BlastPoint's Banking Scorecard

First Secure Bank and Trust Co.

$100M-$1B Specialty: Commercial IL FDIC cert 22536

Palos Hills, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +2.7% year over year ($313.7M on the books).
Delinquency rate 6.37%.
Return on assets 0.51%.
Efficiency ratio 77.64% vs a 64.48% peer average.
Loan-to-deposit ratio 94.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

First Secure Bank and Trust Co. faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 48.0% in tier
- Delinquency Rate 5.45% above tier average
- Nonperforming Asset Ratio 4.16% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.81% below tier average
- Net Interest Margin 0.75% below tier average
- Efficiency Ratio 13.16% above tier average

Get updates when First Secure Bank and Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$396.2M +6.3% YoY +0.2% QoQ	+$9.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$297.2M +8.8% YoY +4.8% QoQ	+$38.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$313.7M +2.7% YoY -0.2% QoQ	-$13.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	0.51% +95.1% YoY -12.4% QoQ	-0.81%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 12.6% in tier
Net Interest Margin ?	3.24% +17.7% YoY -4.6% QoQ	-0.75%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	77.64% -10.4% YoY +2.7% QoQ	+13.16%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	6.37% +38.8% YoY -1.6% QoQ	+5.45%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 1.3% in tier
Loan-to-Deposit Ratio ?	94.73% +5.9% YoY +5.0% QoQ	+16.78%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	16.08% -6.4% YoY +7.3% QoQ	-5.95%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	4.83% +43.5% YoY +3.9% QoQ	+4.16%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 1.0% in tier
Tier 1 Capital Ratio ?	13.68% -4.4% YoY -3.8% QoQ	-2.23%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.05% -11.9% YoY +104.5% QoQ	-0.51%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 6.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	16.1% -1.1pp YoY +1.1pp QoQ	-6.1pp	22.1%	20.1%	22.2%	27%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	10.2% +0.7pp YoY +2.2pp QoQ	-1.4pp	11.6%	14.7%	12.5%	54%
CRE	69.7% +3.4pp YoY -0.5pp QoQ	+30.1pp	39.5%	37.9%	41.4%	93%
1-4 Family	18.9% -4.3pp YoY -1.5pp QoQ	-13.7pp	32.6%	28.3%	31.3%	28%
Consumer	2.4% +0.1pp YoY -0.2pp QoQ	-1.8pp	4.1%	5.4%	5.0%	53%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.7% -0.6pp YoY -0.5pp QoQ	-5.1pp	18.8%	19.9%	19.7%	36%
Leverage Ratio	11.5% +1.0pp YoY -0.1pp QoQ	-0.7pp	12.2%	12.2%	12.6%	58%
Total Capital Ratio	14.9% -0.7pp YoY -0.6pp QoQ	-5.1pp	19.9%	20.9%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	39 +1 (+2.6%) YoY 0 QoQ	-20	58	228	482	40%
Assets per Employee ($)	$10.2M +3.6% YoY +0.2% QoQ	+$2.6M	$7.5M	$8.3M	$8.8M	86%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	3.7% +3.3pp YoY +0.1pp QoQ	+3.4pp	0.3%	0.4%	0.4%	99%
Nonaccrual	2.6% -1.5pp YoY -0.2pp QoQ	+1.7pp	0.9%	1.1%	1.0%	92%
Allowance Coverage	0.18x -34.1% YoY -3.0% QoQ	-23.97x	24.15x	5.62x	20.23x	1%
Net Charge-off Rate (YTD)	-0.0% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	11%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	5.0% +2.3pp YoY -0.7pp QoQ	-7.2pp	12.2%	10.5%	11.6%	14%
Cost of Funds (YTD)	2.1% -0.7pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	73%
Net Income ($, YTD)	$1.0M +98.2% YoY — QoQ	-$1.5M	$2.6M	$11.7M	$40.4M	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#333 of 691 • Bottom 48.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.73%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2617

Nonperforming Asset Ratio

credit_quality

Value: 4.83%

Peer Median: 0.67%

#2617 of 2643 Bottom 1.0% in $100M-$1B

2599

Delinquency Rate

credit_quality

Value: 6.37%

Peer Median: 0.92%

#2599 of 2633 Bottom 1.3% in $100M-$1B

2485

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.57%

#2485 of 2643 Bottom 6.0% in $100M-$1B

2311

Return on Assets

profitability

Value: 0.51%

Peer Median: 1.32%

#2311 of 2643 Bottom 12.6% in $100M-$1B

2202

Efficiency Ratio

profitability

Value: 77.64%

Peer Median: 64.48%

#2202 of 2643 Bottom 16.7% in $100M-$1B

2201

Loan-to-Deposit Ratio

liquidity

Value: 94.73%

Peer Median: 77.95%

#2201 of 2643 Bottom 16.8% in $100M-$1B

2188

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.99%

#2188 of 2643 Bottom 17.3% in $100M-$1B