PRAIRIE COMMUNITY BANK

MARENGO, IL | Small | Est. April 2, 1998, midnight | FDIC #34526 | RSSD #2598396 | FDIC
Latest Report: 2025-12-31

PRAIRIE COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in MARENGO, IL, established in April 2, 1998, midnight. As of 2025-12-31, the bank reported total assets of $188M and total deposits of $172M. Profitability stands at 0.67% ROA and 8.55% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 12.62%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.17% and a Texas Ratio of 3.36%. FDIC Certificate #34526.

Assets

$188M

Deposits

$172M

Loans

$127M

Equity

$15M

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 8.55%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.64%
Cost of Funds 1.48%

Asset Quality

NPL Ratio 0.17%
Net Charge-Off Ratio -0.09%
Texas Ratio 3.36%
NPA Ratio 0.31%
ACL / Loans 1.66%

Capital & Liquidity

CET1 Ratio 12.62%
Tier 1 Capital 12.62%
Total Capital Ratio 13.87%
Leverage Ratio 8.55%
Loan-to-Deposit 73.84%

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