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Prospect Bank
Paris, IL · FDIC Certificate #3722 · Chartered 03/2
Total assets
$715.63M
Total deposits
$603.39M
Total equity
$43.54M
Net loans
$469.89M
Branches (offices)
11
Net income (YTD)
$911.00K
Rank: #1,358 of 4,213 U.S. banks by assets · #75 of 322 in Illinois. Assets changed 3.9% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.26% |
| Return on equity | 4.28% |
| Net interest margin (YTD) | 2.73% |
| Equity to assets | 6.08% |
| Tier 1 leverage ratio | 8.50% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.45% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 77.9% |
| Real estate loans (share of loans) | 82.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $388.51M | 82.7% | |
| Commercial & industrial | $47.74M | 10.2% | |
| Consumer / individual | $2.64M | 0.6% | |
| Construction & development | $13.40M | 2.9% | |
| Agricultural | $14.87M | 3.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $715.07M | $616.65M | $3.57M | $34.10M |
| Jun 2023 | $736.38M | $540.21M | $1.04M | $27.86M |
| Jun 2024 | $743.51M | $541.82M | -$1.59M | $30.99M |
| Jun 2025 | $689.10M | $589.41M | $1.01M | $38.24M |
| Jun 2026 | $715.63M | $603.39M | $911.00K | $43.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $579.90M | 10 |
| Indiana | $23.49M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $603.39M.
Similar-sized banks
First Fidelity Bank ($717.01M) · Pilgrim Bank ($714.56M)
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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