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Frederick Community Bank, The

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

Paxton, IL

4 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +5.2% year over year ($174.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.20%.
  • Efficiency ratio 49.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 54.09% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (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

  • + Return on Assets 0.88% above tier average
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.26% above tier average
  • + Efficiency Ratio 14.80% 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-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $196.1M
+4.9% YoY -0.8% QoQ
-$190.5M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
26%
Total Loans ? $94.6M
+8.4% YoY +4.8% QoQ
-$163.7M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $174.9M
+5.2% YoY -1.0% QoQ
-$151.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 2.20%
+1.7% YoY +0.9% QoQ
+0.88% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
Top 8.9% in tier
Net Interest Margin ? 4.25%
+0.1% YoY +3.3% QoQ
+0.26% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 49.68%
+0.4% YoY -0.4% QoQ
-14.80% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 54.09%
+3.0% YoY +5.8% QoQ
-23.86% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
Top 11.7% in tier
Non-Interest-Bearing Deposit Share ? 28.14%
+4.1% YoY -1.4% QoQ
+6.11% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
76%
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 19.01%
+0.5% YoY -1.5% QoQ
+3.10% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
84%
Non-Interest Income / Assets ? 0.22%
-0.3% YoY +103.4% QoQ
-0.35% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
55%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 28.1%
+1.1pp YoY
-0.4pp QoQ
 +6.0pp 22.1% 20.1% 22.2% 76%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 14.9%
-0.3pp YoY
-0.5pp QoQ
 +3.4pp 11.6% 14.7% 12.5% 76%
CRE 14.6%
-2.3pp YoY
-1.4pp QoQ
 -24.9pp 39.5% 37.9% 41.4% 10%
1-4 Family 18.2%
+2.8pp YoY
+0.6pp QoQ
 -14.4pp 32.6% 28.3% 31.3% 26%
Consumer 2.4%
-0.3pp YoY
-0.1pp QoQ
 -1.8pp 4.1% 5.4% 5.0% 53%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 19.0%
+0.1pp YoY
-0.3pp QoQ
 +0.2pp 18.8% 19.9% 19.7% 74%
Leverage Ratio 10.4%
0.0pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 12.2% 12.6% 40%
Total Capital Ratio 20.0%
+0.1pp YoY
-0.3pp QoQ
 0.0pp 19.9% 20.9% 20.8% 74%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 28
0 YoY
-2 (-6.7%) QoQ
 -31 58 228 482 24%
Assets per Employee ($) $7.0M
+4.9% YoY
+6.3% QoQ
 -$514K $7.5M $8.3M $8.8M 52%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 5.62x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 21.1%
-0.2pp YoY
+0.2pp QoQ
 +8.9pp 12.2% 10.5% 11.6% 90%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.6% 1.7% 9%
Net Income ($, YTD) $2.2M
+4.0% YoY
— QoQ
 -$390K $2.6M $11.7M $40.4M 56%

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 (0)

No matched strength signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
236
Return on Assets
profitability
Value: 2.20%
Peer Median: 1.32%
#236 of 2643 Top 8.9% in $100M-$1B
311
Loan-to-Deposit Ratio
liquidity
Value: 54.09%
Peer Median: 77.95%
#311 of 2643 Top 11.7% in $100M-$1B
423
Tier 1 Capital Ratio
capital
Value: 19.01%
Peer Median: 15.91%
#423 of 2643 Top 16.0% in $100M-$1B
432
Efficiency Ratio
profitability
Value: 49.68%
Peer Median: 64.48%
#432 of 2643 Top 16.3% in $100M-$1B
625
Non-Interest-Bearing Deposit Share
funding
Value: 28.14%
Peer Median: 22.03%
#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (1 metrics)

2206
Total Loans
size
Value: $94.61M
Peer Median: $258.35M
#2206 of 2643 Bottom 16.6% in $100M-$1B
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