FIRST SECURE STATE BANK

WONDER LAKE, IL | Small | Est. Oct. 22, 1979, midnight | FDIC #22971 | RSSD #285348 | FDIC
Latest Report: 2025-12-31

FIRST SECURE STATE BANK is asn small FDIC-insured commercial bank headquartered in WONDER LAKE, IL, established in Oct. 22, 1979, midnight. As of 2025-12-31, the bank reported total assets of $302M and total deposits of $247M. Profitability stands at 0.80% ROA and 6.57% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 17.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.27% and a Texas Ratio of 6.00%. FDIC Certificate #22971.

Assets

$302M

Deposits

$247M

Loans

$187M

Equity

$37M

Profitability

Return on Assets (ROA) 0.80%
Return on Equity (ROE) 6.57%
Net Interest Margin (NIM) 3.79%
Yield on Assets 5.17%
Cost of Funds 1.45%

Asset Quality

NPL Ratio 1.27%
Net Charge-Off Ratio -0.07%
Texas Ratio 6.00%
NPA Ratio 0.78%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 17.46%
Tier 1 Capital 17.46%
Total Capital Ratio 18.46%
Leverage Ratio 12.64%
Loan-to-Deposit 75.65%

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