First Secure State Bank

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

$305.6MAssets

$200.8MLoans

$249.3MDeposits

$38.0MEquity

Executive Summary

Strongest standing: net interest margin outperforms 60% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 23 of 57).
Widest gap: nonperforming loans / loans trails 70% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 40 of 56).
Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

Unfavorable gap of $7.9M · efficiency ratio beats 42% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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