Frederick Community Bank, The vs Raritan State Bank
Comparing a Bank in Paxton, IL with a Bank in Raritan, IL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Frederick Community Bank, The ↗ Bank · Paxton, IL · Est. 1920 | Raritan State Bank ↗ Bank · Raritan, IL · Est. 1920 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Paxton, IL | Raritan, IL |
| Total assets | $197.6M | $255.4M |
| Capital ratio | 10.4% | 11.0% |
| Return on assets | 2.2% | 1.0% |
| Deposits | $176.6M | $225.3M |
| Branches | 4 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 328 | #4 of 328 |
| Established | 1920 | 1920 |
Frederick Community Bank, The
- Assets: $197.6M
- Deposits: $176.6M
- Capital ratio: 10.4%
- Return on assets: 2.2%
- CFPB complaints: 0
- State rank: #5 of 328
Raritan State Bank
- Assets: $255.4M
- Deposits: $225.3M
- Capital ratio: 11.0%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #4 of 328
Are both institutions federally insured?
Yes. Frederick Community Bank, The is FDIC-insured and Raritan State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Frederick Community Bank, The or Raritan State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Frederick Community Bank, The scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Frederick Community Bank, The safe?
Yes — Frederick Community Bank, The is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Raritan State Bank safe?
Yes — Raritan State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Frederick Community Bank, The vs Raritan State Bank?
Frederick Community Bank, The has a capital ratio of 10.4%, placing it in the top 47% of $100M–1B peers. Raritan State Bank's ratio is 11.0%, placing it in the top 37% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Frederick Community Bank, The have compared to Raritan State Bank?
The CFPB database shows 0 complaints against Frederick Community Bank, The, and 0 complaints against Raritan State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Frederick Community Bank, The with other Banks in Illinois
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
