FIRST SECURE COMMUNITY BANK

SUGAR GROVE, IL | Medium | Est. Feb. 7, 2000, midnight | FDIC #35223 | RSSD #2805535 | FDIC
Latest Report: 2025-12-31

FIRST SECURE COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in SUGAR GROVE, IL, established in Feb. 7, 2000, midnight. As of 2025-12-31, the bank reported total assets of $526M and total deposits of $422M. Profitability stands at 0.30% ROA and 3.39% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.05% and a Texas Ratio of 15.52%. FDIC Certificate #35223.

Assets

$526M

Deposits

$422M

Loans

$378M

Equity

$47M

Profitability

Return on Assets (ROA) 0.30%
Return on Equity (ROE) 3.39%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.97%
Cost of Funds 2.61%

Asset Quality

NPL Ratio 2.05%
Net Charge-Off Ratio 0.39%
Texas Ratio 15.52%
NPA Ratio 1.48%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.37%
Leverage Ratio 9.26%
Loan-to-Deposit 89.48%

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