Frederick Community Bank, The vs Town & Country Bank Midwest
Comparing a Bank in Paxton, IL with a Bank in Quincy, 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 | Town & Country Bank Midwest ↗ Bank · Quincy, IL · Est. 1910 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Paxton, IL | Quincy, IL |
| Total assets | $197.6M | $286.6M |
| Capital ratio | 10.4% | 14.5% |
| Return on assets | 2.2% | 3.3% |
| Deposits | $176.6M | $244.4M |
| Branches | 4 | 6 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 328 | #6 of 328 |
| Established | 1920 | 1910 |
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
Town & Country Bank Midwest
- Assets: $286.6M
- Deposits: $244.4M
- Capital ratio: 14.5%
- Return on assets: 3.3%
- CFPB complaints: 0
- State rank: #6 of 328
Are both institutions federally insured?
Yes. Frederick Community Bank, The is FDIC-insured and Town & Country Bank Midwest 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 Town & Country Bank Midwest?
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 Town & Country Bank Midwest safe?
Yes — Town & Country Bank Midwest 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 Town & Country Bank Midwest?
Frederick Community Bank, The has a capital ratio of 10.4%, placing it in the top 47% of $100M–1B peers. Town & Country Bank Midwest's ratio is 14.5%, placing it in the top 13% 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 Town & Country Bank Midwest?
The CFPB database shows 0 complaints against Frederick Community Bank, The, and 0 complaints against Town & Country Bank Midwest. 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.
