First Secure Bank and Trust Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Secure Bank and Trust Co. of Palos Hills, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.49% | 1.35% | -0.86% | 13th bottom |
| ROAE | 4.30% | 12.06% | -7.76% | 12th bottom |
| Net Interest Margin | 3.42% | 3.90% | -0.48% | 25th below |
| Efficiency Ratio | 79.88% | 63.14% | +16.74% | 14th bottom |
| PPNR / Avg Assets | 0.69% | 1.64% | -0.95% | 12th bottom |
| Yield on Earning Assets | 5.71% | 5.65% | +0.06% | 55th above |
| Cost of Funds | 2.56% | 1.85% | +0.71% | 14th bottom |
| Net Interest Spread | 3.14% | 3.35% | -0.21% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.61% | 0.92% | +1.69% | 9th bottom |
| NPA / Total Assets | 2.03% | 0.67% | +1.36% | 7th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| ACL / NPLs (Coverage) | 44.12% | 1645.82% | -1601.70% | 8th bottom |
| Texas Ratio | 43.34% | 7.14% | +36.20% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.68% | 20.83% | -7.15% | 36th below |
| Tier 1 Ratio | 13.68% | 20.87% | -7.19% | 36th below |
| Total Capital Ratio | 14.86% | 21.94% | -7.08% | 36th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.49% | 12.46% | -0.97% | 58th above |
| Equity / Assets | 10.26% | 11.67% | -1.41% | 49th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.26% | 11.40% | -1.14% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.83% | 78.64% | +17.19% | 17th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.62% | 87.09% | +0.53% | 42nd below |
| Wholesale Funding Ratio | 10.09% | 5.11% | +4.98% | 14th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.28% | 6.47% | -0.19% | 64th above |
| Loan Growth (Y/Y) | 8.64% | 7.64% | +1.00% | 68th above |
| Deposit Growth (Y/Y) | 2.73% | 6.02% | -3.29% | 41st below |
See First Secure Bank and Trust Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Secure Bank and Trust Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Secure Bank and Trust Co. profile, how to read a UBPR, or how this data updates.