BanksFirst Secure Bank and Trust CO.

First Secure Bank and Trust CO.

PALOS HILLS, ILSmallEst. Oct 21, 1977FDIC #22536RSSD #25647FDIC

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Operating from Palos Hills, IL, First Secure Bank and Trust Co. serves its local market as an FDIC-insured commercial bank. As of Q1 2026, the bank held approximately $395M in total assets and $314M in deposits. Profitability runs below industry average — 0.67% ROA, 5.76% ROE, with NIM at 3.84%. Regulatory capital is solid — 14.22% CET1 and 15.46% total risk-based capital ratio. Asset quality merits closer attention with NPLs at 2.85%. 6 branches make up the footprint.

Headquarters Profile

Address: 10360 S Roberts Rd, PALOS HILLS, IL 60465
County: Cook
Metro Area: CHICAGO-NAPERVILLE-ELGIN, IL-IN
Charter: Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator: FDIC
Fed District: 9
Established: October 21, 1977
Branches: 6 domestic
Employees (FTE): 39
FDIC Cert: 22536
Fed RSSD: 25647
Website: WWW.FIRSTSECUREBANK.COM →
Parent Holding Company: FIRST SECURE BANK GROUP, INC. (RSSD 2805544)

Assets

$395M

Deposits

$314M

Loans

$287M

Equity

$40M

Profitability

Return on Assets0.67%

Return on Equity5.76%

Net Interest Margin3.84%

Yield on Earning Assets6.15%

Cost of Funds2.19%

Asset Quality

Non-Performing Loan Ratio2.85%

Net Charge-Off Ratio-0.03%

Texas Ratio42.02%

Non-Performing Asset Ratio2.07%

ACL / Loans1.20%

Capital & Liquidity

CET1 Capital Ratio14.22%

Tier 1 Capital Ratio14.22%

Total Capital Ratio15.46%

Tier 1 Leverage Ratio11.60%

Loan-to-Deposit Ratio91.30%

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First Secure Bank and Trust CO. 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.

Largest US Banks by Assets

#2,210of 4,552

395368.00 · 51th pct

US Banks with Highest Return on Assets (ROA)

#3,151of 3,912

0.67% · 19th pct

US Banks with Highest CET1 Capital Ratio

#1,212of 2,425

14.22% · 50th pct

US Banks with Highest Texas Ratio

#47of 3,908

42.02% · 99th pct

Most Efficient US Banks (Lowest Efficiency Ratio)

#3,142of 3,911

75.58% · 20th pct

Quarterly trend — last 6 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
2026-03-31	14.22%	0.67%	2.85%	42.02%	3.84%
2025-12-31	14.01%	0.63%	3.02%	29.54%	3.60%
2025-09-30	14.55%	0.47%	4.12%	32.50%	3.40%
2025-06-30	14.30%	0.39%	4.06%	29.99%	3.06%
2025-03-31	13.49%	0.15%	2.90%	40.86%	2.56%
2024-12-31	13.50%	0.09%	2.58%	43.98%	2.44%

Branch Network

Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.

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Branch	Location	ZIP	Deposits
Loading branches…

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Compare First Secure Bank and Trust CO. with peers

Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.

First Secure Bank and Trust C… vs First State Bank Southwest

PIPESTONE, MN · $395M assets

First Secure Bank and Trust C… vs Exchange Bank of Alabama, the

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First Secure Bank and Trust C… vs American Bank of Oklahoma

Collinsville, OK · $395M assets

First Secure Bank and Trust C… vs Citizens Bank of the South

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First Secure Bank and Trust C… vs First Trust Bank of Illinois

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Frequently asked about First Secure Bank and Trust CO.

What are First Secure Bank and Trust CO.'s total assets?

As of the Q1 2026 filing, First Secure Bank and Trust CO. reported total assets of $395.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.

Where is First Secure Bank and Trust CO. headquartered?

First Secure Bank and Trust CO. is headquartered in PALOS HILLS, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.

When was First Secure Bank and Trust CO. founded?

First Secure Bank and Trust CO. was established in 1977, per the FDIC institution directory.

Is First Secure Bank and Trust CO. FDIC-insured?

Yes. First Secure Bank and Trust CO. is an FDIC-insured commercial bank (FDIC Certificate #22536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates First Secure Bank and Trust CO.?

First Secure Bank and Trust CO.'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 Bank and Trust CO.'s CET1 capital ratio?

First Secure Bank and Trust CO. reported a Common Equity Tier 1 (CET1) capital ratio of 14.22% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.

How many branches does First Secure Bank and Trust CO. operate?

First Secure Bank and Trust CO. operates 6 domestic branches, per the most recent FDIC Summary of Deposits filing.

What is First Secure Bank and Trust CO.'s Texas Ratio?

First Secure Bank and Trust CO.'s Texas Ratio is 42.02% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.

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