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
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% | 102 / 746 | |
| Return on Equity | 16.63% | 6.74% | 10.51% | 13.63% | Beats 90% | 73 / 746 | |
| Net Interest Margin | 4.04% | 3.17% | 3.68% | 4.16% | Beats 69% | 232 / 746 | |
| Efficiency Ratio | 49.68% | 55.74% | 64.58% | 75.47% | Beats 86% | 104 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 321 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 19.01% | 11.55% | 13.75% | 17.60% | Beats 80% | 146 / 746 | |
| Total Risk-Based Capital Ratio | 19.97% | 11.71% | 14.33% | 18.43% | Beats 81% | 144 / 746 | |
| Equity / Assets | 10.43% | 8.90% | 10.51% | 13.06% | Beats 49% | 381 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 54.68% | 61.31% | 78.27% | 90.78% | 17th pctl | 622 / 746 | |
| Loans / Assets | 48.77% | 53.60% | 66.97% | 76.08% | 19th pctl | 602 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |