FIRST SECURE BANK AND TRUST CO.

PALOS HILLS, IL | Small | Est. Oct. 21, 1977, midnight | FDIC #22536 | RSSD #25647 | FDIC
Latest Report: 2025-12-31

FIRST SECURE BANK AND TRUST CO. is asn small FDIC-insured commercial bank headquartered in PALOS HILLS, IL, established in Oct. 21, 1977, midnight. As of 2025-12-31, the bank reported total assets of $392M and total deposits of $308M. Profitability stands at 0.59% ROA and 5.76% ROE, with a net interest margin of 3.53%. The bank's CET1 capital ratio is 14.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.02% and a Texas Ratio of 20.11%. FDIC Certificate #22536.

Assets

$392M

Deposits

$308M

Loans

$288M

Equity

$40M

Profitability

Return on Assets (ROA) 0.59%
Return on Equity (ROE) 5.76%
Net Interest Margin (NIM) 3.53%
Yield on Assets 6.00%
Cost of Funds 2.55%

Asset Quality

NPL Ratio 3.02%
Net Charge-Off Ratio -0.02%
Texas Ratio 20.11%
NPA Ratio 2.21%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 14.01%
Tier 1 Capital 14.01%
Total Capital Ratio 15.25%
Leverage Ratio 10.98%
Loan-to-Deposit 93.55%

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