First Security Bank
Mackinaw, IL · Cert 3698 · Peer group: banks under $1B in assets (n=581-629) · First Bcorp of Taylorville Inc.
State charter, non-member · FDIC · 1 affiliate bank · 4 branches (6 in holding)
Q2 2026
$151.1MAssets
$123.7MLoans
$126.0MDeposits
$16.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets (rank 608 of 629).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.87%
Rank 384 of 629
Net Interest Margin
3.84%
Rank 213 of 629
Efficiency Ratio
66.92%
Rank 299 of 629
Equity / Assets
11.16%
Rank 276 of 629
Non-interest income vs. expense
Unfavorable gap of $3.7M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.60% | 1.01% | 1.45% | Beats 39% | 384 / 629 | |
| Return on Equity | 7.79% | 5.38% | 9.30% | 13.28% | Beats 39% | 385 / 629 | |
| Net Interest Margin | 3.84% | 3.03% | 3.54% | 4.05% | Beats 66% | 213 / 629 | |
| Efficiency Ratio | 66.92% | 58.35% | 67.79% | 79.08% | Beats 53% | 299 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 71% | 172 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 9.22% | 11.24% | 13.84% | 18.77% | Beats 3% | 608 / 629 | |
| Total Risk-Based Capital Ratio | 9.22% | 11.58% | 14.43% | 19.66% | Beats 3% | 608 / 629 | |
| Equity / Assets | 11.16% | 9.09% | 10.65% | 13.80% | Beats 56% | 276 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 98.21% | 67.24% | 80.90% | 93.48% | 83rd pctl | 102 / 594 | |
| Loans / Assets | 81.85% | 53.31% | 67.71% | 78.15% | 86th pctl | 90 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |