PRAIRIE STATE BANK & TRUST

SPRINGFIELD, IL | Medium | Est. Nov. 4, 1988, midnight | FDIC #27362 | RSSD #1222948 | FDIC
Latest Report: 2025-12-31

PRAIRIE STATE BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in SPRINGFIELD, IL, established in Nov. 4, 1988, midnight. As of 2025-12-31, the bank reported total assets of $806M and total deposits of $701M. Profitability stands at 1.53% ROA and 12.44% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 12.06%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.31%. FDIC Certificate #27362.

Assets

$806M

Deposits

$701M

Loans

$564M

Equity

$100M

Profitability

Return on Assets (ROA) 1.53%
Return on Equity (ROE) 12.44%
Net Interest Margin (NIM) 4.23%
Yield on Assets 5.29%
Cost of Funds 1.11%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.08%
Texas Ratio 1.31%
NPA Ratio 0.17%
ACL / Loans 1.03%

Capital & Liquidity

CET1 Ratio 12.06%
Tier 1 Capital 12.06%
Total Capital Ratio 12.66%
Leverage Ratio 12.21%
Loan-to-Deposit 80.34%

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