BlastPoint's Banking Scorecard
Frederick Community Bank, The
Micro
Specialty: Agricultural
IL
FDIC cert 10446
Designations: ✓ Community bank
Paxton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Frederick Community Bank, The demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.9M
+0.2% YoY
+4.5% QoQ
|
-$21.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$99.4M
+11.8% YoY
+10.2% QoQ
|
-$39.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$174.7M
-0.7% YoY
+5.1% QoQ
|
-$9.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
2.06%
-0.7% YoY
-2.4% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.31%
-0.6% YoY
+1.0% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
51.83%
+2.6% YoY
+4.6% QoQ
|
-15.90% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.17%
-9.3% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
56.90%
+12.6% YoY
+4.9% QoQ
|
-17.63% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.57%
-13.3% YoY
-0.2% QoQ
|
+3.18% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.09%
-4.3% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
17.61%
-3.9% YoY
-6.5% QoQ
|
+8.76% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.41%
-25.5% YoY
+27.2% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.83% · Tier avg: 67.73%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.61% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.90% · Tier avg: 74.53%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.57% · Tier avg: 22.39%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
53
53th pctile
Total Deposits
Current: $174.7M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.9M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $99.4M · Tier avg: $139.2M
Top Weaknesses
43
43th pctile
Total Loans
Current: $99.4M · Tier avg: $139.2M
50
50th pctile
Total Assets
Current: $195.9M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $174.7M · Tier avg: $183.7M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.57% · Tier avg: 22.39%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.90% · Tier avg: 74.53%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.61% · Tier avg: 8.85%
87
87th pctile
Efficiency Ratio
Current: 51.83% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.08%