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Frederick Community Bank, The

Paxton, IL · Cert 10446 · Agricultural Banking Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

70

Q2 2024Q2 2026peer median (50)

Asset Quality

79

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

26

Q2 2024Q2 2026peer median

Efficiency

86

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Frederick Community Bank, The

Paxton, IL · Cert 10446 · Agricultural Banking Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$196.1MAssets
$95.6MLoans
$174.9MDeposits
$20.5MEquity
Loan mix
78%RE $56.4M19%C&I $13.9M3%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $125.7M28%Noninterest $49.2MQ2 2025Q2 2026

NIM

4.99%Q2 ’245.10%Q2 ’254.94%Q2 ’26+1%-2%

Non-interest income vs. expense

2.17%Q2 ’242.26%Q2 ’252.22%Q2 ’26+3%-2%

Market Position · Champaign-Urbana, IL · 2026 SOD (annual) · 1.1% share · #19 of 33 inst. · $0.1B of $8.7B

18.5% Ford
6.7% Iroquois

Executive Summary

  • Earnings: ROA of 1.73%, up 2 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.44%, down 2 bps from a year ago.
  • Funding: loans stand at 54.68% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.73%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-8 bps YoY

Efficiency Ratio (YTD, annualized)

49.68%+18 bps YoY

Tier 1 Leverage Ratio

10.44%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.71%1.67%1.64%1.72%1.73%+2 bps
Return on Equity16.79%16.12%15.75%16.44%16.59%-20 bps
Net Interest Margin4.13%4.19%4.07%3.90%4.04%-8 bps
Efficiency Ratio49.50%49.52%51.83%49.91%49.68%+18 bps
Non-Interest Burden1.82%1.85%1.91%1.73%1.79%-3 bps
Growth
Asset Growth (YoY)4.45%4.34%0.19%1.88%4.94%+50 bps
Loan Growth (YoY)4.81%1.32%11.77%8.72%8.32%+351 bps
Deposit Growth (YoY)3.53%4.11%-0.71%1.62%5.18%+165 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.18%0.17%0.00%0.00%-19 bps
Net Charge-Offs / Loans0.03%0.02%0.02%0.00%0.01%-2 bps
Allowance / Loans1.11%1.08%0.98%1.08%1.07%-4 bps
Allowance Coverage of NPLs5.9x5.9x5.8xn/an/an/a
Capital
Tier 1 Leverage Ratio10.47%10.76%10.36%10.25%10.44%-2 bps
Total Risk-Based Capital19.86%19.77%18.47%20.23%19.97%+11 bps
Equity / Assets10.68%10.90%10.52%10.35%10.43%-25 bps
Liquidity & Funding
Loans / Deposits53.10%54.83%57.46%51.67%54.68%+159 bps
Liquid Assets / Assets9.53%10.04%11.51%16.44%10.87%+135 bps
CRE / Total Capitaln/a75.90%80.16%71.20%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Frederick Community Bank, The

Paxton, IL · Cert 10446 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Agricultural Banking Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$196.1MAssets
$95.6MLoans
$174.9MDeposits
$20.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
  • Widest gap: equity / assets trails 51% of banks under $1B in assets operating in a single state (rank 381 of 746).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.73%

Rank 102 of 746

Net Interest Margin

4.04%

Rank 232 of 746

Efficiency Ratio

49.68%

Rank 104 of 746

Equity / Assets

10.43%

Rank 381 of 746

Non-interest income vs. expense

$0.9M$4.4MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state
Bank 49.68%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.73%0.72%1.06%1.45%Beats 86%102 / 746
Return on Equity16.63%6.74%10.51%13.63%Beats 90%73 / 746
Net Interest Margin4.04%3.17%3.68%4.16%Beats 69%232 / 746
Efficiency Ratio49.68%55.74%64.58%75.47%Beats 86%104 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 57%321 / 743
Capital
Tier 1 Capital Ratio19.01%11.55%13.75%17.60%Beats 80%146 / 746
Total Risk-Based Capital Ratio19.97%11.71%14.33%18.43%Beats 81%144 / 746
Equity / Assets10.43%8.90%10.51%13.06%Beats 49%381 / 746
Liquidity & Funding
Loans / Deposits54.68%61.31%78.27%90.78%17th pctl622 / 746
Loans / Assets48.77%53.60%66.97%76.08%19th pctl602 / 746
Brokered Deposits / Depositsn/aNot reported for this institution