FIRST SECURE COMMUNITY BANK
FIRST SECURE COMMUNITY BANK is an FDIC-insured commercial bank headquartered in SUGAR GROVE, IL, established in 2000. As of , 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 3.42%. CET1 capital ratio: 10.59%, well above regulatory minimums. NPL ratio: 2.11% · Texas Ratio: 15.94%. Operates 5 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First Secure Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.59% | 0.30% | 2.11% | 15.94% | 3.42% |
| 2025-09-30 | 10.82% | 0.32% | 2.36% | 16.98% | 3.20% |
| 2025-06-30 | 10.90% | 0.22% | 2.93% | 20.48% | 3.19% |
| 2025-03-31 | 11.28% | 0.16% | 3.00% | 19.88% | 3.25% |
| 2024-12-31 | 11.22% | 0.18% | 3.54% | 23.93% | 2.63% |
| 2024-09-30 | 11.01% | 0.23% | 2.74% | 19.31% | 2.80% |
| 2024-06-30 | 11.04% | 0.16% | 3.38% | 24.11% | 2.53% |
| 2024-03-31 | 11.17% | 0.15% | 3.65% | 24.77% | 2.40% |
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Frequently asked about FIRST SECURE COMMUNITY BANK
What are First Secure Community Bank's total assets?
As of the Q4 2025 filing, First Secure Community Bank reported total assets of $525.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Secure Community Bank headquartered?
First Secure Community Bank is headquartered in SUGAR GROVE, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Secure Community Bank founded?
First Secure Community Bank was established in 2000, per the FDIC institution directory.
Is First Secure Community Bank FDIC-insured?
Yes. First Secure Community Bank is an FDIC-insured commercial bank (FDIC Certificate #35223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Secure Community Bank?
First Secure Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Secure Community Bank's CET1 capital ratio?
First Secure Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.59% in its most recent quarterly filing — above regulatory minimums.
How many branches does First Secure Community Bank operate?
First Secure Community Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First Secure Community Bank's Texas Ratio?
First Secure Community Bank's Texas Ratio is 15.94% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.