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Frederick Community Bank, The
Paxton, IL · FDIC Certificate #10446 · Chartered 06/1
Total assets
$196.11M
Total deposits
$174.90M
Total equity
$20.45M
Net loans
$94.61M
Branches (offices)
4
Net income (YTD)
$2.17M
Rank: #2,998 of 4,213 U.S. banks by assets · #199 of 322 in Illinois. Assets changed 4.9% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.20% |
| Return on equity | 21.11% |
| Net interest margin (YTD) | 4.25% |
| Equity to assets | 10.43% |
| Tier 1 leverage ratio | 10.44% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 54.1% |
| Real estate loans (share of loans) | 62.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $59.25M | 62.6% | |
| Commercial & industrial | $14.11M | 14.9% | |
| Consumer / individual | $2.23M | 2.4% | |
| Construction & development | $222.00K | 0.2% | |
| Agricultural | $18.76M | 19.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $181.92M | $167.14M | $555.00K | $14.31M |
| Jun 2023 | $186.36M | $170.73M | $1.75M | $15.25M |
| Jun 2024 | $178.92M | $160.62M | $1.94M | $17.85M |
| Jun 2025 | $186.88M | $166.29M | $2.08M | $19.96M |
| Jun 2026 | $196.11M | $174.90M | $2.17M | $20.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $174.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $174.90M.
Similar-sized banks
The First National Bank Of Waverly ($196.21M) · Farmers State Bank ($196.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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