Prairie State Bank and Trust is a state-chartered bank headquartered in Springfield, Illinois, in business for about 38 years. At the end of Q2 2026 it reported $840.1M in total assets and $730.2M in deposits, with 19 offices.
Based on its Q2 2026 filing, Prairie State Bank and Trust scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 66th. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is capital cushion (74/100; 12.39%).
TellerScore · Q2 2026
Scorecard
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 rose 3 points (77 → 80), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 78 |
| Q1 2025 | 77 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 79 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.14% |
| Q3 2024 | 11.93% |
| Q4 2024 | 12.30% |
| Q1 2025 | 12.28% |
| Q2 2025 | 12.33% |
| Q3 2025 | 12.14% |
| Q4 2025 | 12.21% |
| Q1 2026 | 12.31% |
| Q2 2026 | 12.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.30% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.26% |
| Q2 2026 | 0.52% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.95% |
| Q4 2024 | 1.00% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.07% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.44% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $840.1M | 12.39% | 0.52% | 1.58% | 74.9% |
| Q1 2026 | 81 | $806.4M | 12.31% | 0.26% | 1.44% | 77.9% |
| Q4 2025 | 79 | $805.7M | 12.21% | 0.25% | 1.34% | 79.5% |
| Q3 2025 | 78 | $801.7M | 12.14% | 0.30% | 1.28% | 78.5% |
| Q2 2025 | 77 | $801.7M | 12.33% | 0.30% | 1.07% | 78.3% |
| Q1 2025 | 77 | $794.7M | 12.28% | 0.21% | 0.87% | 76.6% |
| Q4 2024 | 78 | $769.4M | 12.30% | 0.22% | 1.00% | 77.6% |
| Q3 2024 | 76 | $779.4M | 11.93% | 0.23% | 0.95% | 76.0% |
| Q2 2024 | 77 | $802.6M | 12.14% | 0.22% | 0.86% | 71.8% |
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Millennium BankBank Des Plaines, IL | 33 out of 100, Low | $844.5M | 9.4% | 4.37% | vs |
| CIBM BankBank Champaign, IL | 53 out of 100, Below average | $819.7M | 9.9% | 1.08% | vs |
| Resource Bank, National AssociationBank Dekalb, IL | 50 out of 100, Below average | $868.6M | 8.5% | 2.44% | vs |
| Liberty Bank for SavingsBank Chicago, IL | 84 out of 100, Strong | $868.6M | 24.0% | 0.04% | vs |
| Sauk Valley Bank & Trust CompanyBank Sterling, IL | 57 out of 100, Moderate | $790.8M | 8.8% | 0.87% | vs |
| First Savings Bank of HegewischBank Chicago, IL | 84 out of 100, Strong | $787.0M | 14.9% | 0.06% | vs |
Deposit insurance
Is my money safe at Prairie State Bank and Trust?
Yes. Prairie State Bank and Trust is an FDIC-insured institution (FDIC certificate #27362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.3% of deposits ($177.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
19 locations
Branches
Prairie State Bank and Trust lists 17 offices in 15 cities. Most locations:
- Springfield, IL (3)
- Bloomington, IL (1)
- Charleston, IL (1)
- Decatur, IL (1)
- Farmersville, IL (1)
- Girard, IL (1)
- Illiopolis, IL (1)
- Jacksonville, IL (1)
- Lewistown, IL (1)
- Mattoon, IL (1)
- Meredosia, IL (1)
- Mount Zion, IL (1)
HMDA 2025
Mortgage lending
In 2025, Prairie State Bank and Trust reported 357 home-loan applications under HMDA (LEI 2549001E11O22GGBEL86): 318 originated ($64,860,000 total), 14 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, 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 State Bank and Trust
- Former names
- Mount Zion State Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 27362
- RSSD ID
- 1222948
- Primary regulator
- FDIC
- Holding company
- American Cntl Finl Group Inc
- Established
- November 4, 1988
- Headquarters
- 3751 Wabash Ave, Springfield, IL 62711
- Website
- www.psbank.net
- Employees
- 133
Quick answers
Prairie State Bank and Trust: common questions
Is Prairie State Bank and Trust FDIC insured?
Yes. Prairie State Bank and Trust is an FDIC-insured institution (FDIC certificate #27362). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Prairie State Bank and Trust's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Prairie State Bank and Trust ever failed?
There is no failure record for FDIC certificate #27362 in the FDIC failed bank list.
How many branches does Prairie State Bank and Trust have?
19 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Springfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Springfield Firefighters Credit UnionCredit union Springfield, IL | 100 out of 100, Very strong | $3.4M | 16.6% | 0.00% | vs |
| Heartland Credit UnionCredit union Springfield, IL | 89 out of 100, Very strong | $573.7M | 13.7% | 0.25% | vs |
| Midland Community BankBank Kincaid, IL | 88 out of 100, Very strong | $68.8M | 12.1% | 0.00% | vs |
| Springfield City Employees Credit UnionCredit union Springfield, IL | 85 out of 100, Very strong | $12.8M | 17.1% | 0.33% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |