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First Secure Community Bank
Sugar Grove, IL · FDIC Certificate #35223 · Chartered 02/0
Total assets
$528.76M
Total deposits
$427.82M
Total equity
$47.16M
Net loans
$387.20M
Branches (offices)
5
Net income (YTD)
$738.00K
Rank: #1,720 of 4,213 U.S. banks by assets · #97 of 322 in Illinois. Assets changed 4.3% and deposits 2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.28% |
| Return on equity | 3.15% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 8.92% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 2.85% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 53.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $208.58M | 53.9% | |
| Commercial & industrial | $97.63M | 25.2% | |
| Consumer / individual | $81.99M | 21.2% | |
| Construction & development | $11.62M | 3.0% | |
| Agricultural | $691.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $506.37M | $442.15M | $1.76M | $36.99M |
| Jun 2023 | $506.22M | $414.05M | $923.00K | $40.11M |
| Jun 2024 | $506.30M | $429.02M | $385.00K | $42.73M |
| Jun 2025 | $506.97M | $415.80M | $478.00K | $45.44M |
| Jun 2026 | $528.76M | $427.82M | $738.00K | $47.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $427.82M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $427.82M.
Similar-sized banks
Peoples Bank ($529.64M) · High Country Bank ($528.48M)
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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