Prospect Bank
Paris, IL · Cert 3722 · Peer group: banks under $1B in assets operating regionally (n=99) · Edgar County Banc Shares Inc.
State charter, non-member · FDIC · 11 branches
Q2 2026
$715.6MAssets
$473.2MLoans
$603.4MDeposits
$43.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 54% of banks under $1B in assets operating regionally (rank 47 of 99).
- Widest gap: equity / assets trails 98% of banks under $1B in assets operating regionally (rank 97 of 99).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.20%
Rank 93 of 99
Net Interest Margin
2.46%
Rank 97 of 99
Efficiency Ratio
92.61%
Rank 94 of 99
Equity / Assets
6.08%
Rank 97 of 99
Non-interest income vs. expense
Unfavorable gap of $16.2M · efficiency ratio beats 6% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.20% | 0.82% | 1.19% | 1.48% | Beats 6% | 93 / 99 | |
| Return on Equity | 3.29% | 7.92% | 11.87% | 14.08% | Beats 11% | 88 / 99 | |
| Net Interest Margin | 2.46% | 3.44% | 3.80% | 4.18% | Beats 2% | 97 / 99 | |
| Efficiency Ratio | 92.61% | 55.83% | 62.41% | 73.02% | Beats 6% | 94 / 99 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.19% | 0.46% | 1.04% | Beats 52% | 49 / 99 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.06% | Beats 54% | 47 / 99 | |
| Capital |
| Tier 1 Capital Ratio | 12.09% | 10.28% | 11.95% | 14.75% | Beats 53% | 47 / 99 | |
| Total Risk-Based Capital Ratio | 12.77% | 10.45% | 12.59% | 15.64% | Beats 54% | 46 / 99 | |
| Equity / Assets | 6.08% | 8.89% | 10.14% | 11.36% | Beats 2% | 97 / 99 | |
| Liquidity & Funding |
| Loans / Deposits | 78.43% | 74.57% | 84.03% | 94.55% | 36th pctl | 63 / 99 | |
| Loans / Assets | 66.13% | 62.55% | 71.25% | 78.99% | 31st pctl | 68 / 99 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |