBank Chicago, IL75 out of 100, Strong$1.1B11.9%0.41%vs
First Southern BankBank Marion, IL49 out of 100, Below average$1.0B10.9%3.00%vs

Deposit insurance

Is my money safe at First Bankers Trust Company, National Association?

Yes. First Bankers Trust Company, National Association is an FDIC-insured institution (FDIC certificate #16501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 43.1% of deposits ($448.3M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.08% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

First Bankers Trust Company, National Association lists 9 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Bankers Trust Company, National Association reported 170 home-loan applications under HMDA (LEI 2549003SD8SH7JXN6S72): 138 originated ($49,450,000 total), 16 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Bankers Trust Company, National Association
Former names
First National Bank & Trust Company of Quincy; First Midwest Bank/Quincy, National Association; First Midwest Bank/M.C., National Association; Bankers Trust Company, National Association
Type
National bank
FDIC certificate #
16501
RSSD ID
344647
Primary regulator
OCC
Holding company
First Bankers Trustshares Inc
Established
October 23, 1946
Headquarters
1201 Broadway St, Quincy, IL 62301
Employees
172

Quick answers

First Bankers Trust Company, National Association: common questions

Is First Bankers Trust Company, National Association FDIC insured?

Yes. First Bankers Trust Company, National Association is an FDIC-insured institution (FDIC certificate #16501). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bankers Trust Company, National Association's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Bankers Trust Company, National Association ever failed?

There is no failure record for FDIC certificate #16501 in the FDIC failed bank list.

How many branches does First Bankers Trust Company, National Association have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Quincy

InstitutionScoreAssetsCapitalProblem loansCompare
Members "first" Community Credit UnionCredit union Quincy, IL92 out of 100, Very strong$111.6M25.4%0.03%vs
Town & Country Bank MidwestBank Quincy, IL92 out of 100, Very strong$279.3M14.9%0.15%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
United Community Credit UnionCredit union Quincy, IL84 out of 100, Strong$134.1M15.4%0.40%vs
Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs