BanksFREDERICK COMMUNITY BANK, THE

FREDERICK COMMUNITY BANK, THE

PAXTON, ILSmallEst. June 14, 1920, midnightFDIC #10446RSSD #687830FDIC
Latest · 2025-12-31

FREDERICK COMMUNITY BANK, THE is an 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%. CET1 capital ratio: 17.61%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 4 domestic branches.

Assets
$196M
Deposits
$175M
Loans
$100M
Equity
$21M

Profitability

Return on Assets (ROA)1.94%
Return on Equity (ROE)18.16%
Net Interest Margin4.66%
Yield on Assets5.70%
Cost of Funds1.07%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.02%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.98%

Capital & Liquidity

CET1 Ratio17.61%
Tier 1 Capital17.61%
Total Capital Ratio18.47%
Leverage Ratio10.36%
Loan-to-Deposit57.46%

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