BlastPoint's Banking Scorecard
First Secure State Bank
Wonder Lake, IL
7 branches across IL
First Secure State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.80% above tier average
- - Nonperforming Asset Ratio 1.05% above tier average
- - ROA 0.61% below tier average
- - Efficiency Ratio 8.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.6M
+2.6% YoY
+0.9% QoQ
|
-$81.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$190.8M
+13.8% YoY
+3.4% QoQ
|
-$64.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$251.3M
+1.7% YoY
+1.9% QoQ
|
-$76.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
45% |
| Return on Assets ? |
0.66%
+13.8% YoY
+7.3% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.98%
+6.1% YoY
+9.6% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
74.13%
-2.8% YoY
-0.9% QoQ
|
+8.85% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
2.69%
+52.9% YoY
+105.1% QoQ
|
+1.80% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.2% in tier |
| Loan-to-Deposit Ratio ? |
75.91%
+11.9% YoY
+1.5% QoQ
|
-0.73% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
17.85%
+6.9% YoY
+2.9% QoQ
|
-4.17% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.68%
+69.6% YoY
+110.1% QoQ
|
+1.05% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.3% in tier |
| Tier 1 Capital Ratio ? |
12.87%
-32.5% YoY
-26.3% QoQ
|
-2.96% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.07%
-30.7% YoY
-80.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.