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First Secure Bank And Trust Co.
Palos Hills, IL · FDIC Certificate #22536 · Chartered 10/2
Total assets
$396.24M
Total deposits
$313.75M
Total equity
$40.66M
Net loans
$297.21M
Branches (offices)
6
Net income (YTD)
$1.01M
Rank: #2,071 of 4,213 U.S. banks by assets · #124 of 322 in Illinois. Assets changed 6.3% and deposits 2.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.03% |
| Net interest margin (YTD) | 3.24% |
| Equity to assets | 10.26% |
| Tier 1 leverage ratio | 11.49% |
| Uninsured deposits (share of deposits) | 15.5% |
| Noncurrent loans (share of loans) | 6.29% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 94.7% |
| Real estate loans (share of loans) | 88.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $263.33M | 88.6% | |
| Commercial & industrial | $30.27M | 10.2% | |
| Consumer / individual | $7.02M | 2.4% | |
| Construction & development | $18.97M | 6.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $341.93M | $296.12M | $2.18M | $29.19M |
| Jun 2023 | $356.19M | $314.21M | $1.47M | $34.65M |
| Jun 2024 | $368.03M | $327.59M | $315.00K | $37.05M |
| Jun 2025 | $372.85M | $305.42M | $510.00K | $38.34M |
| Jun 2026 | $396.24M | $313.75M | $1.01M | $40.66M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $313.75M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $313.75M.
Similar-sized banks
The Clinton National Bank ($396.42M) · Locality Bank ($396.24M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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