First Secure Bank&Trust Co
Palos Hills, Illinois · FDIC Cert #22536
First Secure Bank&Trust Co is an FDIC-insured bank (Certificate #22536) with $368M in total assets and $328M in total deposits as of the Q2 2024 Call Report. Headquartered in Palos Hills, Illinois, the bank maintains a Tier 1 capital ratio of 13.62% (Well-Capitalized) and a nonperforming loan ratio of 3.32%. BankHealthData assigns a composite Health Grade of C (58/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Secure Bank&Trust Co (FDIC cert 22536) is a community bank — $368M in total assets, $328M in deposits, serving the Palos Hills, Illinois area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 13.62% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.32% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 18.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.24% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. First Secure Bank&Trust Co carries a composite BankHealth grade of C (58/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Secure Bank&Trust Co
- Total Assets
- $368M
- Total Deposits
- $328M
- Tier 1 Capital Ratio
- 13.62%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.32%
- Liquidity Ratio
- 18.70%
- Return on Assets
- 0.24%
- Headquarters
- Palos Hills, Illinois
- FDIC Certificate
- #22536
- Health Grade
- C (58/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Secure Bank&Trust Co holds a Tier 1 capital ratio of 13.62%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Secure Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Secure Bank&Trust Co shows average financial health. While not alarming, its Health Score of 58/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Secure Bank&Trust Co Compares
First Secure Bank&Trust Co’s Health Score of 58 is 14 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 13.62% Tier 1 capital ratio is 0.4 points below the US banking industry average near 14%. The 3.32% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.24% is below the national ROA benchmark of ~1.1%. Among 1556 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, First Secure Bank&Trust Co is 12 points below the portfolio average of 70.
Frequently Asked Questions
First Secure Bank&Trust Co has a Bank Health Score of C (58/100), placing it in average financial health. It holds a Tier 1 capital ratio of 13.62%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Secure Bank&Trust Co's Tier 1 capital ratio of 13.62% and nonperforming loan ratio of 3.32% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Secure Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #22536). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Secure Bank&Trust Co holds $368M in total assets and $328M in total deposits. It is headquartered in Palos Hills, Illinois (FDIC Certificate #22536).
First Secure Bank&Trust Co has a Tier 1 capital ratio of 13.62%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.32%, and the return on assets is 0.24%.
Yes. First Secure Bank&Trust Co is FDIC-insured (Certificate #22536). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Secure Bank&Trust Co's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.