TellerScore

Headquartered in Marengo, Illinois, Prairie Community Bank is a state-chartered bank with $187.5M in total assets and $170.9M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1998.

Based on its Q2 2026 filing, Prairie Community Bank scores 39/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 315th. Its strongest component is funding & liquidity (77/100; 77% loans-to-deposits, 20% uninsured), and its lowest is loan quality (6/100; 2.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.75%
Loan quality6/100
Noncurrent loans ÷ total loans: 2.82%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 77.5% · 19.8% uninsured
Problem-loan coverage52/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 23.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 27 points (66 → 39), mostly because the loan quality component weakened by 91 points.

TellerScore
395367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202457
Q4 202456
Q1 202567
Q2 202566
Q3 202565
Q4 202566
Q1 202639
Q2 202639
Tier 1 leverage ratio
5.00%6.90%8.80%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.71%
Q3 20248.62%
Q4 20248.47%
Q1 20258.76%
Q2 20258.52%
Q3 20258.41%
Q4 20258.55%
Q1 20268.80%
Q2 20268.75%
Noncurrent loans
0.09%1.52%2.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20241.00%
Q3 20240.96%
Q4 20240.89%
Q1 20250.09%
Q2 20250.09%
Q3 20250.17%
Q4 20250.17%
Q1 20262.95%
Q2 20262.82%
Return on assets
0.46%0.59%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.49%
Q3 20240.46%
Q4 20240.49%
Q1 20250.65%
Q2 20250.68%
Q3 20250.69%
Q4 20250.69%
Q1 20260.67%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202639$187.5M8.75%2.82%0.71%77.5%
Q1 202639$191.0M8.80%2.95%0.67%71.9%
Q4 202566$188.5M8.55%0.17%0.69%72.6%
Q3 202565$192.5M8.41%0.17%0.69%70.9%
Q2 202566$186.2M8.52%0.09%0.68%72.4%
Q1 202567$181.2M8.76%0.09%0.65%72.5%
Q4 202456$170.0M8.47%0.89%0.49%78.5%
Q3 202457$173.4M8.62%0.96%0.46%71.0%
Q2 202458$167.3M8.71%1.00%0.49%71.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.75%
9th
Total risk-based capital13.26%
58th
Problem loans2.82%
7th
Net charge-offs-0.08%
97th
Return on assets0.71%
20th
Net interest margin4.12%
60th
Efficiency ratio79.9%
14th
Loans to deposits77.5%
55th
Uninsured deposits19.8%
65th
Loan-loss reserves1.52%
80th
Texas ratio23.9%
4th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank in TremontBank Tremont, IL67 out of 100, Moderate$187.6M9.9%0.66%vs
The First National Bank of RaymondBank Raymond, IL78 out of 100, Strong$187.1M10.9%0.42%vs
State Bank of BementBank Bement, IL67 out of 100, Moderate$185.6M10.2%0.54%vs
Jersey State BankBank Jerseyville, IL75 out of 100, Strong$190.1M13.3%1.18%vs
First State Bank Shannon-PoloBank Shannon, IL51 out of 100, Below average$190.5M10.3%2.64%vs
La Salle State BankBank La Salle, IL68 out of 100, Moderate$183.2M8.9%0.16%vs

Deposit insurance

Is my money safe at Prairie Community Bank?

Yes. Prairie Community Bank is an FDIC-insured institution (FDIC certificate #34526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.8% of deposits ($33.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.75%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.26% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Prairie Community Bank lists 4 offices in 4 cities. Most locations:

  • Elgin, IL (1)
  • Marengo, IL (1)
  • Union, IL (1)
  • Woodstock, IL (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Prairie Community Bank reported 27 home-loan applications under HMDA (LEI 549300EIFFC31EZH1D93): 24 originated ($6,710,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Prairie Community Bank
Former names
Prairie State Bank
Type
State-chartered bank
FDIC certificate #
34526
RSSD ID
2598396
Primary regulator
FDIC
Holding company
Marengo Bancshares Inc
Established
April 2, 1998
Headquarters
800 W Grant Hwy, Marengo, IL 60152
Employees
41

Quick answers

Prairie Community Bank: common questions

Is Prairie Community Bank FDIC insured?

Yes. Prairie Community Bank is an FDIC-insured institution (FDIC certificate #34526). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Prairie Community Bank's TellerScore?

39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Prairie Community Bank ever failed?

There is no failure record for FDIC certificate #34526 in the FDIC failed bank list.

How many branches does Prairie Community Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Marengo

InstitutionScoreAssetsCapitalProblem loansCompare
Generations Credit UnionCredit union Rockford, IL91 out of 100, Very strong$22.4M16.4%0.10%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Home State Bank, National AssociationBank Crystal Lake, IL82 out of 100, Strong$776.0M11.8%0.07%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs