The Frederick Community Bank
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Data as of · sourced from FFIEC call reports. How we update
The Frederick Community Bank is an FDIC-insured commercial bank headquartered in Paxton, IL, established in 1920 (FDIC certificate 10446), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $196.1M, up 4.9% from Q2 2025, the 197th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 19.01% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10446
- Headquarters
- Paxton, IL
- Established
- 1920
- Total assets, Q2 2026
- $196.1M
- Assets vs Q2 2025
- +4.9%
- CET1 ratio, Q2 2026
- 19.01%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071112260
- Holding company
- AGRICULTURAL BANKING CORPORATION
- Asset rank in state
- 197th of 319 in Illinois
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%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Frederick Community Bank is the 197th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $196.1M, loans rose 4.8% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 29.5% of total loans, ahead of agricultural production loans at 19.6%. The FDIC Summary of Deposits lists 4 offices for it, in Paxton, IL and Cissna Park, IL; its Paxton 2 offices book 56% of its branch deposits. Judged on its Q2 2026 call report, The Frederick Community Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Frederick Community Bank's total assets ran between $176.2M (Q3 2023) and $197.6M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$196.1M total assets against $186.9M; $175.7M total liabilities against $166.9M.
$94.6M net loans and leases against $87.3M; $174.9M total deposits against $166.3M.
$75.6M securities against $76.5M; $19.3M cash and balances due against $15.3M.
$2.5M total interest income against $2.4M; $437K total interest expense against $454K.
$2.0M net interest income against $2.0M.
$215K total noninterest income against $223K; $1.1M total noninterest expense against $1.1M.
$50K provision for credit losses against $100K.
$1.1M net income against $966K.
2.22% return on assets against 2.05%; 4.39% net interest margin against 4.37%.
19.01% CET1 capital ratio against 18.92%; 10.44% tier 1 leverage ratio against 10.47%.
Inside the full The Frederick Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Frederick Community Bank rankings
Its closest position to the top of a national ranking is 299 of 3,611, for ROA; its furthest is 3,538 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.85% (Q4 2024) to 2.28% (Q1 2025) and its net interest margin ran from 4.14% (Q1 2025) to 4.52% (Q4 2025).
| 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% | 0.17% | 0.78% | 4.52% |
| Q3 2025 | 18.84% | 2.05% | 0.18% | 0.78% | 4.41% |
| Q2 2025 | 18.92% | 2.05% | 0.19% | 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
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 227 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Frederick Community Bank headquartered?
It is headquartered in Paxton, IL, United States.
When was The Frederick Community Bank founded?
It was established in 1920, per the FDIC institution directory.
Is The Frederick Community Bank FDIC-insured?
Yes. It 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.
What is The Frederick Community Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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