Bank · FDIC insured
First Secure Community Bank
A $528.8M bank headquartered in Sugar Grove, IL, with 5 branches in Illinois. Best rates: savings 0.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings740.30%at $1,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Secure Community Bank
Tracing its roots to American Heartland Bank & Trust started in 2000, First Secure Community Bank adopted its current name in 2016 and is part of the First Secure Bank Group.
Today, the bank operates five banking centers across the Chicago suburbs, including a Morris location acquired in 2016.
- Headquarters
- 670 N Sugar Grove Pkwy, Sugar Grove, IL 60554
- FDIC certificate
- 35223 ↗
Branches
5 branches in Illinois
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Illinois
5 branches
- First Secure Community BankMain office670 N Sugar Grove Pkwy, Sugar Grove, IL 60554Directions
- First Secure Community Bank Of Aurora1 N Constitution Dr, Aurora, IL 60506Directions
- Essington Road Branch2398 Essington Rd, Joliet, IL 60435Directions
- Morris Branch211 E Jefferson St, Morris, IL 60450Directions
- Naperville Branch1607 N Aurora Rd, Naperville, IL 60563Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.43% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.85% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.28% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio9.43%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.85%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.28%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Secure Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.