PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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