# FIRST BANKERS TRUST CO NA
QUINCY, IL · FDIC certificate 16501 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.22B | |
| Deposits | $1.04B | |
| Loans and leases | $628.5M | |
| Total equity | $87.5M | |
| Loans / deposits | 59.78% (p8 of band) | 87.10% |
| Liquid assets / assets | 43.96% (p92 of band) | |
| Uninsured deposits / deposits | 43.13% (p80 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.36% (p55 of band) | |
| FHLB advances / assets | 2.04% | |
| Tier 1 leverage | 10.00% (p37 of band) | 10.50% |
| Unrealized securities loss / equity | -39.59% (p5 of band) | -7.75% |
| AOCI / equity | -1.46% (p9 of band) | |
| ROA (annualized) | 0.68% (p14 of band) | 1.26% |
| Net interest margin | 2.93% (p13 of band) | 3.70% |
| Efficiency ratio | 74.79% (p87 of band) | |
| Noncurrent loans | 1.28% (p80 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p50 of band) | |
| Reserve coverage of noncurrent | 88.59% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 18.79% (p16 of band) | |
| Auto loans | $36.3M (5.78% of loans; DQ 1.15%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 172 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | assets shrinking |
| 2014-03 | 1 |  | deposits shrinking |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 3 | wholesale funding >15%, noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 4 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2020-12 | 3 |  | charge-offs p90 |
| 2021-03 | 3 | NIM <2.5% | capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | capital falling | wholesale funding >15% |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | uninsured deposits >50%, wholesale funding >15%, NIM <2.5% | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 4 |  | assets shrinking, uninsured deposits >50% |
| 2023-09 | 4 | reserve under noncurrent | wholesale funding >15% |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | charge-offs p90 |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | capital falling |  |
| 2025-03 | 4 |  | NIM <2.5%, charge-offs p90 |
| 2025-06 | 3 |  | noncurrent p90 |
| 2025-09 | 3 | uninsured deposits >50% | reserve under noncurrent |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 2 | reserve under noncurrent | uninsured deposits >50% |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-12-30 [Former local bank CEO launches new business - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZm9FNk5FRUUxb1RfdGxZMHl4ZHN6N0RIdXlCQVJqaDEzUU5EblpvN3ZGRkdhZ1p4clpkR25mZ18wT2Nfa1FrX2prT0RRV1JPdGl0TmlJejRvQl95UWF1dFl2Z1VmVmpZaTFQMlVZSkpQV09CUG40cGRpWnFqRkE1U3JpSGkzby1HNGtzWHVHQlpEM1FZbmRWbEkxVFp0aWszNXFCbTUtRTdSUQ?oc=5) · The Business Journals
- 2026-05-15 [Former Saint Louis Bank CEO exits legal tech startup - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONVhEcmFwUFdnaXpWTndiSEhrWVpSYjlrTUtXbzUwTHNrcVF5RGVQQXZraE1VNmxzQU9TSmpRMWRtR0o3RW5fUnR5MzFLN1ExYkwyZEtuSjZXVVpvQzNka2lGTnpzb3VXbGJlWnpuN0xWeXVRU3A0VGc0NEE5a2NPVVFVLXlpbkczc2ZlSE9YRHp0LUY2SUNha1ZDZ1ZlYzVfeXYydXFybFg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16501 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "16501", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide