Prairie State Bank & Trust
Springfield, IL · Cert 27362 · Peer group: banks under $1B in assets in IL (n=149-151) · American Cntl Finl Group Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
$840.1MAssets
$552.8MLoans
$730.2MDeposits
$101.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 79% of banks under $1B in assets in IL (rank 32 of 151).
- Widest gap: total risk-based capital ratio trails 72% of banks under $1B in assets in IL (rank 109 of 151).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.29%
Rank 45 of 151
Net Interest Margin
3.89%
Rank 32 of 151
Efficiency Ratio
60.18%
Rank 58 of 151
Equity / Assets
12.06%
Rank 40 of 151
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 62% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.70% | 1.03% | 1.34% | Beats 70% | 45 / 151 | |
| Return on Equity | 10.67% | 6.74% | 9.34% | 12.94% | Beats 62% | 57 / 151 | |
| Net Interest Margin | 3.89% | 3.02% | 3.43% | 3.83% | Beats 79% | 32 / 151 | |
| Efficiency Ratio | 60.18% | 54.64% | 64.89% | 72.50% | Beats 62% | 58 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.20% | 0.66% | 1.77% | Beats 56% | 67 / 149 | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.02% | 0.07% | Beats 38% | 93 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.39% | 11.83% | 14.17% | 18.66% | Beats 35% | 98 / 151 | |
| Total Risk-Based Capital Ratio | 12.39% | 12.22% | 14.54% | 19.92% | Beats 28% | 109 / 151 | |
| Equity / Assets | 12.06% | 9.10% | 10.65% | 12.40% | Beats 74% | 40 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 75.71% | 54.39% | 71.02% | 80.75% | 62nd pctl | 57 / 149 | |
| Loans / Assets | 65.80% | 45.91% | 61.31% | 68.01% | 65th pctl | 53 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |