BlastPoint's Banking Scorecard
First Secure Community Bank
Sugar Grove, IL
5 branches across IL
First Secure Community Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 28.5% in tier
- - Capital Thin: Bottom 50.0% in tier
- - Return on Assets 0.99% below tier average
- - Delinquency Rate 1.85% above tier average
- - Nonperforming Asset Ratio 1.98% above tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$528.4M
+5.0% YoY
+0.5% QoQ
|
+$142.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$379.7M
+18.7% YoY
+1.4% QoQ
|
+$124.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$423.9M
+0.7% YoY
+0.3% QoQ
|
+$95.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
0.28%
+77.1% YoY
+13.6% QoQ
|
-0.99% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
3.29%
+1.2% YoY
+2.6% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
80.31%
+3.8% YoY
-1.8% QoQ
|
+15.02% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
2.73%
-13.2% YoY
+31.9% QoQ
|
+1.85% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.8% in tier |
| Loan-to-Deposit Ratio ? |
89.58%
+17.8% YoY
+1.0% QoQ
|
+12.94% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
11.07%
-8.9% YoY
-8.4% QoQ
|
-10.95% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.0% in tier |
| Nonperforming Asset Ratio ? |
2.62%
+30.7% YoY
+77.3% QoQ
|
+1.98% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.1% in tier |
| Tier 1 Capital Ratio ? |
10.55%
-6.5% YoY
-0.4% QoQ
|
-5.28% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.02%
+4.5% YoY
-82.5% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.3% 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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.