Side-by-side · Q2 2026 data
First Bankers Trust Company, National Association vs American Community Bank & Trust
Bank
First Bankers Trust Company, National Association
Quincy, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | First Bankers Trust Company, National Association | American Community Bank & Trust |
|---|---|---|
| TellerScore | 57 | 64 (stronger) |
| Capital cushion | 50 | 56 (stronger) |
| Loan quality | 57 | 67 (stronger) |
| Earnings | 47 | 75 (stronger) |
| Funding & liquidity | 69 (stronger) | 47 |
| Problem-loan coverage | 80 | 88 (stronger) |
| Peer percentile | 16th | 33rd |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.0B | $1.0B |
| Capital ratio | 10.00% | 10.61% (stronger) |
| Problem loans | 1.28% | 1.00% (stronger) |
| Net charge-offs | 0.05% | -0.09% (stronger) |
| Return on assets | 0.68% | 1.38% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 77.7% |
| Uninsured deposits | 43.1% (stronger) | 47.2% |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 1.8% |
American Community Bank & Trust has the higher TellerScore (64 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Bankers Trust Company, National Association leads on 2 and American Community Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.