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 | |