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First Secure Community Bank

$100M-$1B Specialty: Commercial IL FDIC cert 35223

Sugar Grove, IL

5 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 +2.9% year over year ($427.8M on the books).
  • Delinquency rate 2.88%.
  • Return on assets 0.28%.
  • Efficiency ratio 80.50% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.51% 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 Community Bank 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

  • - Efficiency Drag: Bottom 27.2% in tier
  • - Capital Thin: Bottom 48.0% in tier
  • - Return on Assets 1.04% below tier average
  • - Delinquency Rate 1.96% above tier average
  • - Nonperforming Asset Ratio 2.09% above tier average
  • - Non-Interest Income / Assets 0.52% below tier average
  • - Net Interest Margin 0.69% below tier average
Get updates when First Secure Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $528.8M
+4.3% YoY +0.1% QoQ
+$142.2M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $387.2M
+13.7% YoY +2.0% QoQ
+$128.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $427.8M
+2.9% YoY +0.9% QoQ
+$101.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
72%
Return on Assets ? 0.28%
+48.8% YoY -1.4% QoQ
-1.04% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Bottom 7.0% in tier
Net Interest Margin ? 3.30%
+3.5% YoY +0.2% QoQ
-0.69% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 80.50%
+3.6% YoY +0.2% QoQ
+16.02% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 13.2% in tier
Delinquency Rate ? 2.88%
-1.5% YoY +5.2% QoQ
+1.96% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 6.8% in tier
Loan-to-Deposit Ratio ? 90.51%
+10.5% YoY +1.0% QoQ
+12.55% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 11.00%
-9.3% YoY -0.6% QoQ
-11.03% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
Bottom 12.7% in tier
Nonperforming Asset Ratio ? 2.76%
+40.8% YoY +5.4% QoQ
+2.09% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 4.0% in tier
Tier 1 Capital Ratio ? 10.60%
-2.7% YoY +0.5% QoQ
-5.31% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.05%
+3.4% YoY +99.0% QoQ
-0.52% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 5.2% 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 11.0%
-1.1pp YoY
-0.1pp QoQ
 -11.1pp 22.1% 20.1% 22.2% 12%
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 25.2%
+2.8pp YoY
+1.6pp QoQ
 +13.7pp 11.6% 14.7% 12.5% 94%
CRE 50.5%
-5.1pp YoY
-2.7pp QoQ
 +11.0pp 39.5% 37.9% 41.4% 71%
1-4 Family 2.9%
-0.2pp YoY
+0.1pp QoQ
 -29.7pp 32.6% 28.3% 31.3% 3%
Consumer 21.2%
+1.8pp YoY
+0.7pp QoQ
 +17.1pp 4.1% 5.4% 5.0% 98%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 10.6%
-0.3pp YoY
0.0pp QoQ
 -8.2pp 18.8% 19.9% 19.7% 5%
Leverage Ratio 9.4%
0.0pp YoY
+0.1pp QoQ
 -2.7pp 12.2% 12.2% 12.6% 20%
Total Capital Ratio 11.5%
-0.4pp YoY
+0.1pp QoQ
 -8.5pp 19.9% 20.9% 20.8% 4%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 44
+2 (+4.8%) YoY
-1 (-2.2%) QoQ
 -15 58 228 482 46%
Assets per Employee ($) $12.0M
-0.4% YoY
+2.3% QoQ
 +$4.5M $7.5M $8.3M $8.8M 93%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 1.4%
+1.4pp YoY
+0.3pp QoQ
 +1.1pp 0.3% 0.4% 0.4% 95%
Nonaccrual 1.5%
-1.4pp YoY
-0.2pp QoQ
 +0.6pp 0.9% 1.1% 1.0% 82%
Allowance Coverage 0.35x
-12.1% YoY
+1.6% QoQ
 -23.81x 24.15x 5.62x 20.23x 4%
Net Charge-off Rate (YTD) 0.1%
-0.5pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 3.1%
+1.0pp YoY
-0.1pp QoQ
 -9.0pp 12.2% 10.5% 11.6% 8%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.6% 1.7% 86%
Net Income ($, YTD) $738,000
+54.4% YoY
— QoQ
 -$1.8M $2.6M $11.7M $40.4M 18%

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 (2)

Efficiency Drag

risk
#99 of 361 • Bottom 27.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 80.50%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 banks QoQ | QoQ rank improving

Capital Thin

risk
#318 of 661 • Bottom 48.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.60%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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

Top Strengths (1 metrics)

589
Total Loans
size
Value: $387.20M
Peer Median: $258.35M
#589 of 2643 Top 22.2% in $100M-$1B

Top Weaknesses (8 metrics)

2538
Nonperforming Asset Ratio
credit_quality
Value: 2.76%
Peer Median: 0.67%
#2538 of 2643 Bottom 4.0% in $100M-$1B
2507
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2507 of 2643 Bottom 5.2% in $100M-$1B
2456
Delinquency Rate
credit_quality
Value: 2.88%
Peer Median: 0.92%
#2456 of 2633 Bottom 6.8% in $100M-$1B
2459
Return on Assets
profitability
Value: 0.28%
Peer Median: 1.32%
#2459 of 2643 Bottom 7.0% in $100M-$1B
2308
Non-Interest-Bearing Deposit Share
funding
Value: 11.00%
Peer Median: 22.03%
#2308 of 2643 Bottom 12.7% in $100M-$1B
2295
Efficiency Ratio
profitability
Value: 80.50%
Peer Median: 64.48%
#2295 of 2643 Bottom 13.2% in $100M-$1B
2164
Tier 1 Capital Ratio
capital
Value: 10.60%
Peer Median: 15.91%
#2164 of 2643 Bottom 18.2% in $100M-$1B
2127
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2127 of 2643 Bottom 19.6% in $100M-$1B
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