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First Secure Community Bank

Sugar Grove, IL · Cert 35223 · First Secure Bank Group Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

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.

Peer group

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.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

17

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

77

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Secure Community Bank

Sugar Grove, IL · Cert 35223 · First Secure Bank Group Inc.

State charter, non-member · FDIC · 2 affiliate banks · 5 branches (18 in holding)

Q2 2026

$528.8MAssets
$391.1MLoans
$427.8MDeposits
$47.2MEquity
Loan mix
56%RE $214.6M23%C&I $89.6M20%Consumer $77.7MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $380.7M11%Noninterest $47.1MQ3 2024Q2 2026

Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #74 of 147 inst. · $0.4B of $630.7B

0.9% Will
1.0% Kane
2.3% Grundy
0.0% DuPage

Executive Summary

  • Earnings: ROA of 0.28%, up 9 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 2.85% of loans (-4 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.43%, up 3 bps from a year ago.
  • Funding: loans stand at 91.41% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.28%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+17 bps YoY

Efficiency Ratio (YTD, annualized)

80.50%+278 bps YoY

Tier 1 Leverage Ratio

9.43%+3 bps YoY

NIM

5.17%Q2 ’245.67%Q2 ’255.56%Q2 ’26+33%+6%

Non-interest income vs. expense

2.08%Q2 ’242.47%Q2 ’252.70%Q2 ’26+19%+10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.18%0.16%0.19%0.23%0.25%0.28%0.28%+9 bps
Return on Equity2.11%2.12%1.83%2.13%2.62%2.82%3.20%3.15%+102 bps
Net Interest Margin2.43%2.40%3.06%3.07%3.02%3.04%3.23%3.25%+17 bps
Efficiency Ratio83.61%84.33%77.37%77.72%80.24%81.79%80.31%80.50%+278 bps
Non-Interest Burden2.02%2.01%2.35%2.37%2.41%2.47%2.58%2.60%+23 bps
Growth
Asset Growth (YoY)0.90%3.48%0.85%0.13%0.24%2.03%5.04%4.30%+416 bps
Loan Growth (YoY)20.84%9.92%2.78%3.26%5.64%16.48%18.31%13.54%+1,028 bps
Deposit Growth (YoY)2.36%3.39%-1.85%-3.08%-2.38%-3.53%0.72%2.89%+597 bps
Asset Quality
Nonperforming Loans / Loans3.60%4.15%3.11%2.89%2.45%2.05%2.71%2.85%-4 bps
Net Charge-Offs / Loans0.39%0.33%0.46%0.53%0.52%0.39%0.13%0.05%-47 bps
Allowance / Loans1.09%1.16%1.23%1.14%0.96%0.89%0.92%0.99%-15 bps
Allowance Coverage of NPLs0.3x0.3x0.4x0.4x0.4x0.4x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio8.94%8.80%9.12%9.39%9.29%9.26%9.31%9.43%+3 bps
Total Risk-Based Capital11.91%12.15%12.27%11.83%11.62%11.37%11.36%11.47%-35 bps
Equity / Assets8.65%8.58%8.94%8.96%8.98%8.88%8.87%8.92%-4 bps
Liquidity & Funding
Loans / Deposits76.91%74.10%76.98%82.83%83.23%89.48%90.42%91.41%+857 bps
Liquid Assets / Assets7.87%12.92%9.42%6.22%6.37%9.25%10.11%9.12%+290 bps
CRE / Total Capitaln/an/an/an/a421%439%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Secure Community Bank

Sugar Grove, IL · Cert 35223 · 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 · 5 branches (18 in holding)

Q2 2026

$528.8MAssets
$391.1MLoans
$427.8MDeposits
$47.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 30% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 40 of 57).
  • Widest gap: total risk-based capital ratio trails 89% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 51 of 57).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.28%

Rank 46 of 57

Net Interest Margin

3.25%

Rank 40 of 57

Efficiency Ratio

80.65%

Rank 41 of 57

Equity / Assets

8.92%

Rank 45 of 57

Non-interest income vs. expense

$0.5M$13.6MINCOMEEXPENSE
Unfavorable gap of $13.1M · efficiency ratio beats 30% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 80.65%Peer median 69.7%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.28%0.51%0.84%1.19%Beats 19%46 / 57
Return on Equity3.13%3.13%7.76%11.40%Beats 25%43 / 57
Net Interest Margin3.25%3.16%3.63%4.08%Beats 30%40 / 57
Efficiency Ratio80.65%59.57%69.70%81.06%Beats 30%41 / 57
Asset Quality
Nonperforming Loans / Loans2.85%0.06%0.34%1.78%Beats 12%50 / 56
Net Charge-Offs / Loans0.03%n/a0.00%0.01%Beats 21%45 / 56
Capital
Tier 1 Capital Ratio10.60%12.24%16.06%19.69%Beats 14%49 / 57
Total Risk-Based Capital Ratio11.47%12.54%16.50%20.95%Beats 11%51 / 57
Equity / Assets8.92%9.37%11.56%15.00%Beats 21%45 / 57
Liquidity & Funding
Loans / Deposits91.41%66.29%85.59%95.16%63rd pctl21 / 57
Loans / Assets73.96%57.07%71.07%78.13%60th pctl23 / 57
Brokered Deposits / Depositsn/aNot reported for this institution