First Secure Bank and Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
First Secure Bank and Trust Co. is an FDIC-insured commercial bank headquartered in Palos Hills, IL, established in 1977 (FDIC certificate 22536), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $396.2M, up 6.3% from Q2 2025, the 122nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22536
- Headquarters
- Palos Hills, IL
- Established
- 1977
- Total assets, Q2 2026
- $396.2M
- Assets vs Q2 2025
- +6.3%
- CET1 ratio, Q2 2026
- 13.68%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071924681
- Holding company
- FIRST SECURE BANK GROUP, INC.
- Asset rank in state
- 122nd of 319 in Illinois
Problem loans are rising at First Secure Bank and Trust Co.. It reported $396 million in assets at June 30, 2026, up 6.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 6.29% of loans from 4.53% a year earlier. It holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 43.3% of the capital and reserves that would absorb them, 16.4 times the median of 2.6% for banks its size.
The non-owner-occupied commercial real estate book ($104 million) is worsening: 12.90% of it is past due or on nonaccrual, up from 8.60% a year earlier. The multifamily book ($38 million) is worsening: 10.19% of it is past due or on nonaccrual, up from 4.75% a year earlier. Profitability lags: it returns 4.3% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, First Secure Bank and Trust Co. reported a CET1 capital ratio of 13.68%, a return on assets of 0.49%, a nonperforming-loan ratio of 6.29% and a Texas ratio of 43.34%. The figures come from its call report filed with the FFIEC.
First Secure Bank and Trust Co. ranks as the 122nd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.2% to $396.2M, loans rose 4.7% and deposits fell 0.2%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 34.5% of total loans, followed by 1-4 family residential loans at 18.7%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Palos Hills office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Secure Bank and Trust Co. meets every capital ratio test for well capitalized.
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
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 21, 1977
- Former names
- Family Bank and Trust Co. (2000-2009)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $313.7M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- -$24K
- Average total assets
- $352.5M
- Average total loans
- $291.6M
- Average interest-bearing deposits
- $256.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 21, 1977
- FDIC Cert
- 22536
- Fed RSSD
- 25647
- SEC CIK
- 1460451 → filed by FIRST SECURE BANK GROUP, INC.
- Website
- WWW.FIRSTSECUREBANK.COM →
- Parent Holding Company
- FIRST SECURE BANK GROUP, INC. (RSSD 2805544)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
First Secure Bank and Trust Co.'s total assets moved between a low of $359.2M (Q3 2023) and a high of $397.6M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$396.2M total assets against $372.8M; $355.6M total liabilities against $334.5M.
$297.2M net loans and leases against $273.3M; $313.7M total deposits against $305.4M.
$19.8M securities against $25.2M; $66.5M cash and balances due against $62.3M.
$4.9M total interest income against $5.1M; $2.0M total interest expense against $2.4M.
$2.9M net interest income against $2.7M.
$105K total noninterest income against $100K; $2.4M total noninterest expense against $2.3M.
$0 provision for credit losses against $0.
$435K net income against $359K.
0.49% return on assets against 0.39%; 3.42% net interest margin against 3.06%.
13.68% CET1 capital ratio against 14.30%; 11.49% tier 1 leverage ratio against 10.52%.
Inside the full First Secure Bank and Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Secure Bank and Trust Co. rankings
Its closest position to the top of a national ranking is 22 of 3,640, for Texas Ratio; its furthest is 3,251 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.09% (Q4 2024) to 0.67% (Q1 2026) and its net interest margin ran from 2.44% (Q4 2024) to 3.84% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.68% | 0.49% | 6.29% | 43.34% | 3.42% |
| Q1 2026 | 14.22% | 0.67% | 6.40% | 42.02% | 3.84% |
| Q4 2025 | 14.01% | 0.63% | 4.43% | 29.54% | 3.60% |
| Q3 2025 | 14.55% | 0.47% | 4.94% | 32.50% | 3.40% |
| Q2 2025 | 14.30% | 0.39% | 4.53% | 29.99% | 3.06% |
| Q1 2025 | 13.49% | 0.15% | 5.88% | 40.86% | 2.56% |
| Q4 2024 | 13.50% | 0.09% | 6.21% | 43.98% | 2.44% |
| Q3 2024 | 13.16% | 0.31% | 4.21% | 30.06% | 3.03% |
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Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Secure Bank and Trust Co. (main office) | Palos Hills , IL | 60465 | $175.9M |
| Orland Park Branch | Orland Park , IL | 60467 | $43.1M |
| Mokena Branch | Mokena , IL | 60448 | $30.0M |
| Oak Forest Branch | Oak Forest , IL | 60452 | $27.3M |
| Palos Park Branch | Palos Park , IL | 60464 | $27.3M |
| Tinley Park Branch | Tinley Park , IL | 60477 | $10.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 155 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1997 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, First Secure Bank and Trust Co. reported total assets of $396.2 million in its FFIEC call report.
Where is First Secure Bank and Trust Co. headquartered?
It is headquartered in Palos Hills, IL, United States.
When was First Secure Bank and Trust Co. founded?
It was established in 1977, per the FDIC institution directory.
Is First Secure Bank and Trust Co. FDIC-insured?
Yes. It 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.
What is First Secure Bank and Trust Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Secure Bank and Trust Co. operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Secure Bank and Trust Co.'s Texas Ratio?
Its Texas Ratio is 43.34% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was First Secure Bank and Trust Co. previously called?
The charter now named First Secure Bank and Trust Co. has also operated as Family Bank and Trust Co. (2000-2009), per FDIC structure-change records.
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