BlastPoint's Banking Scorecard
First Secure Bank and Trust Co.
Micro
Specialty: Commercial
IL
FDIC cert 22536
Designations: ✓ Community bank
Palos Hills, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First Secure Bank and Trust Co. faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.84% above tier
- - Nonperforming Asset Ratio 2.80% above tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.1M
-0.6% YoY
+4.3% QoQ
|
+$174.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$284.3M
-0.8% YoY
+2.8% QoQ
|
+$145.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$307.5M
-13.3% YoY
-6.0% QoQ
|
+$123.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.38%
+113.1% YoY
+20.9% QoQ
|
-0.70% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.00%
+13.8% YoY
+3.9% QoQ
|
-0.86% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
81.76%
-9.9% YoY
-3.3% QoQ
|
+14.03% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
4.48%
-28.7% YoY
-10.3% QoQ
|
+3.84% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
92.44%
+14.5% YoY
+9.4% QoQ
|
+17.91% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
16.84%
+22.7% YoY
+4.7% QoQ
|
-5.55% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
3.25%
-28.8% YoY
-11.5% QoQ
|
+2.80% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.01%
+3.8% YoY
-3.7% QoQ
|
+5.16% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.11%
-48.4% YoY
+24.1% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.48%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.25%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Loans
Current: $284.3M · Tier avg: $139.2M
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $307.5M · Tier avg: $183.7M
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.84% · Tier avg: 22.39%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.44% · Tier avg: 74.53%
18
18th pctile
Efficiency Ratio
Current: 81.76% · Tier avg: 67.73%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.25% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.25% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.48% · Tier avg: 0.64%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
15
15th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 3.00% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 81.76% · Tier avg: 67.73%
18
18th pctile
Loan-to-Deposit Ratio
Current: 92.44% · Tier avg: 74.53%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.84% · Tier avg: 22.39%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.01% · Tier avg: 8.85%
83
83th pctile
Total Deposits
Current: $307.5M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $392.1M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $284.3M · Tier avg: $139.2M