The Frederick Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Frederick Community Bank of Paxton, IL against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.22% | 1.34% | +0.88% | 90th top |
| ROAE | 21.33% | 13.31% | +8.02% | 90th top |
| Net Interest Margin | 4.39% | 3.93% | +0.46% | 75th top |
| Efficiency Ratio | 48.87% | 61.14% | -12.27% | 83rd top |
| PPNR / Avg Assets | 2.32% | 1.68% | +0.64% | 84th top |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 0.99% | 1.88% | -0.89% | 91st top |
| Net Interest Spread | 3.92% | 3.32% | +0.60% | 80th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 35th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 1250.00% | 1395.53% | -145.53% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.01% | 19.50% | -0.49% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.01% | 19.54% | -0.53% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.97% | 20.62% | -0.65% | 73rd above |
| Leverage Ratio | 10.44% | 12.14% | -1.70% | 40th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.43% | 11.37% | -0.94% | 51st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.43% | 11.09% | -0.66% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 54.68% | 80.64% | -25.96% | 88th top |
| Core Deposit Ratio | 94.90% | 86.86% | +8.04% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.94% | 6.85% | -1.91% | 54th above |
| Loan Growth (Y/Y) | 8.32% | 7.90% | +0.42% | 67th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.18% | 6.29% | -1.11% | 59th above |
See The Frederick Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Frederick Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Frederick Community Bank profile, how to read a UBPR, or how this data updates.