First Bankers Trust Company, National Association: how it compares with its peers
Against 55 IL banks with half to twice its assets, First Bankers Trust Company, National Association's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $7.6M peer median). Its weakest relative measure is net interest margin (2.93% vs. 3.70%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.68% | 1.17% | Bottom third Ahead of 15% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.93% | 3.70% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.79% | 62.21% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $7.6M | Middle third Ahead of 44% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.78% | 79.77% | Context |
What it means for lending operations
Its efficiency ratio of 74.79% is above the 62.21% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Pontiac Pontiac, IL · $1.18B
- American Community Bank & Trust Woodstock, IL · $1.18B
- Amalgamated Bank of Chicago Chicago, IL · $1.33B
- The Federal Savings Bank Chicago, IL · $1.08B
- Belmont Bank & Trust Company Chicago, IL · $1.05B
- First Southern Bank Marion, IL · $1.04B
Questions about First Bankers Trust Company, National Association
How big is First Bankers Trust Company, National Association?
First Bankers Trust Company, National Association, established in 1946, is headquartered in Quincy, IL. It reported $1.22B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is First Bankers Trust Company, National Association's return on assets?
0.68% annualized in Q2 2026, against a 1.17% median for 55 IL banks with half to twice its assets, ahead of 15% of them.
What is First Bankers Trust Company, National Association's efficiency ratio?
74.79% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 62.21%, and lower is better.
Is First Bankers Trust Company, National Association growing its loans?
Net loans shrank 1.9% over the year to Q2 2026, while deposits grew 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.