The Frederick Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Frederick Community Bank is one of the more profitable banks of its size. Its balance sheet stood at $196 million at June 30, 2026, up 4.9% from a year earlier; it is based in Paxton, Illinois. It earns about $2.22 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also pays an average of 0.99% on its deposits and borrowings, lower than about 9 in 10 banks its size (median 1.80%). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
Net income for the quarter rose 13% from a year earlier, to $1.1 million. Over the same year, loans grew 8.3% and deposits grew 5.2%.
As of June 30, 2026, The Frederick Community Bank reported a CET1 capital ratio of 19.01%, a return on assets of 2.22%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 106 N Market St, Paxton, IL 60957
- County
- Ford
- Metro Area
- Champaign-Urbana, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 14, 1920
- Former names
- Cissna Park State Bank (1941-2018)
- Offices
- 4 domestic
- Employees (FTE)
- 28
- Domestic deposits
- $174.9M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $196.6M
- Average total loans
- $92.5M
- Average interest-bearing deposits
- $127.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10446
- Fed RSSD
- 687830
- Website
- www.tfcbanks.com →
- Parent Holding Company
- AGRICULTURAL BANKING CORPORATION (RSSD 1247624)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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Unlock The Frederick Community Bank, freeThe Frederick Community Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.01% | 2.22% | 0.00% | 0.00% | 4.39% |
| Q1 2026 | 19.29% | 2.17% | 0.00% | 0.00% | 4.14% |
| Q4 2025 | 17.61% | 1.93% | 0.00% | 0.78% | 4.52% |
| Q3 2025 | 18.84% | 2.05% | 0.00% | 0.78% | 4.41% |
| Q2 2025 | 18.92% | 2.05% | 0.00% | 0.80% | 4.37% |
| Q1 2025 | 20.00% | 2.28% | 0.00% | 0.00% | 4.14% |
| Q4 2024 | 18.32% | 1.85% | 0.00% | 0.00% | 4.50% |
| Q3 2024 | 18.15% | 2.27% | 0.00% | 0.00% | 4.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Frederick Community Bank (main office) | Paxton , IL | 60957 | $98.7M |
| Cissna Main Branch | Cissna Park , IL | 60924 | $76.2M |
| Cissna Drive-Up | Cissna Park , IL | 60924 | $0 |
| Plaza Facility | Paxton , IL | 60957 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 3, 2018 | Structure Change | Acquired First National Bank in Paxton Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for The Frederick Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 227 of 383 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Frederick Community Bank
What are The Frederick Community Bank's total assets?
As of the Q2 2026 filing, The Frederick Community Bank reported total assets of $196.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Frederick Community Bank headquartered?
The Frederick Community Bank is headquartered in Paxton, IL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Frederick Community Bank founded?
The Frederick Community Bank was established in 1920, per the FDIC institution directory.
Is The Frederick Community Bank FDIC-insured?
Yes. The Frederick Community Bank is an FDIC-insured commercial bank (FDIC Certificate #10446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Frederick Community Bank?
The Frederick Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Frederick Community Bank's CET1 capital ratio?
The Frederick Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 19.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Frederick Community Bank operate?
The Frederick Community Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Frederick Community Bank's Texas Ratio?
The Frederick Community Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Frederick Community Bank previously called?
The charter now named The Frederick Community Bank has also operated as Cissna Park State Bank (1941-2018), per FDIC structure-change records.
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