Prospect Bank
Paris, IL · Cert 3722 · Peer group: banks under $1B in assets in IL (n=149-151) · 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: nonperforming loans / loans outperforms 58% of banks under $1B in assets in IL (rank 64 of 149).
- Widest gap: equity / assets trails 97% of banks under $1B in assets in IL (rank 146 of 151).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.20%
Rank 144 of 151
Net Interest Margin
2.46%
Rank 145 of 151
Efficiency Ratio
92.61%
Rank 145 of 151
Equity / Assets
6.08%
Rank 146 of 151
Non-interest income vs. expense
Unfavorable gap of $16.2M · efficiency ratio beats 5% 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 | 0.20% | 0.70% | 1.03% | 1.34% | Beats 5% | 144 / 151 | |
| Return on Equity | 3.29% | 6.74% | 9.34% | 12.94% | Beats 7% | 140 / 151 | |
| Net Interest Margin | 2.46% | 3.02% | 3.43% | 3.83% | Beats 4% | 145 / 151 | |
| Efficiency Ratio | 92.61% | 54.64% | 64.89% | 72.50% | Beats 5% | 145 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.20% | 0.66% | 1.77% | Beats 58% | 64 / 149 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.07% | Beats 54% | 70 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 12.09% | 11.83% | 14.17% | 18.66% | Beats 29% | 107 / 151 | |
| Total Risk-Based Capital Ratio | 12.77% | 12.22% | 14.54% | 19.92% | Beats 34% | 100 / 151 | |
| Equity / Assets | 6.08% | 9.10% | 10.65% | 12.40% | Beats 3% | 146 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 78.43% | 54.39% | 71.02% | 80.75% | 69th pctl | 46 / 149 | |
| Loans / Assets | 66.13% | 45.91% | 61.31% | 68.01% | 66th pctl | 52 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |