# FIRST BANK&TRUST
PARIS, IL · FDIC certificate 29786 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $493.1M | |
| Deposits | $383.7M | |
| Loans and leases | $364.9M | |
| Total equity | $75.7M | |
| Loans / deposits | 95.02% (p72 of band) | 86.00% |
| Liquid assets / assets | 14.61% (p22 of band) | |
| Uninsured deposits / deposits | 15.03% (p24 of band) | 21.20% |
| Brokered deposits | 2.90% | |
| Wholesale funding | 9.13% (p67 of band) | |
| FHLB advances / assets | 6.22% | |
| Tier 1 leverage | 9.80% (p35 of band) | 10.47% |
| Unrealized securities loss / equity | 0.41% (p95 of band) | -2.60% |
| AOCI / equity | 0.29% (p99 of band) | |
| ROA (annualized) | 0.38% (p6 of band) | 1.09% |
| Net interest margin | 1.59% (p0 of band) | 3.71% |
| Efficiency ratio | 46.11% (p6 of band) | |
| Noncurrent loans | 1.23% (p80 of band) | 0.52% |
| Net charge-offs (annualized) | 0.16% (p89 of band) | |
| Reserve coverage of noncurrent | 7.12% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 6.46% (p10 of band) | |
| Auto loans | $26.6M (7.29% of loans; DQ 3.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, charge-offs p90 |  |
| 2017-06 | 0 |  | capital falling, charge-offs p90 |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | NIM <2.5%, reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29786 (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/26.json (key "29786", 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.

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