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First Secure State Bank

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

$305.6MAssets
$200.8MLoans
$249.3MDeposits
$38.0MEquity
Loan mix
84%RE $155.3M15%C&I $27.9M1%Consumer $1.4MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $207.2M17%Noninterest $42.1MQ2 2025Q2 2026

NIM

4.89%Q2 ’244.60%Q2 ’254.87%Q2 ’26-4%+13%

Non-interest income vs. expense

2.73%Q2 ’242.82%Q2 ’253.18%Q2 ’26+3%+8%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.0% share · #91 of 147 inst. · $0.2B of $630.7B

Executive Summary

  • Earnings: ROA of 0.62%, up 17 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.31% of loans (-377 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.03%, up 37 bps from a year ago.
  • Funding: loans stand at 80.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+44 bps YoY

Efficiency Ratio (quarter, annualized)

75.63%-283 bps YoY

Tier 1 Leverage Ratio

13.03%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.62%0.80%0.66%0.62%+17 bps
Return on Equity3.81%5.19%6.57%5.34%5.03%+121 bps
Net Interest Margin3.28%3.62%3.65%3.90%3.72%+44 bps
Efficiency Ratio78.45%75.67%69.40%74.13%75.63%-283 bps
Non-Interest Burden2.48%2.64%2.40%2.79%2.67%+19 bps
Growth
Asset Growth (YoY)4.51%3.63%2.62%2.63%2.21%-230 bps
Loan Growth (YoY)-6.05%-8.52%6.88%13.87%21.30%+2,735 bps
Deposit Growth (YoY)-0.43%0.26%-0.70%1.74%2.25%+269 bps
Asset Quality
Nonperforming Loans / Loans5.08%1.63%1.30%2.66%1.31%-377 bps
Net Charge-Offs / Loans0.01%0.01%-0.29%0.01%0.00%-1 bps
Allowance / Loans1.16%1.19%1.11%1.11%1.10%-5 bps
Allowance Coverage of NPLs0.2x0.7x0.9x0.4x0.8x+0.6x
Capital
Tier 1 Leverage Ratio12.65%12.69%12.64%12.87%13.03%+37 bps
Total Risk-Based Capital20.22%20.26%18.46%12.87%18.53%-169 bps
Equity / Assets11.85%12.10%12.35%12.33%12.43%+58 bps
Liquidity & Funding
Loans / Deposits67.90%65.69%75.65%76.76%80.55%+1,265 bps
Liquid Assets / Assets17.10%19.13%14.28%13.93%11.94%-516 bps
CRE / Total Capitaln/a218%266%287%n/an/a