Side-by-side · Q2 2026 data
First Bankers Trust Company, National Association vs Bank of Pontiac
Bank
First Bankers Trust Company, National Association
Quincy, Illinois · $1 billion – $10 billion
Metric by metric
| Measure | First Bankers Trust Company, National Association | Bank of Pontiac |
|---|---|---|
| TellerScore | 57 | 72 (stronger) |
| Capital cushion | 50 | 54 (stronger) |
| Loan quality | 57 | 91 (stronger) |
| Earnings | 47 | 71 (stronger) |
| Funding & liquidity | 69 (stronger) | 58 |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 16th | 66th |
| Total assets | $1.2B | $1.2B |
| Deposits / shares | $1.0B | $1.0B |
| Capital ratio | 10.00% | 10.35% (stronger) |
| Problem loans | 1.28% | 0.27% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.30% |
| Return on assets | 0.68% | 1.28% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 82.9% |
| Uninsured deposits | 43.1% | 32.6% (stronger) |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.4% | 2.3% |
Bank of Pontiac has the higher TellerScore (72 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 Bank of Pontiac on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.