Frederick Community Bank, The

106 North Market Street
Paxton, IL 60957

Notable Rates APY Vs.Others
Savings 0.20% 2.30% →
1-Year CD 1.16% 2.25% →
2-Year CD 1.36% 2.50% →
5-Year CD 1.61% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Frederick Community Bank, The is an FDIC insured institution located in Paxton, IL. It was founded in 1920 and has approximately $0.14 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 10446
Date Established 1920
Assets $0.14 billion
Loans $0.07 billion
Deposits $0.12 billion
Capital $0.01 billion
 

For a more detailed analysis of Frederick Community Bank, The's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 6, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.40% $1 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.60% $1,000 $24,999 Learn MoreShow Less
3 Mo CD
0.60% $25,000 - Learn MoreShow Less
1.06% $1,000 $49,999 Learn MoreShow Less
1.16% $1,000 $24,999 Learn MoreShow Less
12 Mo CD
1.16% $25,000 - Learn MoreShow Less
1.36% $1,000 $24,999 Learn MoreShow Less
24 Mo CD
1.36% $25,000 - Learn MoreShow Less
1.36% $1,000 $24,999 Learn MoreShow Less
36 Mo CD
1.36% $25,000 - Learn MoreShow Less
1.51% $1,000 $24,999 Learn MoreShow Less
48 Mo CD
1.51% $25,000 - Learn MoreShow Less
1.61% $1,000 $24,999 Learn MoreShow Less
60 Mo CD
1.61% $25,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
1.31% $50 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 - Learn MoreShow Less

Loan Rates - December 6, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Frederick Community Bank, The

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($262) $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Frederick Community Bank, The
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Frederick Community Bank, The branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Frederick Community Bank, The Locations


Financial Details

Frederick Community Bank, The Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Frederick Community Bank, The. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Frederick Community Bank, The U.S. Bank Average
0.38% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Frederick Community Bank, The had $59,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,961,000 in equity and $634,000 in loans loss reserves. That gives it a Texas Ratio of 0.38%.

Return on Equity
Frederick Community Bank, The U.S. Bank Average
14.45% 9.50%

Frederick Community Bank, The has a Return on Equity of 14.45% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Frederick Community Bank, The U.S. Bank Average
10.89% 12.76%

Frederick Community Bank, The has a Capitalization of 10.89% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Frederick Community Bank, The Balance Sheet Analysis

As of June 30, 2019, Frederick Community Bank, The had assets of $137,374,000, loans of $65,024,000, and deposits of $122,109,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.06 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.07 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.12 billion
LIABILITIES
Total deposits $0.12 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 82.81%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.12 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Frederick Community Bank, The’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in Illinois, Frederick Community Bank, The has a significantly higher percent of Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 14.53
Multifamily
Mortgages
9.20
Credit Card Loans 0.00
Consumer Auto Loans 2.00
Small Business Loans 5.15
Construction and Development Loans 1.50
Commercial Real Estate 5.15
Commercial and Industrial Loans 16.75
Farm Loans 22.19

Frequently Asked Questions About Frederick Community Bank, The

Branches and Savings

Is Frederick Community Bank, The FDIC insured?

Yes. It is covered under FDIC Certificate #10446.

Why does Frederick Community Bank, The pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Frederick Community Bank, The CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Frederick Community Bank, The a commercial bank?

Yes

Where are Frederick Community Bank, The locations?

See branch locations nearby.

Is Frederick Community Bank, The open on Saturdays?

Is Frederick Community Bank, The open on Sundays?

What time does Frederick Community Bank, The open?

What time does Frederick Community Bank, The close?

Are Frederick Community Bank, The ATMs Open 24/7?

Do Frederick Community Bank, The ATMs accept cash deposits?

Can Frederick Community Bank, The customers use other ATMs?

Do Frederick Community Bank, The branches have notaries?

Will Frederick Community Bank, The notarize my document?

What address for Frederick Community Bank, The should I put for incoming ACH transfers?

Will the Frederick Community Bank, The branch print checks?

Do Frederick Community Bank, The checks expire?

Does Frederick Community Bank, The require US citizenship to open account?

Can Frederick Community Bank, The close my account?

Does Frederick Community Bank, The Report to credit bureaus?

Does Frederick Community Bank, The Use Equifax?

What is Frederick Community Bank, The's ACH Routing Number?

What is Frederick Community Bank, The's SWIFT code?

Products

Does Frederick Community Bank, The offer mortgages?

Compare mortgage rates here.

Does Frederick Community Bank, The offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Frederick Community Bank, The offer personal loans?

Compare personal loan rates here.

Does Frederick Community Bank, The offer student loans?

Will Frederick Community Bank, The cash a check?

Will Frederick Community Bank, The redeem a savings bond?

Does Frederick Community Bank, The cash savings bonds?

Will Frederick Community Bank, The cash money orders?

Can Frederick Community Bank, The issue a money order?

Does Frederick Community Bank, The do currency exchange?

Background on The Bank

Who owns Frederick Community Bank, The?

How long has Frederick Community Bank, The been around?

Can Frederick Community Bank, The transfer to other banks?

Does Frederick Community Bank, The have quick pay?

Does Frederick Community Bank, The accept rolled coins?

Will Frederick Community Bank, The accept loose change?

Where is Frederick Community Bank, The headquarters?

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