First Secure Community Bank: how it compares with its peers
Against 117 IL banks with half to twice its assets, First Secure Community Bank's strongest measure in Q2 2026 is assets per employee ($12.0M vs. a $7.3M peer median). Its weakest relative measure is return on assets (0.28% vs. 1.18%).
| Measure | First Secure Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.28% | 1.18% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.30% | 3.68% | Bottom third Ahead of 26% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 80.50% | 62.41% | Bottom third Ahead of 9% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $7.3M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.51% | 77.88% | Context |
What it means for lending operations
Its efficiency ratio of 80.50% is above the 62.41% 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
- Citizens Community Bank Mascoutah, IL · $531M
- Germantown Trust & Savings Bank Breese, IL · $524M
- Pan American Bank & Trust Melrose Park, IL · $536M
- First Nations Bank Chicago, IL · $537M
- Lisle Savings Bank Lisle, IL · $545M
- First Robinson Savings Bank, National Association Robinson, IL · $512M
Questions about First Secure Community Bank
How big is First Secure Community Bank?
First Secure Community Bank, established in 2000, is headquartered in Sugar Grove, IL. It reported $529M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is First Secure Community Bank's return on assets?
0.28% annualized in Q2 2026, against a 1.18% median for 117 IL banks with half to twice its assets, ahead of 7% of them.
What is First Secure Community Bank's efficiency ratio?
80.50% in Q2 2026: it spent about 80 cents in noninterest expense for each dollar of revenue. The peer median is 62.41%, and lower is better.
Is First Secure Community Bank growing its loans?
Net loans grew 13.7% over the year to Q2 2026, while deposits grew 2.9%.
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.