First Secure State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Secure State Bank of Wonder Lake, 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 | 0.66% | 1.25% | -0.59% | 16th bottom |
| ROAE | 5.03% | 12.22% | -7.19% | 13th bottom |
| Net Interest Margin | 3.93% | 3.95% | -0.02% | 49th below |
| Efficiency Ratio | 75.62% | 63.71% | +11.91% | 17th bottom |
| PPNR / Avg Assets | 1.02% | — | — | 20th bottom |
| Yield on Earning Assets | 5.19% | 5.67% | -0.48% | 30th below |
| Cost of Funds | 1.36% | 1.87% | -0.51% | 77th top |
| Net Interest Spread | 3.66% | — | — | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.31% | 0.88% | +0.43% | 21st bottom |
| NPA / Total Assets | 0.86% | — | — | 24th bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 77th top |
| ACL / Total Loans | 1.10% | — | — | 39th below |
| ACL / NPLs (Coverage) | 84.19% | — | — | 22nd bottom |
| Texas Ratio | 6.96% | 5.96% | +1.00% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 17.48% | 17.18% | +0.30% | 66th above |
| Tier 1 Ratio | 17.48% | 17.21% | +0.27% | 66th above |
| Total Capital Ratio | 18.53% | — | — | 65th above |
| Leverage Ratio | 13.03% | 11.75% | +1.28% | 75th top |
| Equity / Assets | 12.43% | 10.98% | +1.45% | 74th above |
| TCE / Tangible Assets | 11.74% | — | — | 71st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 80.55% | 80.44% | +0.11% | 50th above |
| Core Deposit Ratio | 92.68% | 86.95% | +5.73% | 72nd above |
| Wholesale Funding Ratio | 5.56% | — | — | 34th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.21% | — | — | 33rd below |
| Loan Growth (Y/Y) | 21.30% | — | — | 93rd top |
| Deposit Growth (Y/Y) | 2.25% | — | — | 36th below |
See First Secure State 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 State 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 State 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 State Bank peer analysis.