First Secure State 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 Reserve coverage of non-performing loans: 42.47 percentage points higher than in Q1 2026, at 84.19%. Within Illinois, First Secure State Bank is 254th of 323 on return on assets, 0.66% as of Q2 2026. First Secure State Bank reported 0.66% on return on assets for Q2 2026, 0.60 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.48% |
| Tier 1 risk-based capital ratio | 17.48% |
| Total risk-based capital ratio | 18.53% |
| Tier 1 leverage ratio | 13.03% |
| Equity capital to assets | 12.43% |
| Tangible equity to tangible assets | 11.74% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.31% |
| Non-performing assets ratio | 0.86% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.96% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 84.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.66% |
| Return on equity | 5.03% |
| Net interest margin | 3.93% |
| Efficiency ratio | 75.62% |
| Yield on earning assets | 5.19% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.55% |
| Core deposits to total deposits | 92.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.57% |
| Securities to assets | 15.89% |
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 | 19.50% | 19.50% | 20.26% | 12.10% | 0.36% |
| Q4 2023 | 19.27% | 19.27% | 20.11% | 12.35% | 0.15% |
| Q1 2024 | 18.07% | 18.07% | 18.89% | 12.12% | 0.33% |
| Q2 2024 | 17.48% | 17.48% | 18.31% | 12.06% | 0.63% |
| Q3 2024 | 17.52% | 17.52% | 18.39% | 11.87% | 0.49% |
| Q4 2024 | 17.83% | 17.83% | 18.74% | 12.21% | 0.63% |
| Q1 2025 | 19.06% | 19.06% | 20.06% | 12.45% | 0.60% |
| Q2 2025 | 19.18% | 19.18% | 20.22% | 12.65% | 0.48% |
| Q3 2025 | 19.22% | 19.22% | 20.26% | 12.69% | 0.65% |
| Q4 2025 | 17.46% | 17.46% | 18.46% | 12.64% | 0.83% |
| Q1 2026 | — | — | — | 12.87% | 0.69% |
| Q2 2026 | 17.48% | 17.48% | 18.53% | 13.03% | 0.66% |
First Secure State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22971) · FFIEC NIC profile (RSSD 285348)