Frederick Community Bank, The is a state-chartered bank headquartered in Paxton, Illinois, in business for about 106 years. At the end of Q2 2026 it reported $196.1M in total assets and $174.9M in deposits, with 4 offices.
Frederick Community Bank, The has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 40th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (54/100, 10.44%).
TellerScore · Q2 2026
Scorecard
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 (83 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 85 |
| Q4 2024 | 83 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 82 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.40% |
| Q3 2024 | 10.59% |
| Q4 2024 | 10.08% |
| Q1 2025 | 9.98% |
| Q2 2025 | 10.47% |
| Q3 2025 | 10.76% |
| Q4 2025 | 10.36% |
| Q1 2026 | 10.25% |
| Q2 2026 | 10.44% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.12% |
| Q3 2024 | 2.17% |
| Q4 2024 | 2.08% |
| Q1 2025 | 2.29% |
| Q2 2025 | 2.17% |
| Q3 2025 | 2.12% |
| Q4 2025 | 2.06% |
| Q1 2026 | 2.18% |
| Q2 2026 | 2.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $196.1M | 10.44% | 0.00% | 2.20% | 54.1% |
| Q1 2026 | 84 | $197.6M | 10.25% | 0.00% | 2.18% | 51.1% |
| Q4 2025 | 82 | $195.9M | 10.36% | 0.17% | 2.06% | 56.9% |
| Q3 2025 | 83 | $187.4M | 10.76% | 0.18% | 2.12% | 54.2% |
| Q2 2025 | 83 | $186.9M | 10.47% | 0.19% | 2.17% | 52.5% |
| Q1 2025 | 83 | $194.0M | 9.98% | 0.00% | 2.29% | 47.8% |
| Q4 2024 | 83 | $195.5M | 10.08% | 0.00% | 2.08% | 50.5% |
| Q3 2024 | 85 | $179.6M | 10.59% | 0.00% | 2.17% | 55.8% |
| Q2 2024 | 84 | $178.9M | 10.40% | 0.00% | 2.12% | 51.9% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central Federal Savings and Loan AssociationBank Cicero, IL | 61 out of 100, Moderate | $194.6M | 10.3% | 0.65% | vs |
| Great Rivers BankBank Barry, IL | 81 out of 100, Strong | $194.6M | 11.2% | 0.11% | vs |
| Community Bank of ElmhurstBank Elmhurst, IL | 72 out of 100, Strong | $194.5M | 9.9% | 0.02% | vs |
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| Fidelity BankBank Savanna, IL | 52 out of 100, Below average | $198.6M | 8.0% | 0.78% | vs |
Deposit insurance
Is my money safe at Frederick Community Bank, The?
Yes. Frederick Community Bank, The is an FDIC-insured institution (FDIC certificate #10446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.8% of deposits ($50.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.97% (benchmark: 10%).
4 locations
Branches
Frederick Community Bank, The lists 2 offices in 2 cities. Most locations:
- Cissna Park, IL (1)
- Paxton, IL (1)
Identity & history
Profile
- Legal name
- Frederick Community Bank, The
- Former names
- Cissna Park State Bank; Clarence State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10446
- RSSD ID
- 687830
- Primary regulator
- FDIC
- Holding company
- Agricultural Banking Corp
- Established
- June 14, 1920
- Headquarters
- 106 N Market St, Paxton, IL 60957
- Website
- www.tfcbanks.com
- Employees
- 28
Quick answers
Frederick Community Bank, The: common questions
Is Frederick Community Bank, The FDIC insured?
Yes. Frederick Community Bank, The is an FDIC-insured institution (FDIC certificate #10446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Frederick Community Bank, The's TellerScore?
84 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 Frederick Community Bank, The ever failed?
There is no failure record for FDIC certificate #10446 in the FDIC failed bank list.
How many branches does Frederick Community Bank, The have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Paxton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermilion Valley BankBank Piper City, IL | 96 out of 100, Very strong | $198.2M | 16.7% | 0.03% | vs |
| Community Plus Federal Credit UnionCredit union Rantoul, IL | 90 out of 100, Very strong | $28.1M | 18.4% | 0.51% | vs |
| Bank of RantoulBank Rantoul, IL | 82 out of 100, Strong | $285.8M | 10.8% | 0.00% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Dewey BankBank Dewey, IL | 79 out of 100, Strong | $30.3M | 10.6% | 0.06% | vs |
| Busey BankBank Champaign, IL | 74 out of 100, Strong | $18.1B | 12.4% | 0.51% | vs |