Frederick Community Bank, The: how it compares with its peers
Against 141 IL banks with half to twice its assets, Frederick Community Bank, The's strongest measure in Q2 2026 is return on assets (2.20% vs. a 1.17% peer median). Its weakest relative measure is assets per employee ($7.0M vs. $6.4M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.20% | 1.17% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 3.73% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.68% | 64.64% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $6.4M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.09% | 74.00% | Context |
What it means for lending operations
Its efficiency ratio of 49.68% is better than the 64.64% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Central Federal Savings and Loan Association Cicero, IL · $195M
- Great Rivers Bank Barry, IL · $195M
- Community Bank of Elmhurst Elmhurst, IL · $194M
- Vermilion Valley Bank Piper City, IL · $198M
- Liberty Bank Liberty, IL · $194M
- Fidelity Bank Savanna, IL · $199M
Questions about Frederick Community Bank, The
How big is Frederick Community Bank, The?
Frederick Community Bank, The, established in 1920, is headquartered in Paxton, IL. It reported $196M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Frederick Community Bank, The's return on assets?
2.20% annualized in Q2 2026, against a 1.17% median for 141 IL banks with half to twice its assets, ahead of 94% of them.
What is Frederick Community Bank, The's efficiency ratio?
49.68% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 64.64%, and lower is better.
Is Frederick Community Bank, The growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 5.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.