First Secure Bank and Trust Co.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.53 percentage points higher than in Q1 2026, at 95.83%. Within Illinois, First Secure Bank and Trust Co. is 277th of 323 on return on assets, 0.49% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, First Secure Bank and Trust Co. reported 0.49% on return on assets in Q2 2026, 0.76 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.68% |
| Tier 1 risk-based capital ratio | 13.68% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 11.49% |
| Equity capital to assets | 10.26% |
| Tangible equity to tangible assets | 10.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.61% |
| Non-performing assets ratio | 2.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 43.34% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 44.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.49% |
| Return on equity | 4.30% |
| Net interest margin | 3.42% |
| Efficiency ratio | 79.88% |
| Yield on earning assets | 5.71% |
| Cost of funds | 2.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.83% |
| Core deposits to total deposits | 87.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 79.18% |
| Securities to assets | 5.01% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.28% | 13.28% | 14.53% | 10.17% | 0.44% |
| Q4 2023 | 13.10% | 13.10% | 14.35% | 10.04% | 0.35% |
| Q1 2024 | 13.32% | 13.32% | 14.57% | 10.21% | 0.15% |
| Q2 2024 | 13.62% | 13.62% | 14.87% | 10.56% | 0.21% |
| Q3 2024 | 13.16% | 13.16% | 14.41% | 10.46% | 0.31% |
| Q4 2024 | 13.50% | 13.50% | 14.70% | 9.85% | 0.09% |
| Q1 2025 | 13.49% | 13.49% | 14.72% | 9.77% | 0.15% |
| Q2 2025 | 14.30% | 14.30% | 15.55% | 10.52% | 0.39% |
| Q3 2025 | 14.55% | 14.55% | 15.80% | 11.22% | 0.47% |
| Q4 2025 | 14.01% | 14.01% | 15.25% | 10.98% | 0.63% |
| Q1 2026 | 14.22% | 14.22% | 15.46% | 11.60% | 0.67% |
| Q2 2026 | 13.68% | 13.68% | 14.86% | 11.49% | 0.49% |
First Secure Bank and Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Bank and Trust Co., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)