FREDERICK COMMUNITY BANK, THE

PAXTON, IL | Small | Est. June 14, 1920, midnight | FDIC #10446 | RSSD #687830 | FDIC
Latest Report: 2025-12-31

FREDERICK COMMUNITY BANK, THE is asn small FDIC-insured commercial bank headquartered in PAXTON, IL, established in June 14, 1920, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $175M. Profitability stands at 1.94% ROA and 18.16% ROE, with a net interest margin of 4.66%. The bank's CET1 capital ratio is 17.61%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10446.

Assets

$196M

Deposits

$175M

Loans

$100M

Equity

$21M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 18.16%
Net Interest Margin (NIM) 4.66%
Yield on Assets 5.70%
Cost of Funds 1.07%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 17.61%
Tier 1 Capital 17.61%
Total Capital Ratio 18.47%
Leverage Ratio 10.36%
Loan-to-Deposit 57.46%

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