First Secure Community Bank (FDIC #35223): Bank Stress & Real-Estate Credit Exposure

First Secure Community Bank (FDIC Cert #35223): bank stress 89/100, severe, STABLE over 7 days; parent FIRST SECURE BANK GROUP INC.

First Secure Community Bank (#35223) lends in 4 counties across 1 state; First Secure Community Bank (#35223) reaches 120 ZIP codes: Illinois 4 counties, 120 ZIPs.

First Secure Community Bank (#35223) largest markets: Will County, IL (45 branches, 45 ZIPs) (#35223), Dupage County, IL (43 branches, 43 ZIPs) (#35223), Kane County, IL (68 branches, 34 ZIPs) (#35223), Grundy County, IL (16 branches, 16 ZIPs) (#35223).

First Secure Community Bank (#35223) reports $528.8 million in total assets; First Secure Community Bank (#35223) equity $47.2 million (8.9% of First Secure Community Bank (#35223) assets); First Secure Community Bank (#35223) domestic deposits $427.8 million; First Secure Community Bank (#35223) net income $738,000; First Secure Community Bank (#35223) return on assets 0.28%; First Secure Community Bank (#35223) return on equity 3.15%; First Secure Community Bank (#35223) net interest income $8.2 million; First Secure Community Bank (#35223) call report June 30, 2026.

First Secure Community Bank (#35223) noncurrent real-estate loans 0.09% of its book; First Secure Community Bank (#35223) residential 0.11%; First Secure Community Bank (#35223) net charge-offs on real estate 4.35%; First Secure Community Bank (#35223) multifamily charge-offs 13.14%; First Secure Community Bank (#35223) residential charge-offs 4.12%.

First Secure Community Bank (#35223) net interest margin 3.30% against an eight-quarter First Secure Community Bank (#35223) average of 3.08% (First Secure Community Bank (#35223) compression -0.22 points); First Secure Community Bank (#35223) real-estate loans 9.2% of equity; First Secure Community Bank (#35223) non-residential real estate 412.1% of equity; First Secure Community Bank (#35223) rate-exposure score 40/100, First Secure Community Bank (#35223) fixed-rate trap 40/100; First Secure Community Bank (#35223) risk type credit driven; First Secure Community Bank (#35223) rate regime rates elevated, First Secure Community Bank (#35223) snapshot October 19, 2026.

First Secure Community Bank (#35223) stress score moved from 87 on June 22, 2026 to 88.7 on October 19, 2026; First Secure Community Bank (#35223) ranged 87 to 88.7 over 116 snapshots.

First Secure Community Bank (#35223) alerts: 4 counties; top First Secure Community Bank (#35223) alert scores: Joliet County, IL 29 (low); Morris County, IL 29 (low); Naperville County, IL 29 (low); Sugar Grove County, IL 29 (low).