First Secure Bank and Trust Co.: how it compares with its peers
Against 134 IL banks with half to twice its assets, First Secure Bank and Trust Co.'s strongest measure in Q2 2026 is assets per employee ($10.2M vs. a $7.2M peer median). Its weakest relative measure is return on assets (0.51% vs. 1.16%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.51% | 1.16% | Bottom third Ahead of 12% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.24% | 3.70% | Bottom third Ahead of 21% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.64% | 62.79% | Bottom third Ahead of 14% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.2M | $7.2M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.73% | 76.32% | Context |
What it means for lending operations
Its efficiency ratio of 77.64% is above the 62.79% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank of Pana Pana, IL · $395M
- First National Bank & Trust Company Clinton, IL · $388M
- First Trust Bank of Illinois Kankakee, IL · $406M
- Byron Bank Byron, IL · $384M
- Community Savings Bank Chicago, IL · $410M
- Municipal Trust and Savings Bank Bourbonnais, IL · $382M
Questions about First Secure Bank and Trust Co.
How big is First Secure Bank and Trust Co.?
First Secure Bank and Trust Co., established in 1977, is headquartered in Palos Hills, IL. It reported $396M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Secure Bank and Trust Co.'s return on assets?
0.51% annualized in Q2 2026, against a 1.16% median for 134 IL banks with half to twice its assets, ahead of 12% of them.
What is First Secure Bank and Trust Co.'s efficiency ratio?
77.64% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 62.79%, and lower is better.
Is First Secure Bank and Trust Co. growing its loans?
Net loans grew 8.8% over the year to Q2 2026, while deposits grew 2.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.