TellerScore

Community Bank of Elmhurst (FDIC certificate #33805) is based in Elmhurst, Illinois. Its Q2 2026 call report shows $194.5M in total assets and $176.9M in deposits and 2 offices.

Community Bank of Elmhurst has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 145th. Problem-loan coverage contributes the most (100/100, 0.2%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.94%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity87/100
Loans ÷ deposits and uninsured-deposit share: 70.8% · 16.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 72).

TellerScore
707172Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202470
Q1 202571
Q2 202571
Q3 202571
Q4 202571
Q1 202671
Q2 202672
Tier 1 leverage ratio
5.00%7.75%10.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.45%
Q3 202410.50%
Q4 202410.19%
Q1 202510.06%
Q2 20259.87%
Q3 20259.93%
Q4 20259.67%
Q1 20269.64%
Q2 20269.94%
Noncurrent loans
0.00%0.04%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.09%
Q2 20250.04%
Q3 20250.00%
Q4 20250.05%
Q1 20260.05%
Q2 20260.02%
Return on assets
0.30%0.50%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.30%
Q4 20240.31%
Q1 20250.49%
Q2 20250.48%
Q3 20250.49%
Q4 20250.54%
Q1 20260.71%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$194.5M9.94%0.02%0.67%70.8%
Q1 202671$196.1M9.64%0.05%0.71%69.0%
Q4 202571$199.4M9.67%0.05%0.54%65.1%
Q3 202571$189.4M9.93%0.00%0.49%65.6%
Q2 202571$186.9M9.87%0.04%0.48%64.5%
Q1 202571$191.5M10.06%0.09%0.49%63.8%
Q4 202470$184.8M10.19%0.00%0.31%67.2%
Q3 202471$178.9M10.50%0.00%0.30%68.1%
Q2 202471$174.2M10.45%0.00%0.30%66.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.94%
30th
Total risk-based capital16.50%
76th
Problem loans0.02%
84th
Net charge-offs0.09%
21st
Return on assets0.67%
18th
Net interest margin3.77%
41st
Efficiency ratio78.8%
15th
Loans to deposits70.8%
68th
Uninsured deposits16.8%
76th
Loan-loss reserves1.69%
87th
Texas ratio0.2%
83rd

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Great Rivers BankBank Barry, IL81 out of 100, Strong$194.6M11.2%0.11%vs
Central Federal Savings and Loan AssociationBank Cicero, IL61 out of 100, Moderate$194.6M10.3%0.65%vs
Liberty BankBank Liberty, IL86 out of 100, Very strong$193.9M12.2%0.14%vs
Frederick Community Bank, TheBank Paxton, IL84 out of 100, Strong$196.1M10.4%0.00%vs
First Federal Savings Bank of Champaign UrbanaBank Champaign, IL90 out of 100, Very strong$192.5M12.7%0.09%vs
Vermilion Valley BankBank Piper City, IL96 out of 100, Very strong$198.2M16.7%0.03%vs

Deposit insurance

Is my money safe at Community Bank of Elmhurst?

Yes. Community Bank of Elmhurst is an FDIC-insured institution (FDIC certificate #33805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.8% of deposits ($29.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.50% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Community Bank of Elmhurst lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Bank of Elmhurst
Type
State-chartered bank (Fed member)
FDIC certificate #
33805
RSSD ID
2044820
Primary regulator
FED
Holding company
Community Bancshares Elmhurst
Established
May 24, 1993
Headquarters
330 W Butterfield Rd, Elmhurst, IL 60126
Employees
29

Quick answers

Community Bank of Elmhurst: common questions

Is Community Bank of Elmhurst FDIC insured?

Yes. Community Bank of Elmhurst is an FDIC-insured institution (FDIC certificate #33805). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Bank of Elmhurst's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Community Bank of Elmhurst ever failed?

There is no failure record for FDIC certificate #33805 in the FDIC failed bank list.

How many branches does Community Bank of Elmhurst have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Elmhurst

InstitutionScoreAssetsCapitalProblem loansCompare
Evergreen Park Schools Federal Credit UnionCredit union Evergreen Park, IL100 out of 100, Very strong$10.0M19.4%0.00%vs
Pilgrim Baptist Credit UnionCredit union Chicago, IL100 out of 100, Very strong$263K25.8%0.00%vs
M.W.P.H. Grand Lodge of Illinois Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$418K18.5%—vs
Israel Methcomm Federal Credit UnionCredit union Chicago, IL100 out of 100, Very strong$2.0M15.5%0.00%vs
Western Springs Federal Credit UnionCredit union Western Springs, IL95 out of 100, Very strong$3.9M18.2%0.46%vs
Aurora Policemen Credit UnionCredit union Aurora, IL95 out of 100, Very strong$26.3M15.3%0.00%vs