First Security Bank (Mackinaw, IL)
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Data as of · sourced from FFIEC call reports. How we update
First Security Bank is an FDIC-insured commercial bank headquartered in Mackinaw, IL, established in 1934 (FDIC certificate 3698), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $151.1M, up 17.9% from Q2 2025, the 226th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 3698
- Headquarters
- Mackinaw, IL
- Established
- 1934
- Total assets, Q2 2026
- $151.1M
- Assets vs Q2 2025
- +17.9%
- Tier 1 leverage ratio, Q2 2026
- 9.22%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071109655
- Holding company
- FIRST BANCORP OF TAYLORVILLE, INC.
- Asset rank in state
- 226th of 319 in Illinois
First Security Bank, based in Mackinaw, Illinois, reported $151 million in assets at June 30, 2026, up 17.9% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 25.4% over the year, 4.6 times the median of 5.5% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 0.97%. Loans are outrunning deposits: over the year loans rose 25.4% and deposits rose 12.1%. Where it has less room is capital: it funds 9.22% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, First Security Bank reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Security Bank is the 226th largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $151.1M, loans rose 2.5% and deposits fell 0.9%. Farmland and other real estate loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 22.0%. The FDIC Summary of Deposits lists 4 offices for it, in Mackinaw, IL, Danvers, IL and Deer Creek, IL; its Mackinaw 2 offices book 64% of its branch deposits. On its Q2 2026 call report, First Security Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 E Fast Ave, Mackinaw, IL 61755
- County
- Tazewell
- Metro Area
- Peoria, IL
- 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
- January 1, 1934
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $126.0M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $150.6M
- Average total loans
- $121.4M
- Average interest-bearing deposits
- $102.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3698
- Fed RSSD
- 416339
- Website
- www.fsb1.com →
- Parent Holding Company
- FIRST BANCORP OF TAYLORVILLE, INC. (RSSD 1133585)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, First Security Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Security Bank's total assets moved between a low of $113.1M (Q3 2023) and a high of $151.1M (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
$151.1M total assets against $128.2M; $134.3M total liabilities against $112.7M.
$122.3M net loans and leases against $97.5M; $126.0M total deposits against $112.4M.
$17.9M securities against $15.3M; $2.7M cash and balances due against $7.6M.
$2.2M total interest income against $1.8M; $719K total interest expense against $614K.
$1.5M net interest income against $1.1M.
$50K total noninterest income against $49K; $1.0M total noninterest expense against $822K.
$30K provision for credit losses against $0.
$482K net income against $369K.
1.28% return on assets against 1.17%; 4.27% net interest margin against 3.98%.
9.22% tier 1 leverage ratio against 10.02%.
Inside the full First Security Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst Security Bank rankings
Its closest position to the top of a national ranking is 1,805 of 3,611, for ROA; its furthest is 3,571 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q1 2026) to 1.28% (Q2 2026) and its net interest margin ran from 3.57% (Q3 2024) to 4.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.22% | 1.28% | 0.00% | 0.00% | 4.27% |
| Q1 2026 | 9.31% | 0.98% | 0.00% | 0.00% | 4.08% |
| Q4 2025 | 9.40% | 1.08% | 0.33% | 2.55% | 4.09% |
| Q3 2025 | 9.60% | 1.02% | 0.00% | 0.00% | 4.24% |
| Q2 2025 | 10.02% | 1.17% | 0.97% | 7.26% | 3.98% |
| Q1 2025 | 9.67% | 1.04% | 0.75% | 5.42% | 3.87% |
| Q4 2024 | 9.38% | 1.17% | 0.00% | 0.00% | 3.76% |
| Q3 2024 | 9.85% | 1.13% | 0.00% | 0.00% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| First Security Bank (main office) | Mackinaw , IL | 61755 | $68.3M |
| Danvers Branch | Danvers , IL | 61732 | $35.6M |
| Heritage Lake Branch | Mackinaw , IL | 61755 | $11.8M |
| Deer Creek Branch | Deer Creek , IL | 61733 | $10.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 272 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14 applications, 14 loans originated, $1.5M originated, across 1 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $436K approved, $436K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Security Bank
What are First Security Bank's total assets?
As of the Q2 2026 filing, First Security Bank reported total assets of $151.1 million in its FFIEC call report.
Where is First Security Bank headquartered?
It is headquartered in Mackinaw, IL, United States.
When was First Security Bank founded?
It was established in 1934, per the FDIC institution directory.
Is First Security Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3698). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Security Bank?
First Security Bank's primary federal regulator is the FDIC.
How many branches does First Security Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Security Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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