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First Secure State Bank
Wonder Lake, IL · FDIC Certificate #22971 · Chartered 10/2
Total assets
$305.63M
Total deposits
$249.31M
Total equity
$38.00M
Net loans
$198.61M
Branches (offices)
7
Net income (YTD)
$975.00K
Rank: #2,438 of 4,213 U.S. banks by assets · #154 of 322 in Illinois. Assets changed 2.2% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.64% |
| Return on equity | 5.18% |
| Net interest margin (YTD) | 3.88% |
| Equity to assets | 12.43% |
| Tier 1 leverage ratio | 13.03% |
| Uninsured deposits (share of deposits) | 11.0% |
| Noncurrent loans (share of loans) | 1.31% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 79.7% |
| Real estate loans (share of loans) | 79.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $157.84M | 79.5% | |
| Commercial & industrial | $33.02M | 16.6% | |
| Consumer / individual | $1.42M | 0.7% | |
| Construction & development | $10.68M | 5.4% | |
| Agricultural | $8.50M | 4.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $269.50M | $238.22M | $461.00K | $30.10M |
| Jun 2023 | $286.63M | $224.89M | $437.00K | $30.51M |
| Jun 2024 | $286.10M | $244.87M | $674.00K | $32.51M |
| Jun 2025 | $299.01M | $243.81M | $764.00K | $35.44M |
| Jun 2026 | $305.63M | $249.31M | $975.00K | $38.00M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $249.31M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $249.31M.
Similar-sized banks
Bank Irvine ($305.64M) · Century Bank Of The Ozarks ($305.31M)
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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