First Security 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.
Loan-to-deposit ratio climbed 3.24 percentage points in Q2 2026, from 94.97% to 98.21%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Security Bank is 139th of 323 on return on assets, 1.28% as of Q2 2026. At 1.28%, First Security Bank's return on assets is close to the 1.26% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.22% |
| Equity capital to assets | 11.16% |
| Tangible equity to tangible assets | 9.20% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 11.53% |
| Net interest margin | 4.27% |
| Efficiency ratio | 64.57% |
| Yield on earning assets | 6.31% |
| Cost of funds | 2.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.21% |
| Core deposits to total deposits | 82.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.34% |
| Securities to assets | 11.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.11% | 1.34% | 3.86% | 0.00% | 0.00% |
| Q4 2023 | 9.62% | 1.19% | 3.75% | 0.00% | -0.04% |
| Q1 2024 | 9.68% | 1.54% | 3.76% | 0.00% | 0.00% |
| Q2 2024 | 9.74% | 1.22% | 3.74% | 0.00% | 0.00% |
| Q3 2024 | 9.85% | 1.13% | 3.57% | 0.00% | 0.00% |
| Q4 2024 | 9.38% | 1.17% | 3.76% | 0.00% | 0.03% |
| Q1 2025 | 9.67% | 1.04% | 3.87% | 0.75% | 0.00% |
| Q2 2025 | 10.02% | 1.17% | 3.98% | 0.97% | 0.05% |
| Q3 2025 | 9.60% | 1.02% | 4.24% | 0.00% | 0.00% |
| Q4 2025 | 9.40% | 1.08% | 4.09% | 0.33% | 0.00% |
| Q1 2026 | 9.31% | 0.98% | 4.08% | 0.00% | 0.00% |
| Q2 2026 | 9.22% | 1.28% | 4.27% | 0.00% | 0.00% |
First Security Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3698) · FFIEC NIC profile (RSSD 416339)