Total Assets
$199M
Total balance-sheet footings
FDIC Cert #33805 · Elmhurst, Illinois · Est. 1993
Community Bank of Elmhurst - FDIC Bank Health Profile
A community-scale look at Community Bank of Elmhurst's own numbers, pulled straight from its quarterly FDIC Call Report.
- $199M
- Total assets
- B
- Health grade · Good
- 0.54%
- Return on assets
- 15.2%
- Tier 1 capital
Data updated July 2026
The verdict
Community Bank of Elmhurst earns a PlainBankData health grade of B (74/100), with well-capitalized at 15.20% Tier 1, 0.54% ROA, 84% efficiency ratio.
- #3,010
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 15.20%
- Tier 1 ratio - above the 10% well-capitalized line
- 17th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community Bank of Elmhurst's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community Bank of Elmhurst's composite health score
Tier 1 Capital Ratio (15.20%) 40/40
Return on Assets (ROA) (0.54%) 14/25
Texas Ratio (0.49%) 20/20
Efficiency Ratio (83.74%) 0/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$188M
Customer-funded liabilities
Net Loans
$122M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community Bank of Elmhurst ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community Bank of Elmhurst's score of 74/100 falls in the highlighted band.
Community Bank of Elmhurst's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community Bank of Elmhurst's $199M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.20% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.20%
Texas Ratio
0.49%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
17th percentile nationally
0.54%
Return on Equity (ROE)
10.74%
Efficiency Ratio
83.74%
What the numbers say about Community Bank of Elmhurst
Community Bank of Elmhurst is an FDIC-insured institution (Certificate #33805) headquartered in Elmhurst, Illinois, established in 1993. It holds $199M in total assets - 3,010th of 4,313 FDIC-insured banks, $188M in customer deposits, and $122M in net loans. Looking at capital strength, Tier 1 stands at 15.20%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.49%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (74/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Illinois, Community Bank of Elmhurst ranks 194th of 330 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$9M
Interest Income
$315K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community Bank of Elmhurst reports a Texas Ratio of 0.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community Bank of Elmhurst (FDIC Cert #33805) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BMO Bank National AssociationChicago | $252.1B | A | 0.95% |
| The Northern Trust CompanyChicago | $176.4B | B | 1.02% |
| CIBC Bank USAChicago | $64.0B | A | 1.47% |
| Busey BankChampaign | $18.1B | A | 0.92% |
| Byline BankChicago | $9.6B | A | 1.47% |
| Wintrust Bank, National AssociationChicago | $9.6B | A | 1.88% |
| Lake Forest Bank & Trust Company, National AssociationLake Forest | $9.4B | A | 2.20% |
| First American BankElk Grove Village | $8.1B | A | 1.72% |
Frequently asked questions
What is Community Bank of Elmhurst's health grade?▼
Community Bank of Elmhurst receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community Bank of Elmhurst?▼
Community Bank of Elmhurst holds $199M in total assets and $188M in deposits, ranking 3,010th of 4,313 FDIC-insured banks by asset size. It is headquartered in Elmhurst, Illinois.
Is my money safe at Community Bank of Elmhurst?▼
Yes, deposits at Community Bank of Elmhurst (Certificate #33805) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community Bank of Elmhurst's Tier 1 Capital Ratio?▼
Community Bank of Elmhurst has a Tier 1 Capital Ratio of 15.20%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community Bank of Elmhurst?▼
Community Bank of Elmhurst has a Texas Ratio of 0.49%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community Bank of Elmhurst?▼
Community Bank of Elmhurst has an Efficiency Ratio of 83.74%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community Bank of Elmhurst's profile as a depositor or analyst.
- Community Bank of Elmhurst's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community Bank of Elmhurst against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.