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 (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 | 0.18% | 0.18% | 0.16% | 0.19% | 0.23% | 0.25% | 0.28% | 0.28% | +9 bps | |
| Return on Equity | 2.11% | 2.12% | 1.83% | 2.13% | 2.62% | 2.82% | 3.20% | 3.15% | +102 bps | |
| Net Interest Margin | 2.43% | 2.40% | 3.06% | 3.07% | 3.02% | 3.04% | 3.23% | 3.25% | +17 bps | |
| Efficiency Ratio | 83.61% | 84.33% | 77.37% | 77.72% | 80.24% | 81.79% | 80.31% | 80.50% | +278 bps | |
| Non-Interest Burden | 2.02% | 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 / Loans | 3.60% | 4.15% | 3.11% | 2.89% | 2.45% | 2.05% | 2.71% | 2.85% | -4 bps | |
| Net Charge-Offs / Loans | 0.39% | 0.33% | 0.46% | 0.53% | 0.52% | 0.39% | 0.13% | 0.05% | -47 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 | |