BlastPoint's Banking Scorecard

Frederick Community Bank, The

$100M-$1B Specialty: Agricultural IL FDIC cert 10446

Paxton, IL

4 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Frederick Community Bank, The demonstrates 5 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 28.5% in tier
+ Return on Assets 0.91% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 15.38% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Frederick Community Bank, The releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$197.6M +1.9% YoY +0.9% QoQ	-$188.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$90.3M +8.7% YoY -9.2% QoQ	-$165.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$176.6M +1.6% YoY +1.1% QoQ	-$151.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	2.18% -4.7% YoY +5.8% QoQ	+0.91%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 8.9% in tier
Net Interest Margin ?	4.11% -0.5% YoY -4.6% QoQ	+0.18%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	49.91% +4.1% YoY -3.7% QoQ	-15.38%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	51.12% +7.0% YoY -10.2% QoQ	-25.52%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 10.4% in tier
Non-Interest-Bearing Deposit Share ?	28.54% +0.9% YoY +11.6% QoQ	+6.52%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.29% -3.5% YoY +9.6% QoQ	+3.46%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.11% +12.6% YoY -73.8% QoQ	-0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#190 of 664 • Top 28.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

237

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.27%

#237 of 2664 Top 8.9% in $100M-$1B

277

Loan-to-Deposit Ratio

liquidity

Value: 51.12%

Peer Median: 76.64%

#277 of 2664 Top 10.4% in $100M-$1B

401

Tier 1 Capital Ratio

capital

Value: 19.29%

Peer Median: 15.83%

#401 of 2664 Top 15.0% in $100M-$1B

420

Efficiency Ratio

profitability

Value: 49.91%

Peer Median: 65.29%

#420 of 2664 Top 15.7% in $100M-$1B

584

Non-Interest-Bearing Deposit Share

funding

Value: 28.54%

Peer Median: 22.02%

#584 of 2664 Top 21.9% in $100M-$1B

Top Weaknesses (1 metrics)

2242

Total Loans

size

Value: $90.27M

Peer Median: $255.72M

#2242 of 2664 Bottom 15.9% in $100M-$1B