Headquartered in Paris, Illinois, Prospect Bank is a state-chartered bank with $715.6M in total assets and $603.4M in deposits as of Q2 2026. It operates 13 offices across 2 states. Its charter dates back to 1873.
Based on its Q2 2026 filing, Prospect Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 265th. Its strongest component is problem-loan coverage (90/100; 5.0%), and its lowest is earnings (30/100; 0.26%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 57).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 49 |
| Q4 2024 | 52 |
| Q1 2025 | 57 |
| Q2 2025 | 57 |
| Q3 2025 | 57 |
| Q4 2025 | 55 |
| Q1 2026 | 57 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.70% |
| Q3 2024 | 7.56% |
| Q4 2024 | 7.77% |
| Q1 2025 | 8.03% |
| Q2 2025 | 8.39% |
| Q3 2025 | 8.35% |
| Q4 2025 | 8.40% |
| Q1 2026 | 8.54% |
| Q2 2026 | 8.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.43% |
| Q3 2024 | -0.37% |
| Q4 2024 | -0.19% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $715.6M | 8.50% | 0.45% | 0.26% | 77.9% |
| Q1 2026 | 57 | $701.4M | 8.54% | 0.48% | 0.17% | 75.0% |
| Q4 2025 | 55 | $676.0M | 8.40% | 0.47% | 0.17% | 78.3% |
| Q3 2025 | 57 | $705.5M | 8.35% | 0.25% | 0.15% | 73.3% |
| Q2 2025 | 57 | $689.1M | 8.39% | 0.30% | 0.28% | 79.7% |
| Q1 2025 | 57 | $720.8M | 8.03% | 0.26% | 0.40% | 79.6% |
| Q4 2024 | 52 | $724.9M | 7.77% | 0.24% | -0.19% | 82.8% |
| Q3 2024 | 49 | $755.8M | 7.56% | 0.26% | -0.37% | 84.3% |
| Q2 2024 | 40 | $743.5M | 7.70% | 1.03% | -0.43% | 94.8% |
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 |
|---|---|---|---|---|---|
| Hickory Point Bank and TrustBank Decatur, IL | 77 out of 100, Strong | $717.5M | 11.0% | 0.18% | vs |
| Time BankBank Park Ridge, IL | 70 out of 100, Strong | $712.8M | 11.9% | 1.75% | vs |
| Albank National AssociationBank Chicago, IL | 70 out of 100, Strong | $721.8M | 17.0% | 1.13% | vs |
| The Bradford National Bank of GreenvilleBank Greenville, IL | 58 out of 100, Moderate | $722.8M | 8.9% | 1.92% | vs |
| Longview BankBank Ogden, IL | 62 out of 100, Moderate | $732.1M | 8.4% | 0.80% | vs |
| First Neighbor Bank, National AssociationBank Toledo, IL | 55 out of 100, Moderate | $736.0M | 10.6% | 2.00% | vs |
Deposit insurance
Is my money safe at Prospect Bank?
Yes. Prospect Bank is an FDIC-insured institution (FDIC certificate #3722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($164.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.77% (benchmark: 10%).
13 locations
Branches
Prospect Bank lists 11 offices in 11 cities across 2 states. Most locations:
- Ashmore, IL (1)
- Casey, IL (1)
- Champaign, IL (1)
- Gilman, IL (1)
- Homer, IL (1)
- Kansas, IL (1)
- Marshall, IL (1)
- Paris, IL (1)
- Sidell, IL (1)
- Terre Haute, IN (1)
- Watseka, IL (1)
HMDA 2025
Mortgage lending
In 2025, Prospect Bank reported 73 home-loan applications under HMDA (LEI 549300QWYPPH283K6R36): 58 originated ($12,880,000 total), 13 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.8%, 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
- Prospect Bank
- Former names
- The Edgar County Bank and Trust Co., Paris, Illinois; The Edgar County National Bank; The Edgar County National Bank and Trust Co., Paris, Illinois
- Type
- State-chartered bank
- FDIC certificate #
- 3722
- RSSD ID
- 738143
- Primary regulator
- FDIC
- Holding company
- Edgar County Banc Shares Inc
- Established
- March 23, 1873
- Headquarters
- 177 W Wood St, Paris, IL 61944
- Website
- www.bankprospect.com
- Employees
- 98
Quick answers
Prospect Bank: common questions
Is Prospect Bank FDIC insured?
Yes. Prospect Bank is an FDIC-insured institution (FDIC certificate #3722). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Prospect Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Prospect Bank ever failed?
There is no failure record for FDIC certificate #3722 in the FDIC failed bank list.
How many branches does Prospect Bank have?
13 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Paris
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Paris Hi-Way Credit UnionCredit union Paris, IL | 100 out of 100, Very strong | $11.3M | 15.8% | 0.00% | vs |
| Advantageplus of Indiana Federal Credit UnionCredit union Terre Haute, IN | 87 out of 100, Very strong | $43.9M | 20.8% | 0.64% | vs |
| Indiana State University Federal Credit UnionCredit union Terre Haute, IN | 81 out of 100, Strong | $139.9M | 13.5% | 0.48% | vs |
| Philo Exchange BankBank Philo, IL | 76 out of 100, Strong | $156.6M | 10.2% | 0.02% | vs |
| T H P Federal Credit UnionCredit union Terre Haute, IN | 74 out of 100, Strong | $4.0M | 24.0% | 0.12% | vs |
| First Mid Bank & Trust, National AssociationBank Mattoon, IL | 70 out of 100, Strong | $9.1B | 10.7% | 0.58% | vs |