First Secure Bank and Trust Co.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 5.1% to $295.3M. First Secure Bank and Trust Co. ranks 128th of 198 Illinois banks on CET1 ratio, in the lower half at 13.68% (Q2 2026). First Secure Bank and Trust Co. reported 13.68% on CET1 ratio for Q2 2026, 1.40 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.68% |
| Tier 1 risk-based capital ratio | 13.68% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 11.49% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $40.4M |
| Tier 1 capital | $40.4M |
| Total risk-based capital | $43.9M |
| Total equity capital | $40.7M |
| Risk-weighted assets | $295.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.26% |
| Tangible equity to tangible assets | 10.26% |
| Equity capital to average assets | 11.53% |
| Internal capital growth rate | 4.32% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $12K |
| Common stock surplus | $30.8M |
| Retained earnings | $10.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$812K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.28% | 13.28% | 14.53% | 10.17% | $268.2M |
| Q4 2023 | 13.10% | 13.10% | 14.35% | 10.04% | $274.2M |
| Q1 2024 | 13.32% | 13.32% | 14.57% | 10.21% | $276.3M |
| Q2 2024 | 13.62% | 13.62% | 14.87% | 10.56% | $271.6M |
| Q3 2024 | 13.16% | 13.16% | 14.41% | 10.46% | $282.7M |
| Q4 2024 | 13.50% | 13.50% | 14.70% | 9.85% | $280.7M |
| Q1 2025 | 13.49% | 13.49% | 14.72% | 9.77% | $282.0M |
| Q2 2025 | 14.30% | 14.30% | 15.55% | 10.52% | $268.5M |
| Q3 2025 | 14.55% | 14.55% | 15.80% | 11.22% | $266.8M |
| Q4 2025 | 14.01% | 14.01% | 15.25% | 10.98% | $281.0M |
| Q1 2026 | 14.22% | 14.22% | 15.46% | 11.60% | $281.0M |
| Q2 2026 | 13.68% | 13.68% | 14.86% | 11.49% | $295.3M |
First Secure Bank and Trust Co. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Bank and Trust Co., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Secure Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22536) · FFIEC NIC profile (RSSD 25647)