Total Assets
$392M
Total balance-sheet footings
FDIC Cert #22536 · Palos Hills, Illinois · Est. 1977
First Secure Bank and Trust Co. - FDIC Bank Health Profile
A community-scale look at First Secure Bank and Trust Co.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $392M
- Total assets
- C
- Health grade · Fair
- 0.38%
- Return on assets
- 14.0%
- Tier 1 capital
Data updated July 2026
The verdict
First Secure Bank and Trust Co. earns a PlainBankData health grade of C (52/100), with well-capitalized at 14.01% Tier 1, 0.38% ROA, 82% efficiency ratio.
- #2,111
- largest of 4,313 FDIC banks by assets
- 51st
- percentile by asset size, nationally
- 14.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How First Secure Bank and Trust Co.'s 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Secure Bank and Trust Co.'s composite health score
Tier 1 Capital Ratio (14.01%) 35/40
Return on Assets (ROA) (0.38%) 7/25
Texas Ratio (29.54%) 10/20
Efficiency Ratio (81.76%) 0/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$308M
Customer-funded liabilities
Net Loans
$284M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Secure Bank and Trust Co. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Secure Bank and Trust Co.'s score of 52/100 falls in the highlighted band.
First Secure Bank and Trust Co.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Secure Bank and Trust Co.'s $392M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.01%
Texas Ratio
29.54%
Equity Capital
$40M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.38%
Return on Equity (ROE)
3.85%
Efficiency Ratio
81.76%
What the numbers say about First Secure Bank and Trust Co.
First Secure Bank and Trust Co. is an FDIC-insured institution (Certificate #22536) headquartered in Palos Hills, Illinois, established in 1977. It holds $392M in total assets - 2,111th of 4,313 FDIC-insured banks, $308M in customer deposits, and $284M in net loans. Its capital position: a Tier 1 ratio of 14.01%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 29.54% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
First Secure Bank and Trust Co. sits 122nd of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$21M
Interest Income
$436K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Secure Bank and Trust Co. reports a Texas Ratio of 29.54% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
29.54% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Secure Bank and Trust Co. (FDIC Cert #22536) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is First Secure Bank and Trust Co.'s health grade?▼
First Secure Bank and Trust Co. receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is First Secure Bank and Trust Co.?▼
First Secure Bank and Trust Co. holds $392M in total assets and $308M in deposits, ranking 2,111th of 4,313 FDIC-insured banks by asset size. It is headquartered in Palos Hills, Illinois.
Is my money safe at First Secure Bank and Trust Co.?▼
Yes, deposits at First Secure Bank and Trust Co. (Certificate #22536) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Secure Bank and Trust Co.'s Tier 1 Capital Ratio?▼
First Secure Bank and Trust Co. has a Tier 1 Capital Ratio of 14.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for First Secure Bank and Trust Co.?▼
First Secure Bank and Trust Co. has a Texas Ratio of 29.54%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Secure Bank and Trust Co.?▼
First Secure Bank and Trust Co. has an Efficiency Ratio of 81.76%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Secure Bank and Trust Co.'s profile as a depositor or analyst.
- First Secure Bank and Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Secure Bank and Trust Co. against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.