The Frederick Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 3.01 percentage points in Q2 2026, from 51.67% to 54.68%. It was the largest change from Q1 2026 among the key lines here. Among 323 Illinois banks, The Frederick Community Bank sits 19th from the top on return on assets, 2.22% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, The Frederick Community Bank reported 2.22% on return on assets in Q2 2026, 0.97 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.01% |
| Tier 1 risk-based capital ratio | 19.01% |
| Total risk-based capital ratio | 19.97% |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 10.43% |
| Tangible equity to tangible assets | 10.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.22% |
| Return on equity | 21.33% |
| Net interest margin | 4.39% |
| Efficiency ratio | 48.87% |
| Yield on earning assets | 5.31% |
| Cost of funds | 0.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.68% |
| Core deposits to total deposits | 94.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.18% |
| Securities to assets | 38.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.64% | 18.64% | 19.50% | 9.67% | 1.41% |
| Q4 2023 | 18.27% | 18.27% | 19.10% | 9.53% | 1.38% |
| Q1 2024 | 19.72% | 19.72% | 20.57% | 10.12% | 2.14% |
| Q2 2024 | 18.21% | 18.21% | 19.01% | 10.40% | 2.09% |
| Q3 2024 | 18.15% | 18.15% | 19.01% | 10.59% | 2.27% |
| Q4 2024 | 18.32% | 18.32% | 19.18% | 10.08% | 1.85% |
| Q1 2025 | 20.00% | 20.00% | 20.90% | 9.98% | 2.28% |
| Q2 2025 | 18.92% | 18.92% | 19.86% | 10.47% | 2.05% |
| Q3 2025 | 18.84% | 18.84% | 19.77% | 10.76% | 2.05% |
| Q4 2025 | 17.61% | 17.61% | 18.47% | 10.36% | 1.93% |
| Q1 2026 | 19.29% | 19.29% | 20.23% | 10.25% | 2.17% |
| Q2 2026 | 19.01% | 19.01% | 19.97% | 10.44% | 2.22% |
The Frederick Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Frederick Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Frederick Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10446) · FFIEC NIC profile (RSSD 687830)