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
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 0.1% share · #74 of 147 inst. · $0.4B of $630.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.18% | 0.16% | 0.22% | 0.32% | 0.30% | 0.28% | 0.28% | +6 bps | |
| Return on Equity | 2.70% | 2.12% | 1.83% | 2.43% | 3.59% | 3.39% | 3.20% | 3.10% | +67 bps | |
| Net Interest Margin | 2.64% | 2.48% | 3.06% | 3.02% | 3.03% | 3.22% | 3.23% | 3.26% | +24 bps | |
| Efficiency Ratio | 79.34% | 86.34% | 77.37% | 78.08% | 85.23% | 85.90% | 80.31% | 80.69% | +260 bps | |
| Non-Interest Burden | 2.08% | 2.11% | 2.35% | 2.34% | 2.57% | 2.74% | 2.58% | 2.61% | +27 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 / Loans | 3.60% | 4.15% | 3.11% | 2.89% | 2.45% | 2.05% | 2.71% | 2.85% | -4 bps | |
| Net Charge-Offs / Loans | 0.70% | 0.08% | 0.46% | 0.62% | 0.54% | 0.08% | 0.13% | -0.02% | -63 bps | |
| Allowance / Loans | 1.09% | 1.16% | 1.23% | 1.14% | 0.96% | 0.89% | 0.92% | 0.99% | -15 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.4x | 0.4x | 0.4x | 0.4x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.94% | 8.80% | 9.12% | 9.39% | 9.29% | 9.26% | 9.31% | 9.43% | +3 bps | |
| Total Risk-Based Capital | 11.91% | 12.15% | 12.27% | 11.83% | 11.62% | 11.37% | 11.36% | 11.47% | -35 bps | |
| Equity / Assets | 8.65% | 8.58% | 8.94% | 8.96% | 8.98% | 8.88% | 8.87% | 8.92% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.91% | 74.10% | 76.98% | 82.83% | 83.23% | 89.48% | 90.42% | 91.41% | +857 bps | |
| Liquid Assets / Assets | 7.87% | 12.92% | 9.42% | 6.22% | 6.37% | 9.25% | 10.11% | 9.12% | +290 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 421% | 439% | 429% | n/a | n/a | |