BlastPoint's Banking Scorecard
First Secure Bank and Trust Co.
Palos Hills, IL
6 branches across IL
First Secure Bank and Trust Co. faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.2% in tier
- - Flatlined Growth: Bottom 9.8% in tier
- - Capital Constraint: Bottom 22.2% in tier
- - Deposit Outflow: Bottom 38.1% in tier
- - Delinquency Rate 5.59% above tier average
- - Nonperforming Asset Ratio 4.01% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.68% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$395.4M
-0.6% YoY
+0.8% QoQ
|
+$9.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$283.6M
-0.3% YoY
-0.2% QoQ
|
+$27.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$314.4M
-8.3% YoY
+2.2% QoQ
|
-$13.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.59%
+283.6% YoY
+52.4% QoQ
|
-0.68% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.39%
+33.5% YoY
+13.2% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
75.58%
-17.6% YoY
-7.6% QoQ
|
+10.29% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
6.47%
+8.8% YoY
+44.4% QoQ
|
+5.59% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.1% in tier |
| Loan-to-Deposit Ratio ? |
90.20%
+8.7% YoY
-2.4% QoQ
|
+13.56% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
14.99%
+8.7% YoY
-11.0% QoQ
|
-7.03% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
4.64%
+9.1% YoY
+42.9% QoQ
|
+4.01% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.1% in tier |
| Tier 1 Capital Ratio ? |
14.22%
+5.4% YoY
+1.5% QoQ
|
-1.61% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.03%
-15.5% YoY
-77.3% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 6.1% in tier |
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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 (0)
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.