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

Unfavorable gap of $13.1M · efficiency ratio beats 30% 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	0.28%	0.51%	0.84%	1.19%	Beats 19%	46 / 57
Return on Equity	3.13%	3.13%	7.76%	11.40%	Beats 25%	43 / 57
Net Interest Margin	3.25%	3.16%	3.63%	4.08%	Beats 30%	40 / 57
Efficiency Ratio	80.65%	59.57%	69.70%	81.06%	Beats 30%	41 / 57
Asset Quality
Nonperforming Loans / Loans	2.85%	0.06%	0.34%	1.78%	Beats 12%	50 / 56
Net Charge-Offs / Loans	0.03%	n/a	0.00%	0.01%	Beats 21%	45 / 56
Capital
Tier 1 Capital Ratio	10.60%	12.24%	16.06%	19.69%	Beats 14%	49 / 57
Total Risk-Based Capital Ratio	11.47%	12.54%	16.50%	20.95%	Beats 11%	51 / 57
Equity / Assets	8.92%	9.37%	11.56%	15.00%	Beats 21%	45 / 57
Liquidity & Funding
Loans / Deposits	91.41%	66.29%	85.59%	95.16%	63rd pctl	21 / 57
Loans / Assets	73.96%	57.07%	71.07%	78.13%	60th pctl	23 / 57
Brokered Deposits / Deposits	n/a	Not reported for this institution