| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 2.20% | 1.24% | +1.0 pts |
| ROE | 21.1% | 11.9% | +9.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.1M | $174.9M | $94.6M | $20.5M | $2.2M | 2.20% | 4.25% | 0.00% |
| Q1 2026 | $197.6M | $176.6M | $90.3M | $20.5M | $1.1M | 2.18% | 4.11% | 0.00% |
| Q4 2025 | $195.9M | $174.7M | $99.4M | $20.6M | $4.0M | 2.06% | 4.31% | 0.09% |
| Q3 2025 | $187.4M | $166.3M | $90.2M | $20.4M | $3.0M | 2.12% | 4.27% | 0.09% |
| Q2 2025 | $186.9M | $166.3M | $87.3M | $20.0M | $2.1M | 2.17% | 4.25% | 0.09% |
| Q1 2025 | $194.0M | $173.8M | $83.0M | $19.6M | $1.1M | 2.29% | 4.13% | 0.00% |
| Q4 2024 | $195.5M | $175.9M | $88.9M | $19.0M | $3.8M | 2.08% | 4.34% | 0.00% |
| Q3 2024 | $179.6M | $159.7M | $89.1M | $19.2M | $3.0M | 2.17% | 4.31% | 0.00% |
Loan mix (Q2 2026): real estate $59.2M · commercial $14.1M · consumer $2.2M · securities $75.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 62.9% | 15th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Frederick Community Bank, The is in an open deal as the acquirer: Agricultural Banking Corporation to acquire Buckley State Bank (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Oct 1, 2026 | Acquirer | Buckley State Bank | Acquisition | Approved | Federal Reserve |
| Oct 1, 2026 | Acquirer | Buckley State Bank | Merger | Approved | Federal Reserve |
| Aug 19, 2026 | Acquirer | — | Merger | Pending | FDIC |
4 branches in 2 counties across 1 state (+0 vs 2025) · $174.9M branch deposits. Biggest market: Ford, IL, ranked 3rd with 18.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ford, IL | 2 | $98.7M | 18.48% | 3rd |
| Iroquois, IL | 2 | $76.2M | 6.67% | 6th |
Illinois: 280th with 0.02% · Champaign-Urbana metro: 21st, 1.05% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).