First Secure Community Bank
BankRegReports is independent of First Secure Community Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Secure Community Bank is an FDIC-insured commercial bank headquartered in Sugar Grove, IL, established in 2000 (FDIC certificate 35223), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $528.8M, up 4.3% from Q2 2025, the 96th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 10.60% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 35223
- Headquarters
- Sugar Grove, IL
- Established
- 2000
- Total assets, Q2 2026
- $528.8M
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 10.60%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 071926058
- Holding company
- FIRST SECURE BANK GROUP, INC.
- Asset rank in state
- 96th of 319 in Illinois
First Secure Community Bank spends more to run itself than most banks of its size. It reported $529 million in assets at June 30, 2026, up 4.3% from a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 10.60% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Its $98 million commercial and industrial book is improving, with 2.74% past due or on nonaccrual, down from 8.39% a year earlier. Its $132 million non-owner-occupied commercial real estate book is improving, with 5.32% past due or on nonaccrual, down from 11.09% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, 2.6 times the median of 1.2 times for banks its size.
As of June 30, 2026, First Secure Community Bank reported a CET1 capital ratio of 10.60%, a return on assets of 0.29%, a nonperforming-loan ratio of 2.85% and a Texas ratio of 28.61%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Secure Community Bank is the 96th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $528.8M, loans rose 2.0% and deposits rose 0.9%. Non-owner-occupied commercial real estate loans made up 33.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 25.0%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Joliet office books 50% of its branch deposits. Judged on its Q2 2026 call report, First Secure Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 670 N Sugar Grove Pkwy, Sugar Grove, IL 60554
- County
- Kane
- 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
- —
- Call Report form
- FFIEC 051
- Established
- February 7, 2000
- Former names
- American Heartland Bank and Trust (2006-2016)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 44
- Domestic deposits
- $427.8M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $101K
- Average total assets
- $504.5M
- Average total loans
- $389.7M
- Average interest-bearing deposits
- $375.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 7, 2000
- FDIC Cert
- 35223
- Fed RSSD
- 2805535
- SEC CIK
- 1460451 → filed by FIRST SECURE BANK GROUP, INC.
- Website
- http://www.1stsecurebank.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 Community Bank's total assets moved between a low of $498.1M (Q4 2023) and a high of $528.8M (Q2 2026) 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
$528.8M total assets against $507.0M; $481.6M total liabilities against $461.5M.
$387.2M net loans and leases against $340.5M; $427.8M total deposits against $415.8M.
$62.1M securities against $103.2M; $50.0M cash and balances due against $33.5M.
$7.0M total interest income against $6.8M; $2.9M total interest expense against $3.1M.
$4.1M net interest income against $3.7M.
$123K total noninterest income against $116K; $3.4M total noninterest expense against $3.0M.
$300K provision for credit losses against $450K.
$364K net income against $274K.
0.29% return on assets against 0.22%; 3.45% net interest margin against 3.20%.
10.60% CET1 capital ratio against 10.90%; 9.43% tier 1 leverage ratio against 9.39%.
Inside the full First Secure Community Bank 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.
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 Community Bank rankings
Its closest position to the top of a national ranking is 66 of 3,640, for Texas Ratio; its furthest is 2,032 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.16% (Q1 2025) to 0.33% (Q3 2025) and its net interest margin ran from 2.63% (Q4 2024) to 3.45% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.60% | 0.29% | 2.85% | 28.61% | 3.45% |
| Q1 2026 | 10.55% | 0.30% | 2.71% | 27.46% | 3.40% |
| Q4 2025 | 10.59% | 0.31% | 2.05% | 15.53% | 3.41% |
| Q3 2025 | 10.82% | 0.33% | 2.45% | 17.70% | 3.22% |
| Q2 2025 | 10.90% | 0.22% | 2.89% | 20.15% | 3.20% |
| Q1 2025 | 11.28% | 0.16% | 3.11% | 20.61% | 3.24% |
| Q4 2024 | 11.22% | 0.18% | 4.15% | 28.07% | 2.63% |
| Q3 2024 | 11.01% | 0.23% | 3.60% | 25.39% | 2.82% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Essington Road Branch | Joliet , IL | 60435 | $215.7M |
| First Secure Community Bank (main office) | Sugar Grove , IL | 60554 | $114.3M |
| First Secure Community Bank of Aurora | Aurora , IL | 60506 | $42.1M |
| Morris Branch | Morris , IL | 60450 | $39.5M |
| Naperville Branch | Naperville , IL | 60563 | $16.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 121 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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
Add this badge to your website
Free to use. It shows First Secure Community Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First Secure Community Bank with peers
Frequently asked about First Secure Community Bank
What are First Secure Community Bank's total assets?
As of the Q2 2026 filing, First Secure Community Bank reported total assets of $528.8 million in its FFIEC call report.
Where is First Secure Community Bank headquartered?
It is headquartered in Sugar Grove, IL, United States.
When was First Secure Community Bank founded?
It was established in 2000, per the FDIC institution directory.
Is First Secure Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35223). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Secure Community Bank?
First Secure Community Bank's primary federal regulator is the FDIC.
What is First Secure Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.60% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Secure Community Bank operate?
It operates 5 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 Community Bank's Texas Ratio?
Its Texas Ratio is 28.61% 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 Community Bank previously called?
The charter now named First Secure Community Bank has also operated as American Heartland Bank and Trust (2006-2016), per FDIC structure-change records.
Go deeper on First Secure Community Bank.
Get an email when First Secure Community Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Secure Community Bank, freeFree account