First Secure Community Bank: 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 Core deposits to total deposits: 1.38 percentage points lower than in Q1 2026, at 86.55%. First Secure Community Bank has the 30th lowest return on assets of the 323 banks headquartered in Illinois, at 0.29% as of Q2 2026. First Secure Community Bank's return on assets of 0.29% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.97 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.60% |
| Tier 1 risk-based capital ratio | 10.60% |
| Total risk-based capital ratio | 11.47% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 8.92% |
| Tangible equity to tangible assets | 8.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.85% |
| Non-performing assets ratio | 2.76% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 28.61% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 34.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.29% |
| Return on equity | 3.10% |
| Net interest margin | 3.45% |
| Efficiency ratio | 80.53% |
| Yield on earning assets | 5.89% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Core deposits to total deposits | 86.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.91% |
| Securities to assets | 11.75% |
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 | 11.90% | 11.90% | 12.98% | 8.73% | 0.23% |
| Q4 2023 | 11.61% | 11.61% | 12.67% | 8.92% | 0.10% |
| Q1 2024 | 11.17% | 11.17% | 12.18% | 8.94% | 0.15% |
| Q2 2024 | 11.04% | 11.04% | 12.02% | 8.87% | 0.16% |
| Q3 2024 | 11.01% | 11.01% | 11.91% | 8.94% | 0.23% |
| Q4 2024 | 11.22% | 11.22% | 12.15% | 8.80% | 0.18% |
| Q1 2025 | 11.28% | 11.28% | 12.27% | 9.12% | 0.16% |
| Q2 2025 | 10.90% | 10.90% | 11.83% | 9.39% | 0.22% |
| Q3 2025 | 10.82% | 10.82% | 11.62% | 9.29% | 0.33% |
| Q4 2025 | 10.59% | 10.59% | 11.37% | 9.26% | 0.31% |
| Q1 2026 | 10.55% | 10.55% | 11.36% | 9.31% | 0.30% |
| Q2 2026 | 10.60% | 10.60% | 11.47% | 9.43% | 0.29% |
First Secure Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35223) · FFIEC NIC profile (RSSD 2805535)