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

5.06%Q2 ’245.13%Q2 ’255.05%Q2 ’26+1%+0%

Non-interest income vs. expense

2.23%Q2 ’242.36%Q2 ’252.28%Q2 ’26+4%-3%

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 1.74%, up 14 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (-19 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.74%+14 bps YoY

Net Interest Margin (quarter, annualized)

4.16%0 bps YoY

Efficiency Ratio (quarter, annualized)

49.47%-154 bps YoY

Tier 1 Leverage Ratio

10.44%-2 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.60%1.54%1.72%1.74%+14 bps
Return on Equity15.42%14.86%14.42%16.44%16.78%+135 bps
Net Interest Margin4.16%4.16%4.25%3.90%4.16%0 bps
Efficiency Ratio51.01%49.58%58.39%49.91%49.47%-154 bps
Non-Interest Burden1.89%1.85%2.31%1.73%1.84%-5 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 / Loans0.00%0.00%0.01%0.00%0.02%+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