What is First Secure State Bank's financial health grade?

First Secure State Bank has a TFS Financial Health Grade of C (score: 75.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Secure State Bank have?

First Secure State Bank has 7 branch locations across the United States.

Is First Secure State Bank FDIC insured?

Yes, First Secure State Bank is FDIC insured (Certificate #22971).

What are the total assets of First Secure State Bank?

First Secure State Bank has total assets of $301.9M as reported in its most recent FDIC filing.

First Secure State Bank

BankWonder Lake, Illinois

www.thestatebankgroup.com

Total Assets

$301.9M

Total Deposits

$246.7M

Branches

Established

1979

TFS Health Grade

75.8 / 100

Average financial health

How we grade

First Secure State Bank is a bank headquartered in Wonder Lake, Illinois, established in 1979. With $301.9M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

12.64%(8%)

Total Capital Ratio

18.46%(10%)

Non-Performing Loan Ratio

1.30%

Profitability

Return on Assets (ROA)

0.61%(1%)

Return on Equity (ROE)

5.15%(10%)

Net Interest Margin

3.63%

Efficiency Ratio

74.82%(60%)

Lending & Liquidity

Total Loans

$186.7M

Loan-to-Deposit Ratio

74.81%

Net Charge-Off Ratio

-0.07%

Growth

Asset Growth (YoY)

+2.62%

Deposit Growth (YoY)

-0.70%

Net Income

$1.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Secure State BankHQ	7526 Hancock Dr	Wonder Lake	IL	11
First Secure State Bank	58 N Ayer St	Harvard	IL	11
First Secure State Bank	1400 N Division St	Harvard	IL	23
First Secure State Bank	3503 Chapel Hill Rd	Johnsburg	IL	11
First Secure State Bank	500 W Il Route 120	Lakemoor	IL	11
First Secure State Bank	7500 Meyer Rd	Spring Grove	IL	11
First Secure State Bank	3316 Thompson Rd	Wonder Lake	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.