First Secure Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Secure Community Bank of Sugar Grove, IL against its peer group of 2757 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 | 0.29% | 1.25% | -0.96% | 7th bottom |
| ROAE | 3.10% | 12.22% | -9.12% | 8th bottom |
| Net Interest Margin | 3.45% | 3.95% | -0.50% | 25th below |
| Efficiency Ratio | 80.53% | 63.71% | +16.82% | 12th bottom |
| PPNR / Avg Assets | 0.64% | — | — | 10th bottom |
| Yield on Earning Assets | 5.89% | 5.67% | +0.22% | 63rd above |
| Cost of Funds | 2.58% | 1.87% | +0.71% | 13th bottom |
| Net Interest Spread | 3.18% | — | — | 42nd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.85% | 0.88% | +1.97% | 7th bottom |
| NPA / Total Assets | 2.76% | — | — | 4th bottom |
| NCO / Avg Loans | -0.02% | 0.15% | -0.17% | 91st top |
| ACL / Total Loans | 0.99% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 34.62% | — | — | 5th bottom |
| Texas Ratio | 28.61% | 5.96% | +22.65% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.60% | 17.18% | -6.58% | 5th bottom |
| Tier 1 Ratio | 10.60% | 17.21% | -6.61% | 5th bottom |
| Total Capital Ratio | 11.47% | — | — | 4th bottom |
| Leverage Ratio | 9.43% | 11.75% | -2.32% | 19th bottom |
| Equity / Assets | 8.92% | 10.98% | -2.06% | 25th below |
| TCE / Tangible Assets | 8.92% | — | — | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.41% | 80.44% | +10.97% | 25th below |
| Core Deposit Ratio | 86.55% | 86.95% | -0.40% | 37th below |
| Wholesale Funding Ratio | 9.46% | — | — | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.30% | — | — | 48th below |
| Loan Growth (Y/Y) | 13.54% | — | — | 83rd top |
| Deposit Growth (Y/Y) | 2.89% | — | — | 42nd below |
See First Secure Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Secure Community Bank, 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 Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Secure Community Bank peer analysis.