Frederick Community Bank, The
Paxton, IL · Cert 10446 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · 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 108 of 751).
- Widest gap: equity / assets trails 53% of banks under $1B in assets operating in a single state (rank 398 of 755).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.73%
Rank 107 of 755
Net Interest Margin
4.04%
Rank 235 of 755
Efficiency Ratio
49.68%
Rank 108 of 755
Equity / Assets
10.43%
Rank 398 of 755
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.72% | 1.06% | 1.45% | Beats 86% | 107 / 755 | |
| Return on Equity | 16.63% | 6.66% | 10.44% | 13.61% | Beats 90% | 74 / 755 | |
| Net Interest Margin | 4.04% | 3.15% | 3.68% | 4.17% | Beats 69% | 235 / 755 | |
| Efficiency Ratio | 49.68% | 55.75% | 64.78% | 75.61% | Beats 86% | 108 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 58% | 320 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 19.01% | 11.56% | 13.81% | 17.74% | Beats 80% | 153 / 755 | |
| Total Risk-Based Capital Ratio | 19.97% | 11.72% | 14.46% | 18.53% | Beats 80% | 151 / 755 | |
| Equity / Assets | 10.43% | 8.93% | 10.56% | 13.13% | Beats 47% | 398 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 54.68% | 62.43% | 78.62% | 91.00% | 16th pctl | 636 / 755 | |
| Loans / Assets | 48.77% | 54.70% | 67.27% | 76.55% | 18th pctl | 619 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |