Wonder Lake, IL · Cert 22971 · First Secure Bank Group Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56 to 57). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
32
Profitability
46
Liquidity
84
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wonder Lake, IL · Cert 22971 · First Secure Bank Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 7 branches (18 in holding)
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #91 of 147 inst. · $0.2B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.52% | 0.58% | 0.52% | 0.55% | 0.61% | 0.66% | 0.64% | +13 bps | |
| Return on Equity | 4.20% | 4.50% | 4.96% | 4.39% | 4.66% | 5.15% | 5.34% | 5.18% | +79 bps | |
| Net Interest Margin | 3.14% | 3.12% | 3.64% | 3.47% | 3.50% | 3.48% | 3.90% | 3.81% | +34 bps | |
| Efficiency Ratio | 77.92% | 76.00% | 76.24% | 77.28% | 76.73% | 74.82% | 74.13% | 74.88% | -240 bps | |
| Non-Interest Burden | 2.36% | 2.27% | 2.66% | 2.58% | 2.58% | 2.50% | 2.79% | 2.73% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 4.18% | 5.58% | 4.51% | 3.63% | 2.62% | 2.63% | 2.21% | -230 bps | |
| Loan Growth (YoY) | 17.36% | 13.19% | 0.97% | -6.05% | -8.52% | 6.88% | 13.87% | 21.30% | +2,735 bps | |
| Deposit Growth (YoY) | 5.70% | 2.51% | 0.88% | -0.43% | 0.26% | -0.70% | 1.74% | 2.25% | +269 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.62% | 3.18% | 1.74% | 5.08% | 1.63% | 1.30% | 2.66% | 1.31% | -377 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.00% | 0.00% | 0.01% | -0.07% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 0.94% | 1.01% | 1.09% | 1.16% | 1.19% | 1.11% | 1.11% | 1.10% | -5 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.3x | 0.6x | 0.2x | 0.7x | 0.9x | 0.4x | 0.8x | +0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.87% | 12.21% | 12.45% | 12.65% | 12.69% | 12.64% | 12.87% | 13.03% | +37 bps | |
| Total Risk-Based Capital | 18.39% | 18.74% | 20.06% | 20.22% | 20.26% | 18.46% | 12.87% | 18.53% | -169 bps | |
| Equity / Assets | 11.75% | 11.54% | 11.81% | 11.85% | 12.10% | 12.35% | 12.33% | 12.43% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.00% | 70.29% | 68.59% | 67.90% | 65.69% | 75.65% | 76.76% | 80.55% | +1,265 bps | |
| Liquid Assets / Assets | 9.69% | 16.28% | 16.55% | 17.10% | 19.13% | 14.28% | 13.93% | 11.94% | -516 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 218% | 266% | 287% | n/a | n/a | |
Wonder Lake, IL · Cert 22971 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · First Secure Bank Group Inc.
State charter, non-member · FDIC · 2 affiliate banks · 7 branches (18 in holding)
Q2 2026
Return on Assets
0.64%
Rank 35 of 57
Net Interest Margin
3.81%
Rank 23 of 57
Efficiency Ratio
74.95%
Rank 34 of 57
Equity / Assets
12.43%
Rank 27 of 57
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.64% | 0.51% | 0.84% | 1.19% | Beats 39% | 35 / 57 | ||
| Return on Equity | 5.13% | 3.13% | 7.76% | 11.40% | Beats 40% | 34 / 57 | ||
| Net Interest Margin | 3.81% | 3.16% | 3.63% | 4.08% | Beats 60% | 23 / 57 | ||
| Efficiency Ratio | 74.95% | 59.57% | 69.70% | 81.06% | Beats 42% | 34 / 57 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.31% | 0.06% | 0.34% | 1.78% | Beats 30% | 40 / 56 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 34% | 38 / 56 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.48% | 12.24% | 16.06% | 19.69% | Beats 58% | 24 / 57 | ||
| Total Risk-Based Capital Ratio | 18.53% | 12.54% | 16.50% | 20.95% | Beats 56% | 25 / 57 | ||
| Equity / Assets | 12.43% | 9.37% | 11.56% | 15.00% | Beats 53% | 27 / 57 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.55% | 66.29% | 85.59% | 95.16% | 40th pctl | 34 / 57 | ||
| Loans / Assets | 65.71% | 57.07% | 71.07% | 78.13% | 39th pctl | 35 / 57 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||