First Secure Bank and Trust Co.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
First Secure Bank and Trust Co. is a locally rooted FDIC-insured community bank based in Palos Hills, IL, anchoring the Midwest banking market. Total assets stand at $396M. Returns are subdued: 0.49% ROA and 4.30% ROE. Capital is comfortably above regulatory requirements, CET1 ratio of 13.68% sits well above the 7% level required once the capital conservation buffer is included. Credit conditions bear watching: 2.61% NPL ratio with a 43.34% Texas Ratio (elevated but below the 100% concern level). It operates 6 branches, primarily in Illinois.
As of June 30, 2026, First Secure Bank and Trust Co. reported a CET1 capital ratio of 13.68%, a return on assets of 0.49%, a nonperforming-loan ratio of 2.61%, a Texas ratio of 43.34%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 10360 S Roberts Rd, Palos Hills, IL 60465
- County
- Cook
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- October 21, 1977
- Former names
- Family Bank and Trust Co. (2000-2009)
- Offices
- 6 domestic
- Employees (FTE)
- 39
- Domestic deposits
- $313.7M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- -$24K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 21, 1977
- FDIC Cert
- 22536
- Fed RSSD
- 25647
- SEC CIK
- 1460451 → filed by FIRST SECURE BANK GROUP, INC.
- Website
- WWW.FIRSTSECUREBANK.COM →
- Parent Holding Company
- FIRST SECURE BANK GROUP, INC. (RSSD 2805544)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Secure Bank and Trust Co. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Secure Bank and Trust Co., freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Secure Bank and Trust Co. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Secure Bank and Trust Co.: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.68% | 0.49% | 2.61% | 43.34% | 3.42% |
| Q1 2026 | 14.22% | 0.67% | 2.85% | 42.02% | 3.84% |
| Q4 2025 | 14.01% | 0.63% | 3.02% | 29.54% | 3.60% |
| Q3 2025 | 14.55% | 0.47% | 4.12% | 32.50% | 3.40% |
| Q2 2025 | 14.30% | 0.39% | 4.06% | 29.99% | 3.06% |
| Q1 2025 | 13.49% | 0.15% | 2.90% | 40.86% | 2.56% |
| Q4 2024 | 13.50% | 0.09% | 2.58% | 43.98% | 2.44% |
| Q3 2024 | 13.16% | 0.31% | 0.26% | 31.22% | 3.03% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Secure Bank and Trust Co. (main office) | Palos Hills , IL | 60465 | $175.9M |
| Orland Park Branch | Orland Park , IL | 60467 | $43.1M |
| Mokena Branch | Mokena , IL | 60448 | $30.0M |
| Oak Forest Branch | Oak Forest , IL | 60452 | $27.3M |
| Palos Park Branch | Palos Park , IL | 60464 | $27.3M |
| Tinley Park Branch | Tinley Park , IL | 60477 | $10.2M |
Regulatory record
What the public regulatory sources show for First Secure Bank and Trust Co., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 155 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Secure Bank and Trust Co.
What are First Secure Bank and Trust Co.'s total assets?
As of the Q2 2026 filing, First Secure Bank and Trust Co. reported total assets of $396.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Secure Bank and Trust Co. headquartered?
First Secure Bank and Trust Co. is headquartered in Palos Hills, IL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Secure Bank and Trust Co. founded?
First Secure Bank and Trust Co. was established in 1977, per the FDIC institution directory.
Is First Secure Bank and Trust Co. FDIC-insured?
Yes. First Secure Bank and Trust Co. is an FDIC-insured commercial bank (FDIC Certificate #22536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Secure Bank and Trust Co.?
First Secure Bank and Trust Co.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Secure Bank and Trust Co.'s CET1 capital ratio?
First Secure Bank and Trust Co. reported a Common Equity Tier 1 (CET1) capital ratio of 13.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does First Secure Bank and Trust Co. operate?
First Secure Bank and Trust Co. operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Secure Bank and Trust Co.'s Texas Ratio?
First Secure Bank and Trust Co.'s Texas Ratio is 43.34% in its Q2 2026 call report, within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Secure Bank and Trust Co. previously called?
The charter now named First Secure Bank and Trust Co. has also operated as Family Bank and Trust Co. (2000-2009), per FDIC structure-change records.
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