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Prairie State Bank And Trust
Springfield, IL · FDIC Certificate #27362 · Chartered 11/0
Total assets
$840.08M
Total deposits
$730.17M
Total equity
$101.28M
Net loans
$547.00M
Branches (offices)
19
Net income (YTD)
$6.44M
Rank: #1,205 of 4,213 U.S. banks by assets · #62 of 322 in Illinois. Assets changed 4.8% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 12.87% |
| Net interest margin (YTD) | 4.04% |
| Equity to assets | 12.06% |
| Tier 1 leverage ratio | 12.39% |
| Uninsured deposits (share of deposits) | 24.3% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 74.9% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $465.86M | 85.2% | |
| Commercial & industrial | $60.74M | 11.1% | |
| Consumer / individual | $3.71M | 0.7% | |
| Construction & development | $38.34M | 7.0% | |
| Agricultural | $19.07M | 3.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $870.50M | $776.20M | $4.10M | $88.78M |
| Jun 2023 | $795.81M | $694.19M | $4.37M | $92.75M |
| Jun 2024 | $802.65M | $699.72M | $3.39M | $95.37M |
| Jun 2025 | $801.71M | $698.53M | $4.22M | $96.81M |
| Jun 2026 | $840.08M | $730.17M | $6.44M | $101.28M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $730.17M | 19 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $730.17M.
Similar-sized banks
First Utah Bank ($840.30M) · Hebron Savings Bank ($838.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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