BlastPoint's Banking Scorecard
First Secure State Bank
Wonder Lake, IL
7 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 +2.3% year over year ($249.3M on the books).
- Delinquency rate 1.32%.
- Return on assets 0.64%.
- Efficiency ratio 74.88% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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
- - ROA 0.68% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 10.41% above tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.6M
+2.2% YoY
+0.3% QoQ
|
-$80.9M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$198.6M
+21.4% YoY
+4.1% QoQ
|
-$59.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$249.3M
+2.3% YoY
-0.8% QoQ
|
-$77.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
0.64%
+24.5% YoY
-2.8% QoQ
|
-0.68% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
3.88%
+9.7% YoY
-2.5% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
74.88%
-3.1% YoY
+1.0% QoQ
|
+10.41% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.32%
-74.2% YoY
-50.7% QoQ
|
+0.41% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
79.67%
+18.7% YoY
+4.9% QoQ
|
+1.71% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
16.88%
+1.0% YoY
-5.4% QoQ
|
-5.15% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.86%
-69.4% YoY
-48.9% QoQ
|
+0.19% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
17.48%
-8.8% YoY
+35.8% QoQ
|
+1.57% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.19%
+5.8% YoY
+180.2% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
45% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
16.9%
+0.2pp YoY -1.0pp QoQ |
-5.3pp | 22.1% | 20.1% | 22.2% | 32% |
| 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 |
16.6%
-1.5pp YoY +2.0pp QoQ |
+5.1pp | 11.6% | 14.7% | 12.5% | 81% |
| CRE |
52.4%
+6.2pp YoY -3.2pp QoQ |
+12.8pp | 39.5% | 37.9% | 41.4% | 74% |
| 1-4 Family |
24.8%
-4.1pp YoY +1.4pp QoQ |
-7.8pp | 32.6% | 28.3% | 31.3% | 40% |
| Consumer |
0.7%
-0.4pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 5.4% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.5%
-1.7pp YoY |
-1.3pp | 18.8% | 19.9% | 19.7% | 66% |
| Leverage Ratio |
13.0%
+0.4pp YoY +0.2pp QoQ |
+0.9pp | 12.2% | 12.2% | 12.6% | 75% |
| Total Capital Ratio |
18.5%
-1.7pp YoY |
-1.4pp | 19.9% | 20.9% | 20.8% | 66% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
43
+1 (+2.4%) YoY +2 (+4.9%) QoQ |
-16 | 58 | 228 | 482 | 45% |
| Assets per Employee ($) |
$7.1M
-0.2% YoY -4.3% QoQ |
-$411K | $7.5M | $8.3M | $8.8M | 54% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 10 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
-3.1pp YoY -1.3pp QoQ |
+0.3pp | 0.3% | 0.4% | 0.4% | 87% |
| Nonaccrual |
0.7%
-0.7pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 1.1% | 1.0% | 60% |
| Allowance Coverage |
0.84x
+269.7% YoY +101.8% QoQ |
-23.31x | 24.15x | 5.62x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+0.8pp YoY -0.2pp QoQ |
-7.0pp | 12.2% | 10.5% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 19% |
| Net Income ($, YTD) |
$975,000
+27.6% YoY — QoQ |
-$1.6M | $2.6M | $11.7M | $40.4M | 26% |
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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.