# FIRST SECURE COMMUNITY BANK
SUGAR GROVE, IL · FDIC certificate 35223 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $528.8M | |
| Deposits | $427.8M | |
| Loans and leases | $391.1M | |
| Total equity | $47.2M | |
| Loans / deposits | 90.51% (p72 of band) | 82.04% |
| Liquid assets / assets | 21.21% (p36 of band) | |
| Uninsured deposits / deposits | 21.51% (p34 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.46% (p75 of band) | |
| FHLB advances / assets | 9.46% | |
| Tier 1 leverage | 9.43% (p21 of band) | 10.81% |
| Unrealized securities loss / equity | -1.20% (p85 of band) | -8.10% |
| AOCI / equity | -0.56% (p39 of band) | |
| ROA (annualized) | 0.28% (p7 of band) | 1.28% |
| Net interest margin | 3.30% (p19 of band) | 3.91% |
| Efficiency ratio | 80.50% (p89 of band) | |
| Noncurrent loans | 2.85% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p73 of band) | |
| Reserve coverage of noncurrent | 34.62% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 24.64% (p31 of band) | |
| Auto loans | $322,000 (0.08% of loans; DQ 1.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | leverage <7%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | charge-offs p90 | construction >100% equity |
| 2011-09 | 9 | leverage <5%, capital falling, construction >100% equity |  |
| 2011-12 | 5 | expense ratio p90 | leverage <7%, leverage <5%, capital falling, construction >100% equity |
| 2012-03 | 3 |  | losing money, expense ratio p90 |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 5 | loans exceed deposits, capital falling |  |
| 2014-03 | 3 |  | noncurrent p90, capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | wholesale funding >15%, uninsured deposits leaving | reserve under noncurrent |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 | capital falling | uninsured deposits leaving |
| 2015-06 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2015-09 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 2 | expense ratio p90 | charge-offs p90, capital falling, wholesale funding >15% |
| 2016-06 | 3 | wholesale funding >15%, uninsured deposits leaving | expense ratio p90 |
| 2016-09 | 3 | capital falling | uninsured deposits leaving |
| 2016-12 | 2 |  | loans exceed deposits |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | reserve under noncurrent | capital falling |
| 2017-09 | 1 |  | reserve under noncurrent |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 | uninsured deposits leaving | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 1 | charge-offs p90 | wholesale funding >15%, uninsured deposits leaving, capital falling |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 2 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | charge-offs p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 3 |  | charge-offs p90 |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 3 |  | deposits shrinking |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | NIM <2.5%, charge-offs p90 | uninsured deposits leaving |
| 2024-06 | 3 |  | NIM <2.5% |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 2 |  | charge-offs p90, capital falling |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-27 [First Secure Bank to hold free shred events in Johnsburg, Harvard - Shaw Local](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNRGpfMjV5UHQ0dmVUcnQ1a3FwSkpYR0kyUDBBeHJwdFY3UTdFa3RSQlhwLVV4WWVSTU9rWFAwaTdBVnVZa3pWOWdHN2tDdXhlMUc2aEctLVhoOGo5VWVZaTlZV0JJX2pBNHZlQWRQWlVSS3FnZWFpSjFtanRZTEk5N2ZvZkR2ZGVGWGpwYWFIUFRrM2xzN3JielM4dkE4c1BQUHpWSEE1VnRjVmNib0hEZDFFZkFlaE96TjRJ?oc=5) · Shaw Local
- 2026-07-16 [Joliet bank to hold free shred event on Saturday - Shaw Local](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSWpCd3NsaWl0TWtuelhSb2hmXy1OSWxHeG5KNjg0ZHJfWWo4M3F3Rm40WnU4SmJhV2ltdkYtNzFJOG9wVFljTWpvWTkwOURyWWs3akx6S2FidlNURDNJeFpLRUx3MTE0YVZINVNnTDRlRXp0YTlFNkJkM1daSTViTWJrVGNPU05ST1NSdF85WjJyNFNyOV9kVWJESGZjUmNscjlfdA?oc=5) · Shaw Local
- 2021-04-21 [Joliet’s First Secure Bank Group Acquires Wonder Bancorp - 1340 WJOL](https://news.google.com/rss/articles/CBMigwFBVV95cUxQd1pYZVd3Zk0xYXBQVlBFajVFZEljRDZsOHZLTVFwSnFRQy1ySTJqZHpVRE50ZjFWSFhxR1NQVHJiT2lhdjVBNkZBZHJJcnVObUtLUTNCVFRFT3B5VEpDWllLeHFtUmxFNktoeFVEM202aW9UUkNvTHg1am1sWjhCemNuTQ?oc=5) · 1340 WJOL
- 2022-06-28 [Comings & Goings: First Secure takes over former MB Financial in Tinley Park, Urban Outfitters opening in Orland, and more - Chicago Tribune](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPZ1ctMmtFMS1nMmdON1ZRemw3aWlrUTc1c3o2a182aW1NRzdPODVONUpWemJxR0xKVGp3MG4wTklTX3Nuc2FKNU10ZTlaaUtCY2FoLTlvTkdndFFQS0NnbEd0NnRqYXpHd3R6V2dhcHliTm1MTzlZN0gxVVRuU0k2ZTVPV0dJdERQclpwcnhFT2tHZkFRaVBmc2xtX1RoNFpHWF9yMVJnSnVETjlkLWc3Y2dKS1VDd29YLURVU3ZZMHg5QzN4XzJuck03RmZpWExaQnVfVXB3VVJQcU5iNlVQWmpCc29WZnRMajlSVjZjcHBtZw?oc=5) · Chicago Tribune
- 2023-09-26 [First Secure Bank puts community first in Joliet, southwest suburbs - Shaw Local](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNNGprVGs4UkZKRHBXOUpGcWNjMWFOdWZDTDFKQlJ6QU1hdjl4ZFJRUDRhcGR4Nkl5bEJ1ZHROd2NzWV92bEIyamdITnJtc2JrZl9fclN4Q25CWXc1QWJqMDFVbG5ndDhzNXl0YkZ5TzVld3AxOXFnMXo5a29RVkhNSVVuUndTb3NWREI3MWNnVElhTEJRWEVaQ1dORlU4eXVuaDVOc1VtNVU4TUdGU1dORW0wcUNHa2M5ZGp3cmkybGd2MFU?oc=5) · Shaw Local
- 2025-07-06 [First Secure Community Bank honored with Illinois Community Service Award - Shaw Local](https://news.google.com/rss/articles/CBMixgFBVV95cUxNNlhWb0RfSmdWWGtUOUthRXhUeXMyQ3hWVE1OaG91WkdxOTNRalRlMzkzd1dDWC1FVGJJMFZIbE9yMkEySi1tRDQ5ZVRrUW14bTBhOVp6eHhQZlhnZlV4UUEtMlZFZmtreEFKcmoyWmx4R2N0aV9laFl3Q09QZUZraUFRaVhCRnhUWWctTmM4T0FkM0VzbV9TOWtYNnhyTjZHU216ZS1CcHFEc3hMU3pobkFPY2RkbTBnMDExRW5VY05KR1M5V2c?oc=5) · Shaw Local
- 2023-09-26 [First Secure Bank makes local service its mission in Joliet, other communities - Shaw Local](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPQ2tUc09oNXVrakU4S0dPSWNObFRDT2txNG53cXVxanRxRmFOZjY3OWd0V1EzZmRaby1GeGFXZ2NhU3NBYWNpNXNFcTZGZmVKUm1XRXlBalpwZS1XejIwaHlhemJuUWJ1YUJUYWNjblpUd0tJbmszTEpNSDZhRnlYd05iakQ2ZUVpREpnNjl0Um1CNkpGbWhhZ1VWdjctM0ZBRXJZWF8zV1NyQXBaNkxJRlN5cWhsZ3JmdDg0Z1B3YmthRkZ0d25GUEdvUnZNRUJfS3c?oc=5) · Shaw Local
- 2024-07-19 [First Secure Community Bank to hold free shred event on Saturday - Shaw Local](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTklmWGk0WDdrS1I1TmZ6REtCQVF0a1ZnZHFySjZ3UkxfQVJyVDVyYnVlZzBxemJab0JveWY4VEs3LWJZUUtLN21QcU4wVFpWWUVHMWR4SHVPcVhNUVlvSllaWURtS3JRMnF5MU9sS3ZFR3JTRHZWR05fMkNmS3NGMkpUVmNnWjd3bV82ZWZKekFHdEI3YTJ0VW10WHlwbnJFQ1VMYTRGX1F0MzdYOFk5a3FlUkp3Y01h?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35223 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "35223", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide