BlastPoint's Banking Scorecard
First Bankers Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 16501
Quincy, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First Bankers Trust Company, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.21% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.94% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.4% YoY
-1.1% QoQ
|
-$160.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$642.8M
+3.5% YoY
-0.7% QoQ
|
-$332.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$1.0B
+3.9% YoY
+0.5% QoQ
|
-$125.4M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.63%
+40.2% YoY
-1.8% QoQ
|
-0.53% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.73%
+15.0% YoY
+2.6% QoQ
|
-0.94% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
73.77%
+0.4% YoY
+2.3% QoQ
|
+11.14% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.96%
-41.6% YoY
+9.5% QoQ
|
+0.33% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
61.85%
-0.4% YoY
-1.2% QoQ
|
-21.21% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.28%
+3.7% YoY
+12.2% QoQ
|
-5.77% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.69%
-20.8% YoY
+5.4% QoQ
|
+0.19% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
15.46%
+1.5% YoY
+2.5% QoQ
|
+5.22% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.72%
-6.7% YoY
+44.1% QoQ
|
-0.02% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.85%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.73%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.85% · Tier avg: 83.06%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.46% · Tier avg: 10.24%
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
45
45th pctile
Total Loans
Current: $642.8M · Tier avg: $975.5M
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.28% · Tier avg: 21.05%
27
27th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 73.77% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.66%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.66%
16
16th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.16%
19
19th pctile
Efficiency Ratio
Current: 73.77% · Tier avg: 62.63%
27
27th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.63%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.28% · Tier avg: 21.05%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.50%
45
45th pctile
Total Loans
Current: $642.8M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
72
72th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.74%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.46% · Tier avg: 10.24%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.85% · Tier avg: 83.06%