Bank Comparison
First Secure Bank and Trust CO. vs First Trust Bank of Illinois
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| CET1 Ratio | 14.22% | 16.09% |
| Tier 1 Capital Ratio | 14.22% | 16.09% |
| Total Capital Ratio | 15.46% | 16.77% |
| Tier 1 Leverage Ratio | 11.60% | 10.49% |
| Equity / Assets | 10.18% | 8.87% |
Profitability
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| Return on Assets (ROA) | 0.67% | 1.08% |
| Return on Equity (ROE) | 5.76% | 12.13% |
| Net Interest Margin (NIM) | 3.84% | 2.84% |
| Yield on Earning Assets | 6.15% | 4.16% |
| Cost of Funds | 2.19% | 1.44% |
Asset quality
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| Texas Ratio | 42.02% | 4.12% |
| Non-Performing Loan Ratio | 2.85% | 0.87% |
| Non-Performing Asset Ratio | 2.07% | 0.32% |
| Net Charge-Off Ratio | -0.03% | 0.00% |
| ACL / Loans | 1.20% | 1.18% |
Balance sheet
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| Total Assets | $395,368K | $394,326K |
| Total Deposits | $314,437K | $318,056K |
| Total Loans | $287,081K | $143,081K |
| Total Equity | $40,238K | $34,989K |
| Net Income (quarter) | $576 | $1,057K |
Liquidity & funding
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| Loan-to-Deposit Ratio | 91.30% | 44.99% |
| Core Deposit Ratio | 87.16% | 86.64% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Secure Bank and Trust CO. | First Trust Bank of Illinois |
|---|---|---|
| Headquarters City | PALOS HILLS | KANKAKEE |
| Headquarters State | IL | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 6 | 6 |
| Employees (FTE) | 39 | 35 |
| Established | Oct. 21, 1977, midnight | July 30, 1998, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full First Secure Bank and Trust CO. profile | View full First Trust Bank of Illinois profile | Browse all bank comparisons