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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 $77.7MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $380.7M11%Noninterest $47.1MQ2 2025Q2 2026

NIM

5.28%Q2 ’245.55%Q2 ’255.57%Q2 ’26+27%+8%

Non-interest income vs. expense

2.14%Q2 ’242.44%Q2 ’252.71%Q2 ’26+15%+12%

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 6 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 2.85% of loans (-4 bps YoY), with net recoveries of 0.02%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.28%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.26%+24 bps YoY

Efficiency Ratio (quarter, annualized)

80.69%+260 bps YoY

Tier 1 Leverage Ratio

9.43%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.32%0.30%0.28%0.28%+6 bps
Return on Equity2.43%3.59%3.39%3.20%3.10%+67 bps
Net Interest Margin3.02%3.03%3.22%3.23%3.26%+24 bps
Efficiency Ratio78.08%85.23%85.90%80.31%80.69%+260 bps
Non-Interest Burden2.34%2.57%2.74%2.58%2.61%+27 bps
Growth
Asset Growth (YoY)0.13%0.24%2.03%5.04%4.30%+416 bps
Loan Growth (YoY)3.26%5.64%16.48%18.31%13.54%+1,028 bps
Deposit Growth (YoY)-3.08%-2.38%-3.53%0.72%2.89%+597 bps
Asset Quality
Nonperforming Loans / Loans2.89%2.45%2.05%2.71%2.85%-4 bps
Net Charge-Offs / Loans0.62%0.54%0.08%0.13%-0.02%-63 bps
Allowance / Loans1.14%0.96%0.89%0.92%0.99%-15 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio9.39%9.29%9.26%9.31%9.43%+3 bps
Total Risk-Based Capital11.83%11.62%11.37%11.36%11.47%-35 bps
Equity / Assets8.96%8.98%8.88%8.87%8.92%-4 bps
Liquidity & Funding
Loans / Deposits82.83%83.23%89.48%90.42%91.41%+857 bps
Liquid Assets / Assets6.22%6.37%9.25%10.11%9.12%+290 bps
CRE / Total Capitaln/a421%439%429%n/an/a